Experience

JSW One Finance — AGM product (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
Lead cloud telephony and product governance across JOFL and JSW One Platforms, cross-functionally
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

JSW One Platforms — product (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 rather than inherited. 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 that created a self-correcting, competitive cost-control layer instead of fixed pricing
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)