PUPRAJYOT User
@prajyot28
Product manager focused on fintech 0→1 launches, growth, and retention.
IndiaWhat I'm looking for
I am a fintech product leader with 6+ years building and scaling digital products across credit cards, UPI, BNPL, and consumer lending. I specialize in 0→1 launches, GTM strategy, API integrations, customer lifecycle management, and data-driven growth.
At Credilio and Kotak Mahindra Bank I led end-to-end launches including a co-branded secured credit card (250K+ applications, 20K+ cards in-force year one), UPI-enabled RuPay card, D2C credit card platform driving 500K+ applications/month, and Kotak's Smart EMI Card. I improved funnel metrics, optimized onboarding, and implemented predictive rule engines and marketing automations that significantly increased activation, retention, and conversion.
I am currently upskilling in AI/LLMs—prompt engineering, OpenAI API integration, and conversational AI design—to apply LLM-driven automation and personalization to product and growth initiatives. I bring a pragmatic, metrics-first approach and end-to-end ownership from strategy to P&L.
Experience
Work history, roles, and key accomplishments
Product Head - Consumer
Credilio Financial Technologies Private Limited
Sep 2023 - Present (2 years 1 month)
Spearheaded end-to-end launch of a co-branded secured credit card (250K+ applications, 20K+ cards in force first year) and UPI-enabled RuPay card; owned P&L, product strategy, CX, risk, and automation to scale acquisition and retention.
Product Head - Cards
Credilio Financial Technologies Private Limited
Aug 2022 - Aug 2023 (1 year)
Led launch of a web D2C credit card platform (500K+ applications/month) and built a bureau-integrated predictive rule engine that improved approval rates up to 80%, while driving 3x digital acquisition through API-led flows.
Product Manager
Kotak Mahindra Bank Limited
May 2019 - May 2021 (2 years)
Scaled the Debit Card EMI program across 50,000+ merchants (5x transaction volume) and launched Post-Transaction EMI enabling customers to convert debit transactions to EMIs with automated credit processing.
Senior Product Manager
Kotak Mahindra Bank Limited
Launched Kotak's Smart EMI Card (10K+ cards in force) and designed NTB digital onboarding that doubled acquisition; optimized backend integrations to reduce end-to-end TAT by 80% and developed a BNPL model for small-ticket lending.
Education
Degrees, certifications, and relevant coursework
JSJamnalal Bajaj Institute of Management Studies
Master of Management Studies, Management
Completed a Master of Management Studies focused on management principles and product strategy.
Prof. Ram Meghe Institute of Technology and Research
Bachelor of Engineering, Computer Science and Engineering
Graduated with a Bachelor of Engineering in Computer Science and Engineering, covering core CS subjects and engineering fundamentals.
Availability
Location
IndiaAuthorized to work in
Social media
Job categories
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