Puneet Mehrotra
VP Product | AI-led Lending & Collections | P&L Owner | Built ₹36K Cr BNPL | Systems for Monetization & Decisioning
- Role
- Vice President of Products at Paytm
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Puneet Mehrotra
Product leader with 18+ years of experience and strong P&L ownership, building and scaling financial and digital platforms across fintech, gaming, consumer products and data ecosystems. Architect of data-driven systems that influence user behavior, optimize decisioning, and drive business outcomes across lending, collections, and monetization. At Paytm, scaled BNPL to ₹36K Cr annual disbursals with positive P&L, and led AI-driven collections transformation across a ₹15K Cr+ loan book:• Improved D30 digital collections efficiency from ~80% to ~89%. Built AI-led decisioning systems combining predictive models, feedback loops, and operational alignment across collections, allocation, and incentives. Experience spans monetization systems (gaming), Fraud detection systems (gaming & Fintech), decisioning systems (lending), and platform capabilities at scale.
Experience
Vice President of Products
Jul 2022 — Present · Gurugram, IN
o Scaled Paytm Postpaid (BNPL) to ₹36K Cr annual disbursals with positive P & Lo Onboarded 10M+ users to BNPL platformo Built 0→1 products across EMI, secured loans(LAMF, LAP, Gold Loan, used Car Loan), Business Loans and Credit Line On UPI.o Partnered with 15+ Banks/NBFCs to build a multi-lender ecosystemo Relaunched Paytm Postpaid(CLOU).o Owned collections platform for Cr+ loan book; built AI-led recovery, allocation, and governance systems improving efficiency and reducing cost.o Improved digital collections efficiency from 80% to 89% through autopay optimisation.
Education
Vellore Institute of Technology
B-Tech, Electronics & Instrumentation
2004 — 2008
Skills
- Pricing Strategy
- A/B Testing
- Cross-Functional Team Leadership
- C++
- Pnl Management
- Business Analysis
- Test Planning
- Business Process
- User Scenarios
- Project Management
- Test Automation
- Web Services
- Technical Leadership
- Hive
- Market Sizing
- System Testing
- Mobile Games
- Oracle
- Requirements Analysis
- Competitive Analysis
- Agile Methodologies
- Sql
- App Store Optimization
- Strategy
- Data Analysis
- Test Cases
- Perl
- Hadoop
- Product Management
- Social Games
- Business Intelligence
- Mobile Applications
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