Nitika Rana
Product Manager | Fintech & Digital Lending | Credit Cards, Personal Loans, Business Loans ,User Journeys
- Role
- Product Manager at Indialends
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Nitika Rana
Product Manager with hands-on experience building and optimizing fintech lending products across credit cards, personal loans, and credit services. Currently working at IndiaLends, where I focus on improving end-to-end user journeys, reducing drop-offs, and aligning product execution with business outcomes.I work closely with engineering, design, marketing, analytics, and external lenders to deliver scalable, compliant, and conversion-focused product solutions.My core strengths lie in:Designing clear, low-friction application journeysImproving KYC, OTP, and verification flowsBuilding status-based communication systems using WhatsApp & RCSTranslating MIS, funnel data, and user behavior into actionable product improvementsI believe strong products are built at the intersection of user needs, business goals, and technical feasibility. Product Focus AreasFintech & Digital LendingCredit Card & Personal Loan JourneysFunnel Optimization & Drop-off ReductionUser Communication & Status UpdatesData-Driven Decision MakingLets Connect - N••••••••@gmail.com
Experience
Product Manager
Jul 2023 — Present · Gurugram, IN
Owning end-to-end user journeys across credit cards, personal loans, and business loans, managing flows from lead creation to disbursalAnalyzing funnel data and MIS reports to identify key drop-offs, leading to ~18–22% improvement in application completion ratesOptimized KYC and verification flows, reducing average user turnaround time by ~25% across lending productsLed improvements in OTP authentication and verification journeys, resulting in ~15% reduction in verification failuresDesigned and implemented status-based communication systems (WhatsApp & RCS), improving user engagement and reducing inbound support queries by ~20%Collaborated with engineering teams to integrate daily lender MIS updates, increasing application status accuracy and reducing mismatch issues by ~30%Defining PRDs and user stories for funnel enhancements, dashboard tracking, and communication triggers, ensuring timely and compliant executionUsed data-driven insights to prioritize roadmap initiatives, contributing to ~10–15% uplift in overall conversion-to-disbursal ratioWorking cross-functionally with tech, analytics, compliance, and marketing teams to align product execution with business and regulatory requirements
Education
Guru Nanak Dev University, Amritsar
Bachelor of Technology - BTech, Computer Science
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