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Swapnendu Biswas

@swapnendubiswas

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Product leader driving digital lending growth through product strategy, risk governance, and data-driven execution.

India

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What I'm looking for

I seek a senior product role driving digital lending transformation with cross-functional ownership, strong regulatory alignment, scalable products, and data-driven growth opportunities.

I am a product and business leader with 9+ years in banking and financial services, blending product management, sales leadership, and disciplined credit and risk governance to deliver profitable unsecured lending products. I lead digital transformation as a Product Owner, modernizing lending and servicing platforms across end-to-end lifecycles.

My work has included defining product vision and roadmaps, governing agile delivery, and aligning digital strategy with regulatory frameworks and business priorities. I have launched and scaled multiple unsecured digital overdraft products, onboarded corporates and fintech partners, and generated substantial fresh business via D2C channels.

I combine an engineering background with an MBA in Banking & Finance and emphasize data-driven decision-making, stakeholder influence at senior levels, and customer-centric solutions in complex, regulated environments.

Experience

Work history, roles, and key accomplishments

Current

Product Owner

Current

Axis Bank Limited

Oct 2021 - Present (4 years 4 months)

Spearheaded digital transformation and end-to-end product lifecycle for unsecured digital overdraft products, launching three products and generating ₹300+ crore in fresh business within two years while embedding RBI digital lending compliance.

Product Management Agile Delivery Stakeholder Management Regulatory Compliance Data Analytics

Senior Product Manager

L&T Financial Services Ltd

Jan 2020 - Oct 2021 (1 year 9 months)

Owned development and portfolio governance for Micro Business Loans (JLG), managing ~₹800 crore monthly volume and achieving a sustained 99% month-on-month collection rate through structured recovery and automation of MIS.

Product Development Portfolio Management MIS Risk & Compliance Market Research P&L management

Assistant Product Manager

Tata Capital Financial Services Ltd

Apr 2019 - Jan 2020 (9 months)

Led end-to-end product development and digitization for Salaried Personal Loans and Overdrafts, enabling API integrations with aggregators and automating MIS to improve sourcing efficiency and visibility.

Product lifecycle API Integration P&L management Channel Management MIS Training

Territory Sales Manager

IDFC First Bank

Jun 2016 - Apr 2019 (2 years 10 months)

Led sales for Personal and Small-Ticket Business Loans, delivering ₹2.5–3 Crore monthly and achieving 120%–150% of annual targets while managing multi-team DSAs and scaling local distribution.

Sales Management Team Leadership Training Performance Tracking Client Relationship Management Operations Coordination

Intern - Portfolio Management

Anand Rathi Financial Services Limited

Apr 2015 - Jun 2015 (2 months)

Provided portfolio monitoring and investment advisory support, learned equity terminal operations and assisted in IPO/NFO pitching under mentor supervision.

Equity Research Investment Advisory MIS Financial Analysis

Education

Degrees, certifications, and relevant coursework

Symbiosis International University

Master of Business Administration, Banking and Finance

Completed a Master of Business Administration specializing in Banking and Finance, focusing on banking operations, finance, and risk management.

University Institute of Technology, Burdwan University

Bachelor of Engineering, Applied Electronics and Instrumentation Engineering

Earned a Bachelor of Engineering in Applied Electronics and Instrumentation Engineering with foundational training in electronics and instrumentation.