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Bhumica kumar

@bhumicakumar

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I build profitable growth funnels, lifecycle programs, and GTM initiatives across fintech and marketplaces.

India

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What I'm looking for

I'm looking to lead growth, lifecycle, and GTM programs where I can improve acquisition efficiency, activation, retention, and unit economics through experimentation and cross-functional execution.

At Stashfin, I increased lending conversion by 18% and influenced ₹20–25Cr in incremental disbursals through high-intent segmentation, personalised activation, and cross-sell journeys. I also reactivated dormant users and launched product-growth initiatives across Lending, Digital Gold, Insurance, and Credit Builder.

Across CARS24 and GoMechanic, I rebuilt acquisition funnels to reduce CAC, improve lead quality, and turn unit economics profitable. I combine experimentation, lifecycle CRM, analytics, and cross-functional execution to improve activation, retention, conversion, and operational outcomes.

Experience

Work history, roles, and key accomplishments

Marketing Manager

Stashfin

Feb 2026 - Sep 2026 (7 months)

Increased lending conversion by 18% and influenced ₹20–25Cr in incremental disbursals through personalized activation and cross-sell journeys. Reactivated 12% of dormant users and improved repeat transactions by 8% via behavioral segmentation and retention experiments.

Segmentation Activation Cross Selling Retention Lifecycle Marketing GTM Product Growth Funnel Optimization

Deputy Manager – Growth & Performance Marketing

CARS24

Oct 2024 - Feb 2026 (1 year 4 months)

Reduced CAC by 35% while maintaining inspection volumes by optimizing UAC, Google Search, and Performance Max campaigns. Reduced cost per inspection from ₹1,000 to ₹550 and improved CM2 from –₹2,000 to +₹4,000 per car.

UAC Google Search Performance Max Paid Marketing CAC Optimization Funnel Optimization Lead Quality

Assistant Manager – Growth

CARS24

Jan 2023 - Sep 2024 (1 year 8 months)

Developed and scaled a customer acquisition/re-churn channel, increasing inspections from ~1,500 to ~12,300 while reducing acquisition cost per user. Drove a ~₹10.8K improvement in EBITDA per car through stronger lead quality and funnel optimization.

Acquisition Churn Funnel Optimization Propensity Modeling Data Science marketing efficiency Customer Selection

Assistant Manager – Growth & Ops

GoMechanic

Jun 2021 - Jan 2023 (1 year 7 months)

Led a team of 4 to deliver 43.9% business growth across regions through funnel improvements and operational fixes. Increased Mobil sales by 99.6% and Spares sales by 49.7% through strategic planning and category interventions.