Product Manager specializing in AI & Payments - Leading innovation at Pine Labs
Product Manager with 3+ years in payments AI, currently leading innovation at Pine Labs. At Pine Labs, I've worked 360 degree across the payments lifecycle, covering: AI assisted merchant onboarding, Pay by Points platform, and Risk,FRM, AML platform.
My expertise spans across AI/ML, payments infrastructure, and cross-functional team leadership. I'm passionate about leveraging cutting-edge technology to solve real-world problems and create exceptional user experiences.
1.5× Lead Coversions via increased productivity
Reduced onboarding from 4.5 days to 1 day using GenAI
Led 8+ cross-functional teams to deliver AI-first products
Across merchant onboarding, pay by points, settlements and Risk, FRM & AML
Demonstrating consistent growth and impact through progressive roles at Pine Labs
Bengaluru, India • January 2022 - Present
Current Role
Merchant Onboarding App
Leading end-to-end product strategy and execution for an Generative AI-driven, sales-assisted merchant onboarding app, reducing average onboarding turnaround time from 4.5 days to under 1 day
Pioneered S.I.A (Sales Intelligence Ally), an AI-based sales enablement tool leveraging behavioral nudges and gamified incentives, leading to a 1.5× improvement in POS sales productivity
Fast-tracked through two promotions in 3 years for consistently delivering high-impact products and driving cross-functional alignment
Promoted after 18 months
Risk Platform & Pay by Points In-store experience
Led the India-first implementation of Google Wallet Tap & Pay on Pine Labs POS, showcased live in collaboration with Google at the Google I/O event
Owned the product roadmap for the Pay by Points merchant experience , enabling ₹3.21B in annual transactions and scaling integrations with 15+ reward partners
Owned risk mitigation initiatives by introducing pre-authorization limits and transaction monitoring, maintaining chargeback-to-sales ratio under 0.5%
Starting role - Foundation building
Payment Mode Activation Experience
Increased UPI activation success % from 68% to more than 96% by re-designing the activation flow to handle junk user inputs
Technical product skills - Developed proficiency in API integrations, payment gateways, and POS systems
Cross-functional collaboration - Built strong relationships with engineering, design, and business teams
Robotics and AI Society, IITJ
Led team of 24 members across Inter IIT Tech meet, Smart India Hackathon and Robocon events
Student Placement Cell, IITJ
Led team of 5 to develop Django portal for 1000+ students and recruiters
IITJ Technical Festival
Led team of 3 to develop event management portal with 650+ signups
Ready to discuss opportunities, collaborations, or just have a chat about AI and product management? I'd love to hear from you.