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Open to work · Mumbai, India

Fintech PM who
ships at scale.

I design and build lending products — D2C loan journeys, supply chain finance platforms, embedded finance APIs, and GenAI workflows — that have moved ₹2000Cr+ across PSU banks and NBFCs.

Loan Origination Supply Chain Finance Embedded Finance GenAI Products Fraud & Risk
₹2000Cr+
Loan Volume Processed
5+ yrs
Fintech PM Experience
11+
Fintech Partners Integrated
98%
AI Cost Reduction

Featured Work & Concepts

Strategic product initiatives that transformed digital banking experiences and drove measurable business outcomes

PSB Xchange · Veefin 0 → 1 Build

PSB Xchange — Transaction API Suite

Multi-lender SCF Marketplace · BOB · CBI · Indian Bank · PSU Network

Built two deeply interconnected systems on a single platform: a multi-lender transaction API backbone unifying BOB, CBI and Indian Bank into one interface for sourcing partners — and a 200+ touchpoint email compliance engine ensuring every persona (Admin, Anchor, Corporate, SP, Lender) gets the right acknowledgement at every step of the LOS journey.

API Suite
Program & Dealer Limits
Initiate Transaction
Txn Status — sync & async
SOA (Statement of Account)
DSA API Key Auth Model
Comms Engine
200+ LOS touchpoints mapped
5 personas — Admin, Anchor, Corporate, SP, Lender
Compliance acknowledgements
Event-triggered notifications
Role-based templates

Multi-Lender Integration Layer

Bank of Baroda
BOB · PSU Lender
Central Bank
CBI · PSU Lender
Indian Bank
PSU Lender
unified API layer
PSB Xchange · One API for all SPs
real-time disbursement callbacks
Invoyz Ayvsh Techpanion Supermoney +7 more

Invoice Fraud Prevention

Dedupe Logic Date Validations Disbursement A/C Checks Finance Request ID Uniqueness Duplicate Finance Prevention
5
Core APIs Built
200+
Email Touchpoints
₹5KCr+
Projected Qtr Vol.
Transaction APIs Multi-lender Email Engine Async Callbacks Invoice Fraud
SCF · PSB Xchange 11+ Partners Live

SCF Fintech Partner Network

Veefin Solutions · PSB Xchange · B2B Embedded Finance

Built the entire fintech partner integration layer for PSB Xchange — connecting 11+ sourcing partners as corporate lead pipelines into PSU bank lending programs. Each partner plugs into PSB Xchange's API suite to originate, track and disburse supply chain finance for anchors like JSW Steel, Shree Cement, Bata, boAt and Zepto. From Postman collections to production go-live — owned the entire lifecycle.

Partner Ecosystem

PSB Xchange
Aggregator Platform

Sourcing Partners (SPs)

Invoyz Ayvsh Techpanion Supermoney Auxelirx +6 more

Corporate Anchors

JSW Steel Shree Cement Bata boAt Zepto

Partner Onboarding Lifecycle

Technical
Discovery
Sandbox
Integration
UAT &
Validation
Production
Go-Live

What I Owned

Real-time API sync — both onboarding events and live transaction updates pushed to every SP platform the moment they fire on PSB Xchange
Integration playbook — standardised Postman collections, UI mockups, platform guides, API validation docs and Postman Documenter for every partner
Anchor-mapped programs — dealer and vendor lending programs tied to corporate anchors across LOS and transaction suites
11+
SPs Onboarded
₹5KCr+
Projected Qtr Vol.
5
Fortune Anchors
PSB Xchange API Integration SCF B2B Embedded Finance Real-time APIs
Embedded Finance · Piramal 0 → 1 Build

Embedded Personal Loan Platform

Piramal Finance · Tata AIG & HDFC Ergo as DSA Partners · <₹3L ticket

Built a 0→1 web-based personal loan journey entirely on Piramal's own platform — positioning Piramal as both the technology provider and loan orchestrator. Tata AIG and HDFC Ergo plugged in purely as DSA channels, sourcing customers into Piramal's lending stack without owning any of the journey. The result: a compliant, RBI DPDP-ready embedded finance engine disbursing ₹5Cr+ monthly.

