Abhishek Kumar

About Abhishek Kumar

Product Manager with 5+ years of overall experience across technology and BFSI, currently working as an Assistant Product Manager in an NBFC focused on gold loan products and secured lending.I work at the intersection of business, operations, risk, and technology, owning parts of the loan lifecycle from customer journeys and internal workflows to credit rules, operational efficiency, and stakeholder alignment.My experience includes:* Building and improving secured lending products, with hands-on exposure to gold loan journeys.* Translating business and regulatory requirements into scalable product solutions.* Working closely with credit, operations, sales, tech, and compliance teams.* Improving process efficiency, reducing friction in loan journeys, and enabling better decision-making through data.I’m particularly interested in roles that involve- Lending & credit products (secured / semi-secured)- Risk, pricing, underwriting, and fraud-related problem statements- Digital transformation of traditionally ops-heavy financial products- B2B or B2C fintech platforms serving banks and NBFCs.I enjoy working on complex, real-world problems where product decisions have a direct business and customer impact. Open to remote or hybrid Product Manager roles in fintech, lending-tech, and BFSI platforms.

Experience

1. Assistant Product Manager

   Capri Global Capital Ltd.

   Nov 2025 — Present · Gurugram, IN

   Owned and improved the end-to-end gold loan lifecycle, covering customer onboarding, gold valuation, credit checks, disbursal, renewals, balance transfer, and loan closure across branch-led and digital journeys.* Led product initiatives for co-lending of gold loans with 7 partner banks (PSU and private), coordinating across internal teams and external bank stakeholders to enable compliant, scalable, and smooth co-lending workflows.* Worked closely with credit, risk, operations, sales, compliance, partner banks, and engineering teams to translate business, regulatory, and partner requirements into scalable product solutions.* Identified key operational bottlenecks in branch and digital flows and drove product improvements to reduce turnaround time (TAT), manual interventions, and operational risk.* Contributed to credit policy implementation within product workflows, ensuring alignment with internal risk guidelines, partner bank policies, and regulatory norms.* Defined PRDs, user stories, and acceptance criteria for both internal LOS tools and customer-facing features, balancing speed, risk controls, compliance, and customer experience.* Partnered with analytics teams to track and improve core lending metrics such as conversion rates, drop-offs, TAT, operational efficiency, and policy adherence.* Delivered Balance Transfer capabilities for gold loans, enabling customer acquisition from external lenders while ensuring accurate valuation, risk checks, and seamless operational handover.* Implemented Face Liveness and identity verification features on LOS, strengthening secure login, reducing impersonation risks, and supporting fraud prevention initiatives.* Supported rollout of product enhancements across multiple branches and regions, ensuring controlled experimentation, smooth adoption, and stakeholder alignment.

Education

• NextLeap

  Product Management Fellowship, Product Management

• Kirloskar Institute of Management (KIM)

  Postgraduate Degree, Business Analytics ,Machine Learning, Artificial Intelligence and Big Data

  2019 — 2021