Experience.

Career

1. 

   CashKaro (opens in a new tab)

   Cashback, savings and financial-products marketplaces.

   BankKaro (opens in a new tab)

   March 2025–Present

   1. General Manager, Product Management & Business Growth

      April 2026–Present

   2. Senior Manager, Product Management

      March 2025–March 2026

   • Lead personal and education lending product strategy, lender commercials, operations and P&L. Connect application capture and lender matching with funnel analysis and partner feedback.
   • Work with engineering and lender partners on eligibility, KYC, application-status and payout handoffs, connecting integration requirements with reconciliation and service-level reviews.
   • Authored the EduLoans policy/workflow model and scripted interaction prototypes for student intake, partner review and human document verification: 62 rules, eight lender configurations and 23 workflow states.
   • Explored a separate MCP policy-service proposal for shared evaluation and reviewed feedback. Coordinate cross-functional priorities, participate in hiring and negotiate with partners.

   Selected work

   • Personal lending
   • College.money
   • EduLoans prototype
   • Lender integrations
   • MCP proposal
2. 

   CredFlow (opens in a new tab)

   Finance software, working capital and payments for MSMEs.

   December 2024–March 2025

   Senior Product Manager

   • Worked on the KuberX launch and go-to-market plan, connecting acquisition, onboarding and activation with SME product economics.
   • On Pay via Credit Card, connected the SME customer offer with payment infrastructure and operating handoffs, working with engineering and go-to-market teams.

   Selected work

   • KuberX launch
   • Pay via Credit Card
3. 

   Absolute (opens in a new tab)

   Bioscience, agricultural data, farmer products and commodity commerce.

   Upaj (opens in a new tab)

   October 2021–November 2024

   1. Principal Product Manager

      April–November 2024

   2. Senior Product Manager

      April 2023–March 2024

   3. Product Manager

      October 2021–March 2023

   • Led SilkRoute product work from trader discovery through negotiation, ordering and settlement, working with regional teams on a connected commodity-trading system. The programme reported $100M GMV within nine months; this is transaction value, not platform revenue.
   • Led lender-facing agricultural risk product work and contributed to adapting information exchange for ULI. Explored a separate ONDC credit proposal; lenders retained credit decisions.
   • Reshaped Upaj around farm monitoring, market information, content and timely notifications. Worked with engineering and agronomy on crop-health guidance, monitoring and rainfall-insurance workflows.
   • Coordinated product, engineering, data, agronomy, finance, operations and regional teams, including adaptation for Brazil and Malaysia and institutional-commerce requirements.

   Selected work

   • SilkRoute
   • Trade payments & ERP
   • Risk information & ULI
   • ONDC proposal
   • Upaj farmer experience
   • Farm OS
   • Crop-health AI
   • Rainfall-grid insurance
   • Brazil & Malaysia
   • Institutional commerce
   • Supporting product references
4. 

   UrbanKhet

   Farm-to-customer produce venture for households and business buyers.

   July 2019–September 2021

   Founder & Director

   • Founded the venture and owned the customer offer, web product, farmer relationships, acquisition, fulfilment and business economics.
   • Built the sourcing and decentralised-delivery model, reworked fulfilment during COVID as constraints changed, then wound down the venture after the second wave.

   Selected work

   • UrbanKhet product & operations
   • COVID delivery pivot

   UrbanKhet received incubation, seed support and innovation-grant backing through IIMA Ventures/CIIE.CO and GUSEC, including TIDE 2.0 and Gujarat SSIP.

   Venture support