Parikshit Bhanushali

Parikshit Bhanushali

Senior Product Manager / Product Owner
UAE
Marathi, English, Arabic, Hindi
Full-time On-site

About Me

Growth-first product leader with 7+ years building consumer fintech products across lending, cards, payments, remittances, investing and neobanking in the UAE and India. Owns the end-to-end product lifecycl…

Experience

Senior Product Owner, Wio Invest

Wio Bank · Abu Dhabi / Dubai, UAE
Nov 2025 - Present · 11 months

<p>Got promoted to SPO from PO in under 6 months of joining the organisation for scaling the secured lending business.</p><p> Launched the UAE's first fully digital Loan Against Investments (ADX/UAE stocks): $10M+ loan book in month one, scaling past AED 100M.</p><p> Shipped Loan Against US Investments with DriveWealth 0-to-1 in under 2 months, from user interviews with Design to launch.</p><p> Designed the credit risk and underwriting policy with the Head of Credit, with automated decisioning on Taktile, aligned to CBUAE guidelines.</p><p> Built in-house collateral management, a liquidation engine, automated repayments and corporate actions (dividends, splits, M&A).</p><p> Own the trading squad roadmap (LAI, Crypto, CFDs, US Markets): taking CFDs 0-to-1, scoping US Options; $50M Margin Trading target for 2027.</p><p> Drive activation, engagement and retention through funnel analysis, customer journey optimization and segment-based campaigns with Marketing.</p><p> Run A/B tests and experiments on onboarding and trading journeys; query data in SQL and track KPIs on analytics dashboards.</p><p> Prioritize the product roadmap and Agile backlog against OKRs, aligning Engineering, Design, Data and Business.</p><p> Own end-to-end P&L, GTM and CBUAE risk and compliance approvals with ADX leadership, banking CXOs and DriveWealth.</p><p> Lead AI strategy for PMs: created 10+ internal AI agents (PRD, Jira, legal, prototyping, Ops tools); 5x personal productivity in 6 months.</p>

Senior Product Manager, Credit & Gateway

Smallcase · Bengaluru, India
Nov 2024 - Nov 2025 · 1 year

<p>Built Loan Against Mutual Funds and Stocks 0-to-1 with Bajaj Finance, DSP Finance and Zerodha; grew the book to INR 400 Cr in 1 year.</p><p> Improved LAS onboarding from 25% to 32% and MF holding import from 33% to 42% for Dezerv, Tickertape and Fi Money.</p><p> A/B-tested LAS and LAMF onboarding flows, using SQL and funnel analytics to improve activation and prioritize the roadmap.</p><p> Introduced Dynamic Limit Increase on pledged mutual funds; onboarded Uni and Tata Capital as partners.</p><p> Delivered white-labelled LAMF/LAS journeys for private banks, incl. South Indian Bank's mobile app, with maker-checker ops dashboards.</p><p> Created a shared Open Banking service (NSDL/CDSL) for fetching user’s stock holdings across different brokers, reused by other teams at no added dev effort.</p><p> Rolled out an internal Account Aggregator service with OneMoney and Finvu for Wealth Tracker and LAS.</p><p> Managed and mentored 1 PM; partnered with Business, Marketing, Design and CS; negotiated vendor contracts for 20% savings.</p>

Senior Product Manager, Fintech Lead

Xindus Trade Networks · Gurugram, India
May 2023 - Nov 2024 · 1 year 6 months

<p>Scaled Xindus Pay to $5M ARR across 300+ exporters and 1,000 daily shipments as the first fintech PM.</p><p> Built Xindus Cash, a Lending Against Inventory product, disbursing $3 Million+ in its first 2 months to boost exporter cash flow, owning product, P&L and NBFC partnerships.</p><p> Owned the fintech roadmap and backlog; used SQL and data analytics to improve exporter activation and engagement.</p><p> Secured an INR 40 Cr policy for Xindus Assure (delayed and lost shipments), improving large-customer retention.</p><p> Reduced support tickets by 95% through a claims flow, buyer notifications and automated invoicing.</p><p> Introduced Fulfilment & Returns, generating INR 15 lakh/month and cutting ops costs by 20%.</p><p> Promoted to Chief of Staff to the CEO during the $10M Series A Fundraise.</p>

Product Manager, Freo Save

Freo (formerly MoneyTap) · Bengaluru, India
Jan 2022 - May 2023 · 1 year 3 months

<p>Built Freo Save, India's first credit-led neobank, 0-to-1 with Equitas Small Finance Bank.</p><p> Grew to 300K users in 8 months and $5M monthly transaction volume, becoming India's 4th-largest neobank.</p><p> Lifted account-opening conversion from 28% to 37%, the highest in its category.</p><p> Tested account-opening and savings journeys through A/B experiments; tracked activation, engagement and retention with SQL, Mixpanel and Metabase.</p><p> Shipped debit cards, Video KYC, UPI and FD/RD, driving $1M in monthly deposits.</p><p> Unified Freo Pay and Freo Save into one consumer mobile app with BNPL; owned P&L and the Equitas partnership.</p><p> Owned the roadmap and Agile backlog for 7 engineers and 1 designer, reporting to the Co-Founder; started an RBL Bank integration.</p>

Product Manager

Equal (formerly OneMoney) · Bengaluru, India
Aug 2021 - Jan 2022 · 5 months

<p>Led the build and RBI-aligned launch of India's first Account Aggregator as the first PM hire.</p><p> Drove AA API/SDK integrations with 40+ banks and fintechs, incl. HDFC Bank, Axis Bank, Paytm and Jupiter.</p><p> Led a team of 15 engineers and designers through the end-to-end product build.</p><p> Worked directly with KP Atluri, OneMoney's Founder, in shaping product strategy and go-to-market for the AA rollout.</p>

Growth Product Manager, Founder's Office

Cateina Technologies · Mumbai, India
Jan 2020 - Aug 2021 · 1 year 7 months

<p>Won digital-transformation RFPs with Axis, Yes and ICICI Bank as ARR grew from $2M to $10M.</p><p> Headed Yes Bank's blockchain supply-chain financing build on Hyperledger.</p><p> Ran the largest client: an Open Banking platform with UOB, Standard Chartered and Deutsche Bank in Singapore and Thailand.</p>

Skills

Product vision and strategy Product roadmap End-to-end product ownership 0-to-1 launches Success metrics KPIs OKRs P&L Go-to-market (GTM) Agile Backlog ownership People management Mentoring Activation Engagement Retention Onboarding Conversion funnels A/B testing Experimentation Customer journeys User research Product-led growth Referral programs Consumer lending Credit Secured lending Credit risk Underwriting Cards BNPL Payments Remittances Stablecoins Crypto Brokerage Neobanking Open Banking KYC/AML Fraud Regulated products Compliance Risk approvals Stakeholder management SQL Data analysis Analytics Mixpanel Metabase MoEngage
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