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Sankar Rao Amburkar

@sankarraoamburkar

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I build AI-powered fintech and procurement products that scale outcomes.

India

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What I'm looking for

I'm looking to lead product strategy and execution for AI-first, fintech, procurement, or enterprise platforms where I can build scalable products, develop strong teams, and deliver measurable business outcomes.

At SpendFlo, I'm building a multi-agent AI harness for procurement workflows, with tool calls, enterprise integrations, RBAC, audit logging, configurable guardrails, and multi-channel invocation. I've also developed specialized agents for intake, document extraction, contract redlining, vendor deduplication, pricing benchmarks, and negotiation playbooks.

Previously at PayU Finance, I owned an API-driven pre-disbursal platform that enabled partners including PhonePe, MoneyView, Meesho, and Bajaj to embed personal lending. I launched MoneyView in six weeks, scaled to ₹150 Cr+ in monthly disbursals, centralized KYC, and supported RBI compliance.

I've led product growth and teams at Airbase, Instamojo, Ola, CommonFloor, FICO, Oracle, and FingerTip Technologies. My work has reduced customer time to value by 90%, helped Airbase reach $15 million in ARR, and launched lending, payments, fleet, marketplace, CRM, and mobile-platform products.

Experience

Work history, roles, and key accomplishments

Current

Fractional CPO

Current

SpendFlo

Mar 2026 - Present (6 months)

Architected and built a multi-agent AI harness for procurement workflows, including a guardrails framework and specialized AI agents for intake, document extraction, contract redlining, and more. Built evaluation pipelines using Langfuse to monitor output quality.

AI Multi Agent Systems Procurement RBAC Audit Logging Content Moderation Langfuse MCP Slack Email Integration Event Driven Architecture Testing Deployment

Director of Product Management

PayU Finance

Jan 2025 - Feb 2026 (1 year 1 month)

Owned the API-driven pre-disbursal platform enabling partners to embed personal lending. Drove rapid partner onboarding, scaled to ₹150 Cr+ monthly disbursals, and ensured RBI compliance.

APIs Product Management Partner Onboarding KYC RBI Compliance Lending

Founder and Head of Product

Startup - Stealth Mode

Aug 2023 - Dec 2024 (1 year 4 months)

Founded an AI-first accounts payable platform enabling finance leaders to automate workflows using plain English.

AI Accounts Payable Product Management Workflow Automation

Director - Product Management

Airbase Labs

Dec 2019 - Jul 2023 (3 years 7 months)

Built product vision and strategy for SMB and early enterprise growth, reducing time to value by 90% and reaching $15M ARR. Led a team of product managers and data analysts.

Product Management Strategy Onboarding Integration HRIS Identity Management Localization SOX GDPR Data Management Team Leadership

Associate Vice President - Product Management

Instamojo

Jun 2018 - Nov 2019 (1 year 5 months)

Led product development for mojoPayments, mojoCapital, and mojoCommerce, including an AI model for credit underwriting. Disbursed loans worth 130 Cr with 20% MoM growth.

Product Management User Research Marketing Data Science AI Credit Underwriting Team Building

Head of Products – Ola Fleet, Partner Acquisition and Ola Care

ANI Technologies Private Limited (OLA Cabs)

Apr 2016 - Apr 2018 (2 years)

Led product development for car leasing, including ERP, telematics, and partner experience. Achieved 55% improvement in partner acquisition and increased CSAT from 54% to 76%.

Product Management ERP Telematics GPS OBD II Partner Experience Fraud Detection CSAT

Director – Product Management – Marketplace Operations and Content

MaxHeap Technologies (CommonFloor.com)

Oct 2014 - Apr 2016 (1 year 6 months)

Streamlined operations and developed tools for content enhancement, improving listing quality by 50% and reducing virtual tour publication time from 2 days to 3 hours.

Product Management Operations Content Management Metrics Virtual Tours

Senior Manager – Product Management

Fair Isaac (FICO) India Private Limited

Jun 2012 - Oct 2014 (2 years 4 months)

Managed product development for FICO Origination Manager, prioritizing user stories and negotiating with scrum teams. Enhanced UI leading to increased upgrades and reduced churn.

Product Management Agile Scrum User Stories UI Credit Decisioning

Principal Product Manager and Development Manager

Oracle India

Jun 2003 - Jun 2012 (9 years)

Developed functional and design specifications for Fusion CRM's Quota Management and Sales for Outlook, including data models and security requirements. Designed MDX queries for territory quotas.

Product Management CRM Functional Specifications Data Modeling Security MDX Hyperion Essbase