Ayush Dagar

Chief Manager - New Initiatives @TVS Credit Services Ltd.

Chennai, IN

Leading the development and launch of cross-sellable lending products to leverage the existing customer base, enhance lifetime value, and expand the company\'s loan portfolio.• Launched EMI-at-POS lending solutions across merchant networks (LFR,RR, and GT) in Tier 1, Tier 2, and Tier 3, enabling instant credit at checkout, driving rapid adoption in consumer durables and retail segments.• Owning P&L for newly launched lending products (EMI-at-POS, Invoice Financing),ensuring commercial viability through strategic control of pricing, partner payout structures, and risk-adjusted return metrics; actively monitor product profitability to drive sustainable scale and portfolio health.• Driving the end-to-end product lifecycle from ideation, market research, business case development, to launch and optimization.• Creating detailed Business Requirement Documents (BRDs) and product notes for new lending schemes and feature enhancements, covering user flows, credit rules, process logic, and integration requirements, to guide cross-functional development and approvals.• Collaborating with credit, risk, tech, and operations teams to ensure regulatory compliance and operational readiness.• Conducting competitor benchmarking and customer journey mapping to refine product features.

National Institute of Technology Kurukshetra

Bachelor's Degree

Delhi School of Economics

Master of Business Administration - MBA