Senior Manager, Digital Transformation IDFC First Bank
I lead digital transformation and product delivery initiatives across lending, bancassurance, collateral management, and Account Aggregator products. I own product strategy, roadmaps, requirements, API integrations, end-to-end testing, launches, and post-launch optimization in collaboration with engineering, data science, risk, operations, compliance, and external partners.
I built FIRSTmoney, a pre-approved credit-line personal loan, from zero to one and scaled it to more than ₹1,500 crore in disbursals in its first financial year. I helped reduce application-to-disbursal time to under two minutes through real-time integrations with seven downstream systems, improved repeat drawdown conversion from 28% to 34%, increased assisted disbursals by approximately 20%, and reduced offer-upload failures by 95%.
For the digital bancassurance marketplace, I led integrations and go-lives for more than 15 insurance partners. I delivered suitability and persistency initiatives, streamlined underwriting data exchange, implemented recurring-payment capabilities, and enabled configuration-led partner onboarding. These initiatives improved persistency, reduced policy issuance turnaround time, and increased partner-sourced lead share.
I also owned delivery for a centralized collateral management platform and B2B collateral-validation APIs, generating an approximately ₹190 crore business increase in one quarter. My work included integrations with Cersai, MF Central, Vahan, Perfios, and internal banking platforms, as well as improving Account Aggregator fetch API success rates from 74% to 83%.