Ajay Jain
Building next chapter | Strategy & Product | Digital Lending, Growth & Partnerships | Scaled 0→₹1000 Cr Portfolio | 0→1 Specialist | IIMV
- Role
- Senior Product Manager at IDFC FIRST Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Ajay Jain
Ajay Jain is a product and business leader with 5+ years of experience shaping digital lending strategy, scaling 0→1 products, and driving partner-led growth across retail and wholesale lending.At IDFC FIRST Bank, he leads digital growth for the Consumer Durable Loan portfolio—optimizing loan conversions, launching new acquisition channels, and ensuring regulatory compliance. His initiatives, including API-led ERP integrations and instant discount flows, have reduced disbursal turnaround time by 20% and generated ₹4 Cr+ in monthly incremental revenue.Previously, Ajay built and scaled the bank’s Two-Wheeler Dealer Funding business from inception to a Cr+ portfolio within three years. He introduced rule-engine automation, e-sign, and WhatsApp-based drawdowns—cutting approval time from 20 days to 60 minutes—and launched a real-time OEM portal with host-to-host APIs for faster, transparent financing.For him, lending is equal parts product, partnership, and process—creating measurable impact where all three converge. Product: 0→1 builds, UX optimization Partnerships: OEM/dealer ecosystems, B2B2C models Process: TAT reduction, lean lending operationsAn IIM Visakhapatnam alumnus with a B.Tech in Civil Engineering, he blends technical depth with strategic insight to build scalable, user-first solutions.
Experience
Senior Product Manager
Mar 2025 — Present · Mumbai, IN
Driving digital growth and channel expansion for the Consumer Durable Loan business across retail and OEM ecosystems. Delivered ₹4 Cr+ incremental revenue and 40K+ additional sales through cross-sell journeys on the Sales App Expanded sourcing reach via new channels (Brand Canvasser, CSC Centers), onboarding 40K+ users and 50K+ logins Improved loan conversion using CIBIL insights and instant discount journeys, driving engagement and incremental business⏱ Reduced disbursal TAT by 20% via API-led ERP integrations across 5K+ stores while ensuring 100% regulatory adherence
Education
Indian Institute of Management Visakhapatnam
Master of Business Administration - MBA
Maharishi Markandeshwar (Deemed to be University) Official
Bachelor of Technology (B.Tech.), Civil Engineering
2013 — 2017
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