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Anuradha Sivakumar

@anuradhasivakumar

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Fintech product leader specializing in lending, prepaid cards, and embedded finance with 16+ years' experience.

India

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What I'm looking for

I'm seeking senior product leadership roles in fintech to build lending, payments and embedded finance products, lead cross-functional teams, scale revenue, and apply data-driven credit strategies in a collaborative, high-growth environment.

I am a fintech product leader with over 16 years of experience designing, developing and launching lending, prepaid and embedded finance products. I lead end-to-end product roadmaps and drive revenue through data-led decision making.

I have launched gift, GPR and forex cards, set up wallets, and built merchant lending capabilities including a co-branded credit card for 500K merchants. I also designed and scaled B2B marketplaces and onboarding solutions, and developed income-prediction and 360-degree scoring models to improve sourcing and portfolio performance.

Earlier I managed unsecured lending credit policy, optimized portfolio strategies to reduce attrition and losses, and helped grow product-led businesses from founding stages to multi-fold revenue expansion. I bring a blend of product strategy, analytics and GTM execution to solve complex fintech problems at scale.

Experience

Work history, roles, and key accomplishments

Current

Director, Prepaid Cards

Current

M2P Fintech

Jun 2023 - Present (2 years 2 months)

Launched Gift, GPR and Forex card products for large public and private banks and set up wallets for a food delivery app, supporting M2P's largest domestic revenue line.

Product Management Forex Cards Roadmapping Payments Partner Management Credit Scoring Go To Market

Associate Vice President, Lending

Pine Labs

Feb 2021 - Apr 2023 (2 years 2 months)

Built and launched merchant lending and co-branded credit card products serving 500,000 merchants and led product, process and marketing for loan-as-a-service and integrated B2B marketplace features.

Embedded Finance Co Branded Cards Product Strategy Payments Go To Market Credit Risk Marketplace

Associate Director, Product Strategy

Open.money

Aug 2019 - Jan 2021 (1 year 5 months)

Led lending and wealth product strategy, delivered an USD 80M onboarding project, launched a B2B marketplace for 500,000 SMEs and increased card sourcing by 3,000/month (25% uplift).

Product Strategy Onboarding Lending Marketplace GTM Data Analytics Cross Selling

Credit Policy Manager, Unsecured Lending

Standard Chartered Bank

Sep 2014 - Aug 2019 (4 years 11 months)

Managed credit policy for unsecured small business loans (USD 250M) and credit cards portfolio (USD 330M); developed a customer-selection algorithm identifying 500,000 users and optimized line decreases to reduce attrition by 10%.

Portfolio Management Algorithm Development Stakeholder Management

Product Manager, Corporate Clients

Mettl

Aug 2010 - Mar 2014 (3 years 7 months)

Built and scaled a national contest platform that generated INR 5M (10% of annual revenue) and helped grow client reporting to 3x revenue in one year as part of the core founding team.

Product Management Platform Development Edtech Revenue GTM Requirements Gathering Stakeholder Management

Management Associate

Citibank

May 2008 - Jul 2010 (2 years 2 months)

Managed cash-management products for corporate clients including fund transfers, salary processing and tax payments, and supported information security assessments for transaction services.

Cash Management Payments Treasury Operations Compliance

Education

Degrees, certifications, and relevant coursework

University of Oxford

Master of Science, Financial Economics

2011 - 2012

Completed MSc Financial Economics at the University of Oxford in 2011–2012.

Delhi College of Engineering

Bachelor of Engineering, Electrical Engineering

2002 - 2006

Activities and societies: 64 rank in the Mathematics Olympiad by the Dept. of Atomic Energy, India (2001); National Scholarship Scheme for being among the top 0.1% in India in Science (2000).

Completed Bachelor of Engineering in Electrical Engineering at Delhi College of Engineering from 2002 to 2006.