Platform Architecture

Tata AIG
DSA · Lead Source
HDFC Ergo
DSA · Lead Source
API handoff
🏦 Piramal Finance Platform
Loan Orchestrator · Tech Provider · Lender

Underwriting Pipeline

Aadhaar-PAN
Seeding
CIBIL
Pull
Employment
Validation
Geo-
tagging
ELMS &
Hunter
Bank
Statements
IPO
Offer
eKYC +
Liveness
Sanction
Letter
Drawdown

What Made It Different

Piramal as the stack — insurance partners acted purely as DSAs; entire loan journey, data, compliance and disbursement stayed on Piramal's platform
Full fraud perimeter — Liveness detection, geo-tagging, Hunter dedup, PEP screening and ELMS layered before BRE to eliminate identity fraud at the top of funnel
RBI DPDP compliant — PII data protection and RBI Digital Lending Guidelines baked into the architecture from day one, not retrofitted
₹5Cr+
Monthly Disbursals
2
DSA Partners Live
8+
API Integrations
BRE Underwriting eKYC Hunter / PEP RBI DPDP Liveness
D2C · ABFL Live Product

Instant Personal Loan Journey

Aditya Birla Finance Limited · ₹3L ticket · 35,000+ users

Built a fully digital, end-to-end D2C personal loan journey for India — where a borrower goes from intent to disbursement in minutes, not days. Eliminated paper-based bank statement uploads, replaced manual CIBIL checks with a real-time internal scoring engine, and layered anti-fraud signals seamlessly into the UX — without adding friction.

Loan Pipeline

Apply
CIBIL
Pull
Employment
Check
Account
Aggregator
IPO
Offer
Fraud
Checks
KYC
Pull
Sanction
Offer
Disburse

What Made It Different

Anumati Account Aggregator — replaced manual bank statement uploads with automated AA pull, boosting income verification accuracy
Liveness Detection + Geo-tagging — real-time anti-fraud layer embedded invisibly into the mobile KYC flow
Internal Scoring Engine — fused CIBIL bureau score, employment verification, and bank statement analysis into a single real-time credit decision
Cross-sell at disbursement — surfaced general insurance offer contextually, generating ₹3Cr+ monthly from insurance alone
23%
Funnel Drop ↓
35k+
Loan Leads
₹3Cr+
Monthly X-sell
Account Aggregator Liveness API Scoring Engine Geo-tagging
Aadesh Pise, BFSI Product Manager

Aadesh Pise

Product Manager · BFSI

EPGCGM — IIM Visakhapatnam Alumni

Mumbai, India
Veefin Solutions Ltd.
IIM Visakhapatnam

About Me

I'm a Fintech Product Manager with 5+ years building B2B & B2C lending platforms — owning digital loan journeys, transaction APIs, and AI-driven workflows across NBFCs and banks. My products have impacted ₹2000Cr+ business, served 35,000+ users, and powered real-time disbursement systems at scale.

From architecting the invoice & transaction API suite for PSB Xchange to shipping a GenAI chatbot that cut AI infrastructure costs by 98% — I combine deep financial domain knowledge with hands-on technical execution. EPGCGM alumnus, IIM Visakhapatnam.

Professional Timeline

Product Manager — Supply Chain Finance

July 2024 – Present

Veefin Solutions Limited

  • Led 0→1 launch of Invoicing & Transaction API suite for PSB Xchange — projected ₹5000Cr+ quarterly volume
  • Architected 5 core APIs (Program Limits, Dealer Limits, Initiate Transaction, Status, SOA)
  • Onboarded 9+ fintech sourcing partners (Invoyz, Supermoney, Techpanion, Ayvsh) as lead generators

Product Owner / Manager

Jan 2024 – July 2024

Aditya Birla Finance Limited

  • Product Owner for Instant Personal Loan Digital Journey — 35,000+ leads
  • Implemented cross-sell functionality (general insurance + personal loan) → ₹3Cr+ monthly business
  • Revamped bank statement analysis with Account Aggregator — reduced funnel drop by 23%

