Open to opportunities

Kushagr Khera

@kushagrkhera

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Vision-driven product management leader with a track record in fintech.

India

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What I'm looking for

In my next role, I aim to lead product innovation and scaling efforts within a product first company, leveraging my expertise in global product strategy, data-driven decisions, and cross-functional leadership to deliver impactful solutions and drive sustainable growth.

As a product management leader, I have a proven track record of driving product-based growth and revenue generation in the fintech and e-commerce sectors. My experience spans multiple countries, where I have successfully developed high-impact product strategies and launched B2C and B2B products that align with market needs. I am adept at building and leading high-performing teams, establishing strategic partnerships, and fostering innovation.

Throughout my career, I have achieved significant milestones, such as pivoting an Indonesian B2B platform into a successful online marketplace, launching a new insurance product vertical that contributed 10% to overall revenue, and implementing AI/ML-based pricing models that resulted in a $2.5M EBITDA increase annually. My commitment to excellence and my ability to navigate complex regulatory environments have consistently led to successful product launches and sustainable growth.

Experience

Work history, roles, and key accomplishments

Chief Product Officer

NOWNOW DIGITAL BANK

May 2023 - Aug 2024 (1 year 3 months)

Led product management for a payments bank, focusing on merchant payment solutions. Improved transaction success rates and built a merchant invoicing product, enhancing retention by 25%. Reallocated tech teams to scale the payments business, resulting in 10M monthly transactions.

Product Management Strategic Partnerships Data Analytics Payment Solutions Team Leadership Product Strategy Risk Management Customer Experience

Director, Financial Services

BUKUWARUNG

Feb 2021 - Mar 2023 (2 years 1 month)

Oversaw the creation of a lending product lifecycle and scaled the lending team significantly. Transitioned the payment structure to a tier-based system, achieving 5M monthly transactions and saving $3M annually.

Product Development Team Building Financial Services Lending Payment Systems Business Strategy Market Analysis Compliance Management Customer Retention

Director, Growth Product

ZESTMONEY

Sep 2019 - Feb 2021 (1 year 5 months)

Designed and launched innovative financial products, including India's first digital loan restructuring product. Enhanced customer acquisition through UX improvements, significantly reducing costs.

Product Design Customer Acquisition UX Financial Products Risk Management Data Analysis Cross Selling

Director, Product

VIVACREDIT / MOVINERO

Feb 2016 - Sep 2019 (3 years 7 months)

Managed a product team to navigate EU regulations and launch a personal loan product, contributing significantly to revenue growth. Focused on data-driven product strategies.

Product Management Revenue Team Leadership Data Science Consumer Lending Market Research Compliance Strategic Planning

Co-Founder

MOVINERO

May 2018 - Sep 2019 (1 year 4 months)

Established a B2C fintech company post-spin-off from Viva Credit, managing compliance and banking relationships. Successfully pitched for investor funding to launch a new line of credit business.

Business Business Development Compliance Investor Relations Financial Services Strategic Planning Team Management Regulatory Affairs

Senior Manager, Corporate Strategy

SHARDUL AMARCHAND & MANGALDAS

Jan 2013 - Feb 2016 (3 years 1 month)

Implemented strategic planning best practices, leading to a significant increase in EBITDA. Developed new organizational structures and incentive systems for partners.

Corporate Strategy Business Development Strategic Planning Organizational Development Financial Analysis Leadership Change Management Stakeholder Engagement

Head, Strategy & Business Development

FRANKFURT BOOK FAIR

Sep 2011 - Jan 2013 (1 year 4 months)

Co-developed a management course for publishing industry leaders, exceeding enrollment goals. Focused on strategic partnerships and business development.

Business Development Strategic Partnerships Project Management Market Analysis Stakeholder Engagement Leadership Communication Networking

Product Manager, UK Division

ENOVA FINANCIAL

May 2008 - Jul 2011 (3 years 2 months)

Led product integration with credit bureaus and developed credit models using machine learning techniques, contributing significantly to EBITDA.

Product Management Machine Learning Financial Services Data Integration Credit Risk Business Strategy Team Collaboration Market Research Compliance

Education

Degrees, certifications, and relevant coursework

Emory University, Goizueta Business School

MBA, Strategy and Decision Sciences

2006 - 2008

Pursued an MBA with a focus on Strategy and Decision Sciences, receiving a merit-based scholarship. Developed skills in strategic planning and decision-making applicable to various business contexts.

University of Delhi

Bachelor of Commerce, Commerce

2003 - 2006

Completed a Bachelor of Commerce, focusing on financial management and business principles. Gained foundational knowledge essential for a career in finance and product management.