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Akshay Raghuwanshi

@akshayraghuwanshi

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I build lending products that grow conversion, repayment, and portfolio quality.

India

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What I'm looking for

I'm looking to build high-impact B2B products where I can own growth, product strategy, underwriting, customer funnels, risk guardrails, and cross-functional execution from zero to scale.

I've built and scaled lending products across Signzy, Dvara Money, and Capzest, spanning acquisition, underwriting, activation, repayment, retention, and risk. My work has supported 100K+ borrowers, $5M in disbursals, and underwriting funnels for 15 banks and NBFCs.

At Signzy, I lead the Underwriting Data Platform, scaling it from zero to 5M+ monthly API calls and 27% of flagship ARR. I’ve improved Account Aggregator data fill to about 75%, scaled AA Switch to 1M+ calls per month, and reduced GST data-fetch P95 latency from 90 seconds to 20 seconds.

At Dvara Money, I led lending from launch through v2.4 as the lone PM, working across product, risk, collections, data, and operations. I grew the platform to 100K+ borrowers, reduced 90+ DPD from 7.1% to 3.2%, expanded the credit line from INR 1 Cr to INR 30 Cr, and built repeat-loan flows that reached 40% of the portfolio.

As Capzest co-founder and Product Head, I built a salary-linked credit platform to 22.5K borrowers across six cities. I found product-market fit through employer integrations, created an INR 0 CAC channel, and used weekly repayment cohorts to reduce defaults from 37% to 5.6%.

Experience

Work history, roles, and key accomplishments

Current

Senior Product Manager

Current

Signzy

Sep 2023 - Present (3 years 1 month)

Owned underwriting data platform strategy, scaling products to 5M+ monthly API calls and 27% of flagship ARR. Led AA Switch 0-to-1, improved data-fetch/fill rates, and drove GST real-time lending enablement.

Built shared engines for Multi-Bureau workflows, differentiated and scaled Account Aggregator for large and small lenders, and advanced GST analytics beyond the MVP with configurable journeys

Product Strategy Underwriting GST API Products A B Testing Kafka AWS SQL Stakeholder Management

Senior Manager

Invest India

Nov 2022 - Sep 2023 (10 months)

Analyzed 20k+ earnings calls; executed FDI outreach to 160 global CEOs via Minister of Commerce, 30 ambassadors, and 24 ministries
• Led India 100 programme — strategic investment targeting exercise; identified 160+ companies across 11 sourcing strategies (FDI
signals, China+1, policy outreach, high-level meets); coordinated cross-ministry profiling and ministerial outreach.

Founding Product Manager

Dvara Money

Sep 2018 - Jul 2022 (3 years 10 months)

Built and scaled B2B2C consumer lending app from launch to v2.4, 100K+ borrowers/downloads
• Redesigned KYC and onboarding; increased new-user acquisition +37% QoQ
• Standardised onboarding across API; reduced company go-live from 1 month to 3 days; drove 60% of new revenue
• Post loan MAU fell to ~5% and uninstalls 30%; brought ~65% users back weekly and captured intent from 85%+ users

Co-Founder - Product Manager

Capzest

Mar 2016 - Sep 2018 (2 years 6 months)

B2B2C salary-linked credit platform; $5M disbursed, 22.5K borrowers, 6 cities, $510K equity raised. Conducted 2,000+ borrower interviews
• Acquisition channel experiments: Evaluated CAC, conversion; built INR 0 CAC channel, scaled to national rollouts in 3 months; owned 90%+ traffic, and 45% loan disbursals
• Increased online recollections to 98.5%, reduced defaults from 37% to 5.6%

Education

Degrees, certifications, and relevant coursework

Indian Institute of Technology Kharagpur

Integrated Dual Degree, Economics

Activities and societies: Order of Merit - Technology (8 students in batch); Top 30/743 global teams - Ideas for Action 2017, World Bank Group & Wharton; Top 20 Finalist - Wharton India Economic Forum 2018 (1,000+ startups).

Integrated Dual Degree in Economics from IIT Kharagpur, graduating in 2015. Awarded Order of Merit in Technology among a batch of eight students.