Bhavik Kaul

About Bhavik Kaul

Product and business leader with 17+ years of experience building and scaling consumer and fintech platforms at massive scale across high-growth markets. Proven track record of translating deep consumer insight into durable product platforms and business outcomes across payments, credit, wealth, and marketplaces.Currently Chief Product Officer at super.money (Flipkart), owning end-to-end product strategy across UPI, cards, lending, and wealth products serving tens of millions of users.Experienced in both 0→1 and 1→100 journeys, building and scaling senior product orgs, shipping first-in-market products, and balancing growth, risk, and unit economics. Increasingly focused on how AI-native and agentic systems reshape consumer experiences, decision-making, and operating leverage.

Experience

1. Investor Advisor

   Early Stage Startups

   Jun 2021 — Present

   I help startups think through Growth & product strategies. Help with hiring for key positions & fund raising via syndicates Current investments in -> Siply (Micro savings for bharat), KarmaLifeAI (Credit for gig workers), Falcon (Credit card & banking stack), GrowthX (Community based learning for Growth leaders), Vegapay (Credit card stack), Betterhalf (Matchmaking, Astrology, Weddings) and others.

Education

• Savitribai Phule Pune University

  BE, Electronics & Telecommunication

  2002 — 2006

Skills

• Consulting
• Competitive Analysis
• Start-Ups
• Pre-Sales
• Mobile Applications
• Business Strategy
• Management
• Enterprise Software
• Product Development
• Project Planning
• Go-to-Market Strategy
• Entrepreneurship
• Business Analysis
• User-Centered Design
• Business Development
• User Experience
• Mobile Devices
• Product Management
• Requirements Analysis
• Strategy
• Vendor Management