Komal User

I’m a results-driven Technical Product Analyst with 2+ years in fintech lending, combining my computer science engineering foundation with hands-on product delivery. I focus on bridging business needs with technical execution—from SQL-level data analysis to Figma prototyping and sprint management.

In my current role at Nucleus Software Exports Ltd. (FinnOne Neo), I conceptualised and drove the integration of an AI/ML-powered credit decisioning engine into the loan origination system. This automation of risk scoring using bureau data, repayment history, and behavioural signals reduced manual underwriting time by ~40% and improved credit approval accuracy for institutional lending partners.

I also lead end-to-end co-lending workflow ownership, including partner onboarding, data flow architecture, and RBI compliance—enabling 3+ institutional partnerships and reducing onboarding TAT from weeks to days. As the revenue-critical owner for the Customer Acquisition System (CAS), I surfaced actionable insights that shaped 2 major roadmap decisions.

From funnel optimisation to platform stability, I drive measurable outcomes. I identified 4 critical drop-off points and worked with UX in Figma to reduce processing delays by ~30%, resolved 300+ bugs to improve platform reliability, and coordinated 5+ internal/third-party API integrations while directing agile delivery in JIRA. Earlier, as a Trainee Product Analyst, I executed 400+ regression test scenarios and used SQL/PLSQL with Spring and Hibernate to support backend understanding—helping achieve a zero-critical-bug release record.