Experience

JSW One Finance — SPM (AI) (November 2024 – present)

Lead the lending origination platform, CRM, and AI charter at JSW One Finance (JOFL), a digital-first NBFC and wholly owned subsidiary of JSW One Platforms built to serve the MSME ecosystem’s credit needs. Second senior hire into the product team, operating as what the team internally calls a full-stack builder — an AI-native product role spanning strategy through to shipped detail.

• Own a group of products: channel finance, vendor finance, and term loan origination (LOS); the lending API suite and LOS–LMS governance; the customer master; and AI initiatives
• Commercial lending here is 100% digital, lead to disbursement, with genuinely industry-first products built around AI at the core
• Business growing fast — 4x AUM growth since FY25

AI-native product leadership:

• Designed and govern a multi-agent AI development harness (built on Claude Code) as the operating model for how the team ships feature work
• Ran 360+ AI-assisted development sessions over 131 days, shipping 560,000+ lines of production code across the live lending-origination platform
• Engineered a governance system — pre-flight checks, bounded task scoping, human checkpoints between build waves, and mandatory security review gates — that took delivery accuracy from an unguided 82% to a sustained 90%+ band
• Sustained a 4.5:1 feature-to-fix commit ratio, meaningfully above the typical AI-assisted outcome where rework erodes most of the productivity gain
• Runs a 2.6:1 plan-to-build discipline (spec and review before shipping), the structural reason the team’s AI output lands without a rewrite
• Delivered roughly 14.7x return on AI tooling spend against API-equivalent compute cost, at roughly $0.84 per 1,000 lines of generated code versus an estimated $2,300–$6,000 per 1,000 lines of fully-loaded human developer time
• Sustains 94%+ context-cache efficiency across 17B+ tokens processed, and tracks sprint-level accuracy, cost, and output for the harness itself the same way the team tracks product KPIs
• Estimated in the top 1–3% of the global AI-developer population by harness governance maturity, not raw usage frequency

JSW One Platforms — SPM (November 2021 – April 2024)

Led product and strategy for the JSW One MSME customer platform (jswonemsme.com), a credit-enabled marketplace for MSMEs to purchase industrial supplies.

• Designed the booking core — the order-creation journey — with deep integrations across Salesforce CRM, ERP, customer notifications, a discounts engine, and the catalogue and pricing system
• Supported the business through its run to a $1B exit rate in FY '23–24
• Shipped the discounts and cashbacks engine, marketing automation, WhatsApp Business integration, and the technical documentation repository
• Supervised a team of 10+ UX/UI designers and frontend/backend engineers delivering B2B systems that had to scale
• Ran company-wide demos, PM training, and onboarding for key hires, and introduced the frameworks the team used to build complex multi-product features

Marsh — product manager (November 2019 – November 2021)

Lead product manager and roadmap owner for BenefitsCircle (voluntary employee benefits) and QoverPro (embedded insurance), owning the platform stack and UI/UX of BenefitsCircle’s customer-facing e-insurance website.

• Product lead on large embedded insurance programs for Ashok Leyland, Cleartrip (EzCancel), Shiprocket (Secure Shipment), Bridgestone (BridgeCare), and Amazon (Amazon DSP)
• Productised three chatbot use-cases across digital insurance affinity and voluntary benefits
• Led client-facing tech propositions for embedded pet insurance, trip protection, renters insurance, EV charging station insurance, cyber insurance, and personal accident cover
• Part of Marsh Asia’s first cohort of 30 Digital Influencers, helping define the region’s digital culture

VIP Industries — assistant brand manager, D2C (May 2018 – November 2019)

Owned brand revitalization, identity, and launch for Footloose, a D2C brand inside VIP’s portfolio of six house brands (Skybags, VIP, Aristocrat, Caprese, Carlton, Alfa).

• Led the full product lifecycle — design, manufacturing, quality, sales, and operations
• Brought the brand to market on Amazon, Flipkart, Myntra, and Grofers
• Launched 100+ SKUs across daypacks, backpacks, duffel bags, footwear, and belts
• Pioneered a dedicated Footloose brand store on Amazon
• Hit $100,000 in primary sales within 60 days of launch, then grew organic sales on Amazon by 25% over three months through SKU and content optimisation

AutoO2 — co-founder, chief product officer (June 2015 – April 2018) — entrepreneurial stint

Co-founded and served as CPO of AutoO2 (Carmenta Solutions) — the founding stint before the corporate roles, built from zero. The vision: a connected digital post-sales vehicle care technology enterprise, running two product lines side by side — a consumer marketplace for vehicle servicing and repair, and an enterprise B2B claims stack sold to motor insurers, brokers, and fleet operators.

• Conceptualised, designed, built, and launched AutoO2 ARAS (our core claims SaaS) and AutoO2 Claims Cloud, which replaced manual surveyor visits with a virtual, self-inspection claims model for motor and own-damage claims
• Extended Claims Cloud into an enterprise suite — a service-management web app and an API — so insurers and brokers could integrate AutoO2 directly into their own claims systems
• Designed a repair-auction system: network workshops bid on minor-damage claim jobs (under ₹20,000), a reverse-auction mechanism where competition set the price, creating a self-correcting cost-control layer
• Recruited and rated the 500+ workshop network itself, giving insurers a vetted panel and fleet operators guaranteed service coverage across Delhi, Ghaziabad, Mumbai, Surat, Ahmedabad, and Vadodara — all within eight months of launch
• Raised $100,000+ in pre-seed capital from angels and CXOs
• Secured exclusive digital claims mandates from two insurance companies for touchless claim servicing
• Won an equity-free grant of ₹10,00,000 from Mumbai Fintech, a Government of Maharashtra initiative, in its second grants cohort

Earlier: research, product ownership, and Six Sigma (2013 – 2015)

• EdTech researcher for Oxford University Press, tracking 1,200+ EdTech startups across India and building the competitive-intelligence framework OUP used for new product planning
• B2B product owner at AdGlobal360, working on the Adv8 advertising and marketing SaaS platform
• Six Sigma intern at ANAND Group
• Research intern at GeometricPLM, working on volumetric optimisation using voxels

Education

• Bachelor of Engineering (Mechanical) and MSc Physics, dual degree, Birla Institute of Technology and Science, Pilani (2009–2014)
• MBA in Marketing, IT & Analytics, Institute of Management Technology, Ghaziabad (2016–2018)