Ruchir Sinha
@ruchirsinha
Senior Product Manager building lending infrastructure platforms with API-first, commercial and risk impact.
IndiaWhat I'm looking for
I’m a Senior Product Manager who has built and shipped mobile-first LOS capabilities across a ₹2L Cr vehicle finance portfolio, cutting TAT by 96% and scaling to 650K+ applications per quarter. I then moved upstream to define provider-agnostic API architecture at India’s national lending infrastructure (ULI), where regulated, high-stakes product decisions drive outcomes at scale.
I lead with consequence: centralized underwriting tightened NPA by 250 bps, risk-based pricing improved yield by 6%, and an API-first developer platform reduced lender onboarding from weeks to days. I’m now targeting platform or fintech infrastructure roles where product depth and commercial judgment at scale are table stakes.
Experience
Work history, roles, and key accomplishments
Product Manager – Platform
ULI - National Lending Infrastructure, RBI
Dec 2025 - Present (8 months)
Defined ULI’s provider-agnostic, API-first product strategy to replace direct lender-provider integrations, reducing lender onboarding effort from weeks to days and enabling 15 lenders to go live within 3 months. Built reusable API abstractions and established a pricing/commercial framework adopted as a national reference standard for digital lending services.
Senior Product Manager – Lending
Shriram Finance
Jun 2023 - Nov 2025 (2 years 5 months)
Redesigned the vehicle finance LOS/LMS with rule-based workflows and real-time validations, reducing loan approval TAT by ~96% and scaling to 650K+ applications per quarter. Led a transition to centralized underwriting, improving risk consistency and tightening NPA by 250 bps, and delivered funnel- and pricing-driven conversion and yield improvements.
Technical Lead
Convergys
Jan 2017 - Jan 2021 (4 years)
Led a 23-member support team and translated high-volume user issues into structured backlog priorities to build product intuition.
Education
Degrees, certifications, and relevant coursework
Great Lakes Institute of Management
Post Graduate Program in Management (PGPM), Operations & Marketing
2023 -
Post Graduate Program in Management (PGPM) with focus on Operations & Marketing starting in May 2023.
Kalinga University
Bachelor of Technology (B.Tech.), Electronics & Communication
2018 -
Bachelor of Technology (B.Tech.) in Electronics & Communication starting in June 2018.
Availability
Location
IndiaAuthorized to work in
Social media
Job categories
Skills
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