LENDING · BANKING · CAPITAL MARKETS
I translate complex user needs and messy financial workflows into structured product decisions, clear requirements, and measurable outcomes. 3+ years shipping fintech products across global financial institutions in Japan.
Hands-on product delivery across lending, banking, and capital markets at Mizuho Securities and Yamaguchi Financial Group. From loan origination workflows to trading platform enhancements.
Designed and deployed connected AI agent suites across the full product lifecycle, meetings transcription to requirement scoring to test-gap detection. Reduced documentation and triage effort by 70% per release cycle.
Sprint planning, backlog grooming, SIT/UAT/Regression coordination across 15+ monthly releases. First-principles problem definition. RICE and MoSCoW prioritization. Full go-live ownership end to end.
Synthesizing feedback from 80+ traders and 20+ user interviews into prioritized roadmaps and MVP feature sets. Every decision anchored in real user behavior, not assumptions or stakeholder opinions.
Not just shipped but delivered
Professional product work across global financial institutions from capital markets and lending platforms to AI-driven product operations and startup MVP research.
End-to-end PM case studies demonstrating structured product thinking across FinTech, AI, and consumer products. Every case applies a disciplined methodology from user research to KPI framework.
A stress-test decision intelligence system modeling real-world financial scenarios to determine true loan affordability.
Designed a payroll-linked micro-gold savings vertical to expand beyond JAR's B2C model.
Redesigned NRI loan onboarding to reduce KYC drop-off under strict regulatory constraints.
Designed a child-care product vertical for urban Indian families with Continuity Booking and 10-min Backup.
A structured PRD for GoComet's Document Upload, Extraction & Validation with clear acceptance criteria.
Full product strategy and GTM deck for an AI mental health startup targeting the Indian market.
Designed habit-forming engagement loops for MPL solving the off-season retention problem.
Designed a corporate travel card with real-time CO₂ tracking, Tiered Green Rewards, and One-Tap Carbon Offsets.
Build one product that a hundred people love, rather than a product that a million people just sort of like.
~ Paul Graham, Y Combinator
Essays, teardowns, and observations on FinTech, AI products, and the India Stack. More coming soon.
India has 15M+ gig workers facing irregular income cycles. Traditional EMI models are built for salaried employees. What does a cash-flow-aware lending product look like, and what does the UX of financial flexibility mean at this scale?
Read Essay →UPI processes 20B+ transactions monthly yet group expense management still routes through third-party apps. An analysis of the native product gap and what embedded UPI group finance could unlock for the 500M+ active UPI users.
Read Essay →When an AI system recommends a rental price or scores a loan application, can the user understand why? Exploring the tension between model accuracy and human trust — and what PM decisions actually shape explainability in fintech AI products.
Read Essay →