Open to opportunities

Ayan Saha

@ayansaha

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Senior product manager building 0→1 fintech products and scaling revenue with AI-led execution.

India

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What I'm looking for

I’m looking for a fintech/lending product role where I can own 0→1 to scale revenue, use AI/ML to prioritize, and lead cross-functional execution with measurable impact and founder-aligned ownership.

I’m a seasoned product manager with 5+ years across fintech, lending, payments, and consumer technology, specializing in 0→1 product builds and revenue-scale initiatives. I focus on AI/ML-driven prioritization, agile execution, and measurable business outcomes.

I’ve led end-to-end product lifecycles, from user research and wireframing to MVP launch and early growth strategy. In my latest startup work, I delivered a PWA ticketing experience within 90 days with 98% on-time milestone adherence and integrated an AI-powered recommendation engine projected to uplift ticket upsell by 25%.

At GradRight, I owned FundRight’s product strategy and execution, launched PartnerRight to contribute 23% to bottom-line revenue, and drove a 127% increase in loan conversion while reducing document-collection turnaround time by 70% in one year. I also designed ML-driven lead prioritization that improved sales performance by 18%, 31%, and 34% across consecutive months.

Previously at Cashfree Payments and Xiaomi, I built and scaled lending and BNPL experiences through integrated APIs and payment gateway solutions, reducing loan turnaround time to under three days. I’ve also driven partnership growth and operations improvements—CRM migration from Freshsales to Salesforce (1.5× efficiency) and partnership models that secured PhonePe and BankBazaar alliances, contributing ₹1.7 Cr and ₹45 L in three months.

Experience

Work history, roles, and key accomplishments

Current

Product Consultant

Current

Startups

Jan 2025 - Present (1 year 4 months)

Led two 0→1 startup initiatives, owning end-to-end product lifecycle and launching a PWA ticketing MVP in 90 days with 98% on-time milestones. Integrated an AI recommendation engine to support ticket upsell with 25% projected uplift from early cohorts.

Product Strategy User Research Wireframing PWA Roadmapping Cross Functional Collaboration Agile Delivery

Senior Product Manager

GradRight

Jul 2023 - Sep 2024 (1 year 2 months)

Owned end-to-end product strategy for FundRight and launched PartnerRight, contributing 23% to company bottom-line revenue via partner integrations and go-to-market execution. Improved loan conversion by 127%, reduced document-collection turnaround time by 70%, and used ML lead prioritization to boost sales performance 18–34%.

Agile Product Delivery Fintech Lending Marketplaces

Product Manager II - Lending

Cashfree Payments

Jun 2022 - Jun 2023 (1 year)

Built and scaled invoice-financing and lending products by partnering with lenders and integrating payment gateways for seamless loan request and management. Reduced loan turnaround to under three days using automated document verification, e-signing, and auto-debit, and created collections-support automation supporting ~₹2 Cr monthly collections across four lending partners.

BNPL Product Management Payment Gateways API Design Lending Operations

Product Manager

Xiaomi

Apr 2019 - Jun 2022 (3 years 2 months)

Managed the complete lending user journey across KYC, bank statements, approvals, NACH, agreements, and disbursements for lender portfolios. Increased funnel conversion from 1.82% to 4.31%, scaled Money View revenue from ₹6 L to ₹1.2 Cr (Apr 2020–Dec 2021), and grew EarlySalary monthly revenue from ₹12 L to ~₹50 L.

KYC NACH E NACH Processing Funnel Optimization

Product Manager Intern

Samsung R&D

Apr 2018 - May 2018 (1 month)

Built sales-drop dashboards segmented by geography and retailer to support smartphone sales teams with actionable insights. Onboarded IDFC First Bank as a payment service provider and supported closure of the NPCI SAR audit for Mi Pay.

Sales Analytics Product Insights Payments Integration

Education

Degrees, certifications, and relevant coursework

Xavier School of Management (XLRI)

Master’s Degree in Business Management, Business Management

2017 - 2019

Grade: GPA 4.93/8

Earned a Master’s Degree in Business Management at Xavier School of Management (XLRI) from 2017 to 2019.

Institute of Engineering and Management (IEM)

Bachelor's Degree in Information Technology, Information Technology

2012 - 2016

Grade: GPA 8.66/10

Earned a Bachelor’s Degree in Information Technology at the Institute of Engineering and Management (IEM) from 2012 to 2016 (under MAKAUT, formerly WBUT).