Joydeep Sarkar
Director of Product @M2P Fintech
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WORK HISTORY
Director of Product @M2P Fintech
Bengaluru, IN
EDUCATION
Northwestern University - Kellogg School of Management
Post Graduate Certificate in Product Management, Product Management
Indian Institute of Management Bangalore
Master of Business Administration - MBA, Finance, Strategy
West Bengal University of Technology, Kolkata
Bachelor of Engineering (BE), Electrical and Electronics Engineering
Korea Advanced Institute of Science and Technology
International Immersion Program, International Business
The Wharton School
Technology and Entrepreneurship in India Certificate Program
ABOUT JOYDEEP SARKAR
I build lending products for banks, NBFCs, and fintechs where scale, control, and compliance matter. Over the last decade, I have worked across banking, fintech, and B2B SaaS, with deep experience in digital lending, platform products, and complex credit operations. My focus is building systems that help institutions launch faster, operate with tighter controls, and grow without creating downstream operational drag.My core strength is in lending infrastructure: LOS/LMS, co-lending, repayment and servicing workflows, reconciliation, collections, settlement automation, and loan-against-securities products. I work at the intersection of product strategy, systems design, partner integrations, and execution. Increasingly, I apply AI-native product thinking to this work: using automation, decision systems, workflow intelligence, and structured product-development methods to reduce manual effort, improve speed, and make high-complexity products easier to build and operate.I have led products that delivered 40% faster time-to-market across a core lending suite used by 15+ institutions, launched a co-lending module deployed across 5 enterprise accounts with $50M+ in processed loan volume, scaled a loan-against-securities product supporting a $200M+ portfolio, reduced operational overhead by 60% through workflow automation, drove 4x YoY growth in loan disbursals, enabled ₹1500Cr+ in monthly disbursal capital through partner integrations, and built underwriting and billing systems that improved approvals, reduced errors, and created revenue leverage.
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