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Digital Lending | IIT Guwahati | 日本語対応
ICICI Bank → Bandhan Bank → AU Bank: Building unsecured lending where trust becomes collateral. Product Manager with 5+ years of experience building digital lending journeys that are fast, intuitive, and built to scale. I’ve led end-to-end development of Personal Loans, Top-Up Loans, FlexiCash, Insta BIL, Education Loans, and Business Loans across mobile, web, chatbot, and voice channels. Delivered standout experiences like the 3-second top-up loan, instant digital closures, and Chatbot/VoiceBot disbursals, along with full compliance on KFS, APR, and digi-sign flows. On the payments side, I work on API-first merchant solutions — PG, UPI, eNACH, CIB, H2H, composite APIs, and ERP-integrated POS — enabling smooth onboarding and high-volume operations. With a background in full-stack dev + SAP MM, I bring a solid tech foundation to product thinking. My focus: building digital journeys that feel simple, smart, and effortless for millions.
Indian Institute of Technology, Guwahati
Bachelor of Technology, Electrical and Electronics Engineering
January 1, 2016 – January 1, 2020
AU SMALL FINANCE BANK
Assistant Vice President- Product Management, Digital Lending
May 1, 2026 – Present
Bandhan Bank
Senior Product Manager – Digital Lending
October 1, 2025 – May 1, 2026
On-site
ICICI Bank
Senior Product Manager – Digital Lending
April 1, 2023 – October 1, 2025
ICICI Bank
Product Manager, Digital Lending
March 1, 2022 – March 1, 2023
Tech Mahindra
Japanese Bilingual Software Engineer
July 1, 2021 – March 1, 2022
Human Resocia/Global IT Talent
Software Engineer
October 1, 2020 – June 1, 2021
CodeAsylums Network
Software Development Intern
May 1, 2019 – June 1, 2019
Techniche, IIT Guwahati
Senior Marketing Executive
January 1, 2017 – January 1, 2018
Technothlon
City Representative
July 1, 2016 – January 1, 2018
iit guwahati
Techniche, IIT Guwahati
Marketing Executive
July 1, 2016 – July 1, 2017
Japanese-Language Proficiency Test
MIGII JLPT
June 30, 2026 – Present
MyJT Certificate
MyET
June 30, 2026 – Present
Cultural Fit Analysis
The candidate has a strong background in product management within the banking and fintech sectors, demonstrating experience in fast-paced, regulated environments. The early career in software engineering and marketing roles at IIT Guwahati suggests a diverse skill set and adaptability. However, the target role of 'Data Analyst' represents a significant pivot from their recent product management trajectory. While product management often involves data-driven decisions, the core responsibilities of a data analyst (e.g., advanced statistical analysis, data warehousing, BI tool proficiency) are not explicitly demonstrated in their experience. This misalignment with the target role suggests a moderate cultural fit for a pure data analyst position, though their analytical skills from product management could be transferable.
Soft Skills & Operational Fit
The candidate's experience descriptions highlight leadership, team management, stakeholder engagement, and decision-making, which are crucial for senior roles. The transition from software engineering to product management indicates adaptability and a broader business perspective. However, the target role is 'Data Analyst', which is a significant shift from their recent product management focus. While analytical skills are mentioned, direct experience in data analysis, modeling, or specific data tools (beyond Google Analytics) is not explicitly detailed, which could impact operational fit for a dedicated data analyst role.