Navin Kumar Kardam

I’m a product leader with 11+ years of experience, combining 8+ years in Product Management with 3 years in Growth & Conversion in banking. I specialize in building and scaling user-centric digital products across fintech and e-commerce, with a strong emphasis on product strategy, platform transformation, and AI-led innovation. I enjoy solving complex customer journeys by turning data signals into clear roadmaps and measurable outcomes.

At Angel One Ltd., I progressed from Product Manager to Senior Product Manager and now Group Product Manager, leading bold, high-impact initiatives across B2B2C segments. I increased average orders per user by 37.5% through value-added services, generated ₹20M revenue within 3 months by onboarding 40,000 premium subscribers, and validated monetization strategy. I also grew daily API-led orders by 9% by expanding the tradable stock universe while ensuring compliance.

I take ownership of end-to-end product lifecycle—ideation to scale—covering product strategy, UX design, monetization & revenue growth, and cross-functional execution. I’ve driven platform transformation by rebuilding and modernizing legacy systems into scalable, high-performance products, improving stability, user experience, and long-term maintainability. Earlier, I optimized core order journeys to scale volumes by 9.7x, reduced rejection rates by 25%, improved order exit time by 80%, and grew NPS from +7 to +22 (3x) within a quarter.

I’m equally comfortable leading GTM strategy, experimentation, and analytics to accelerate adoption and conversion. I mentor and enable teams to operate with independent ownership, and I’ve built scalable frameworks that support rapid expansion—whether it’s multi-platform delivery (Android, iOS, Web) or large cross-functional execution (55+ member teams). I continue to explore AI through personal product development using no-code/low-code and generative AI to create real-world workflow solutions.