At OneCard, I built a secured-to-unsecured migration program with issuer underwriting, converting ~4K secured cards with ~72% approval-to-disbursal conversion. I also architected a multi-bank onboarding PWA spanning qualification and KYC engines.
At Fibe (formerly EarlySalary), I overhauled the KYC funnel with vendor integrations and video-KYC flows, raising completion from 61% to 69%. I also scaled co-branded card lifecycle and built a distribution engine with IDFC and Kotak Bank.
At IndiaLends, I led development of statement generation and repayment settlement infrastructure for the Bettr credit card, reducing statement-related customer complaints by 60% within 60 days. I also shipped an engagement stack that included digital gold and merchant discovery.
Earlier at IndiaLends, I engineered SQL and Excel dashboards for partner lending institutions, helping scale monthly loan disbursal volume from 5 Cr to 40 Cr within three months. My work spans product lifecycle, lending, card onboarding, and digital KYC.
