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Senior Product Manager with 5+ years in BFSI, Fintech & Digital Lending, specializing in Loan Origination Systems (LOS), Credit Card Onboarding, Automated Underwriting, and Compliance-First Product Launches. Led cross-functional teams of 20+ delivering API-driven platforms with measurable impact: 6x TAT reduction, 50,000+ acquisitions, INR 1,000 Cr+ spends, 25% STP uplift, 100% regulatory adherence. Expertise in Product Strategy, OKR led Roadmapping, GTM, Agile/Scrum, Stakeholder Management, KYC/AML, BRE, and Data-Driven Decisioning.…Senior Product Manager with 5+ years in BFSI, Fintech & Digital Lending, specializing in Loan Origination Systems (LOS), Credit Card Onboarding, Automated Underwriting, and Compliance-First Product Launches. Led cross-functional teams of 20+ delivering API-driven platforms with measurable impact: 6x TAT reduction, 50,000+ acquisitions, INR 1,000 Cr+ spends, 25% STP uplift, 100% regulatory adherence. Expertise in Product Strategy, OKR led Roadmapping, GTM, Agile/Scrum, Stakeholder Management, KYC/AML, BRE, and Data-Driven Decisioning.

SUMIT KUMAR CHOUDHARY

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Senior Product Manager with 5+ years in BFSI, Fintech & Digital Lending, specializing in Loan Origination Systems (LOS), Credit Card Onboarding, Automated Underwriting, and Compliance-First Product Launches. Led cross-functional teams of 20+ delivering API-driven platforms with measurable impact: 6x TAT reduction, 50,000+ acquisitions, INR 1,000 Cr+ spends, 25% STP uplift, 100% regulatory adherence. Expertise in Product Strategy, OKR led Roadmapping, GTM, Agile/Scrum, Stakeholder Management, KYC/AML, BRE, and Data-Driven Decisioning.…Senior Product Manager with 5+ years in BFSI, Fintech & Digital Lending, specializing in Loan Origination Systems (LOS), Credit Card Onboarding, Automated Underwriting, and Compliance-First Product Launches. Led cross-functional teams of 20+ delivering API-driven platforms with measurable impact: 6x TAT reduction, 50,000+ acquisitions, INR 1,000 Cr+ spends, 25% STP uplift, 100% regulatory adherence. Expertise in Product Strategy, OKR led Roadmapping, GTM, Agile/Scrum, Stakeholder Management, KYC/AML, BRE, and Data-Driven Decisioning.

Available to hire

Senior Product Manager with 5+ years in BFSI, Fintech & Digital Lending, specializing in Loan Origination Systems (LOS), Credit
Card Onboarding, Automated Underwriting, and Compliance-First Product Launches. Led cross-functional teams of 20+ delivering
API-driven platforms with measurable impact: 6x TAT reduction, 50,000+ acquisitions, INR 1,000 Cr+ spends, 25% STP uplift, 100%
regulatory adherence. Expertise in Product Strategy, OKR led Roadmapping, GTM, Agile/Scrum, Stakeholder Management,
KYC/AML, BRE, and Data-Driven Decisioning.

Skills

Experience Level

Expert

Expert

Expert

Expert

Intermediate

Intermediate

Language

Work Experience

Senior Product Manager – Digital Acquisition & Lending, Credit Car ds at ICICI Bank Ltd.

March 1, 2024 - Present

Owned product vision and strategy for an API-driven lending platform (Credit Cards) with compliance-first design aligned to RBI requirements. Built a unified sourcing platform consolidating multiple journeys and completed full migration in 3 months with zero compliance violations. Led LOS routing and automated underwriting decision trees, reducing TAT from 7 days to 1 day and enabling same-day decisioning for a portion of applications. Improved approval rates using funnel analytics and cohort analysis; increased credit manager efficiency through BRE-based decisioning and eligibility/risk segmentation. Integrated compliance controls into product features, ensuring 100% adherence to lending regulations, KYC norms, and data protection standards. Scaled runtime metrics optimizations, led cross-functional delivery (Engineering, UX, Data, Risk, Compliance, Operations), drove Account Aggregator integration and zero-touch digital acquisition, and generated incremental acquisitions at scale.

Product Manager – Digital Acquisition, ICICI Bank Ltd. at ICICI Bank Ltd.

March 1, 2023 - March 1, 2024

Improved credit card application processing time by optimizing credit hub assignment and LOS routing. Implemented unified onboarding for salary accounts and credit cards, increasing cross-sell adoption. Deployed multi-factor authentication (MFA) with zero critical defects through rigorous UAT. Partnered with Risk and Compliance to deliver regulatory enhancements ensuring 100% RBI adherence.

Product Manager – Credit Cards & Lending at AU Small Finance Bank

June 1, 2021 - March 1, 2023

Founding product team member for credit card launch from zero-to-scale across origination, underwriting, activation, and post-launch optimization. Co-led GTM campaigns achieving large issuance and spends; conducted customer interviews and competitive benchmarking with measurable UX improvements. Designed BRE underwriting rules with Risk and Credit Policy to reduce manual interventions and improve decisioning.