Product Manager — AI & Embedded Finance

Nov 2021 – Jan 2024

Piramal Finance Limited

  • Built GenAI Sales Chatbot with Azure OpenAI — cut AI infrastructure cost from ₹10L to ₹20K/month (98% reduction)
  • Launched 0→1 embedded finance personal loan journey for Tata AIG & HDFC Ergo — ₹5Cr+ monthly disbursements
  • Contributed to ₹2000Cr+ Q4 business achievement through AI-driven performance insights

Data Engineer — Specialist

Dec 2020 – Oct 2021

Michelin Pvt Limited

  • Managed ETL pipeline for Customer 360 (Asia Pacific) using Qualtrics API → Azure Data Lake → PySpark
  • Designed GDPR-compliant data pipeline; dealer incentive model improved service standards by 12%

EPGCGM — Executive Program

2024 – 2025

IIM Visakhapatnam

B.E. — Vishwakarma Institute of Technology (2016–2020)  ·  Statistics Cert. — Georgia Tech (2020–2021)

What I bring to the table

Core Expertise

Built from real projects — not textbooks.

Digital Lending & LOS

Owned full-stack loan origination journeys from mobile apply to disbursement — D2C and embedded — across NBFCs and banks.

eKYC · Liveness BRE Underwriting CIBIL · Bureau Account Aggregator

Supply Chain Finance

Built the transactional backbone of PSB Xchange — multi-lender API suite connecting PSU banks, corporate anchors (JSW, Bata, Zepto) and 11+ fintech SPs.

Transaction APIs Program Limits Invoice Dedupe Async Callbacks

Embedded Finance

Positioned Piramal as orchestrator + lender for Tata AIG & HDFC Ergo DSA programs. Built partner API handoff, RBI DPDP-compliant journeys, and cross-sell at disbursement.

DSA API Integration RBI DPDP Cross-sell Engine

GenAI & AI Products

0→1 GenAI sales chatbot at Piramal — Azure OpenAI, few-shot prompting, Cricket Runs gamification model. Cut AI infra cost 98% by replacing SageMaker with an in-house wrapper API.

Azure OpenAI Prompt Engineering LLM Orchestration AI Agents

Fraud Prevention & Risk

Designed layered fraud perimeters across real products — liveness detection, geo-tagging, Hunter dedup, PEP screening, ELMS checks, and invoice-level validation controls.

Hunter · PEP Geo-tagging Liveness Detection ELMS

API Architecture & Integrations

Defined API schemas, onboarding playbooks, Postman collections and partner validation processes for 11+ fintech SPs across LOS and transaction suites on PSB Xchange.

REST · gRPC · OAuth Postman Documenter Data Mapping UAT · Sandbox

Technical Stack & Tools

Modern tools and technologies I work with to build world-class financial products

Product Management

Jira
Notion / Confluence
Miro / Figma
Postman

Development

REST APIs / gRPC / OAuth
SQL / MongoDB
AWS (EC2, S3, Load Balancer)
Azure OpenAI / Azure Data Lake

Analytics

Power BI
Python
PySpark
SQL (Intermediate)

AI & BFSI

Prompt Engineering (Few-shot, Multi-turn)
LLM / AI Agents & Chatbots
eKYC / AML / BRE Systems
LMS / LOS Platforms
By The Numbers

Real Impact. Real Scale.

Five years of shipping fintech products — here's what moved the needle.

Total Loan Volume Processed

₹2000Cr+

Across SCF, Personal Loans, Embedded Finance — spanning PSU banks, NBFCs and insurance-led DSA channels

₹5000Cr+
Projected Quarterly SCF Volume
PSB Xchange · Multi-lender pipeline
98%
AI Infrastructure Cost Cut
₹10L → ₹20K/month · Azure OpenAI
23%
Funnel Drop Reduced
Account Aggregator · ABFL journey
₹5Cr+
Monthly Disbursements
Piramal · Embedded Finance run rate
35,000+
Loan Applications Processed
ABFL Instant Personal Loan
11+
Fintech Partners Integrated
PSB Xchange SP network
200+
Compliance Touchpoints
LOS email engine · 5 personas
Open to opportunities

Let's build something great together

Whether you need a strategy session on your BFSI product, or you're looking for a product manager who ships — I'm one click away.

100% Business Growth Guarantee
Mumbai, India · Available remotely
IIM Visakhapatnam Alumni