Rajal Vaghasiya
Senior Vice President Product Management @AU SMALL FINANCE BANK
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WORK HISTORY
Senior Vice President Product Management @AU SMALL FINANCE BANK
Own end-to-end delivery of large-scale bancassurance digital platforms covering lead management, quote, proposal, payments, policy issuance, renewals and claims. Translate business strategy into delivery roadmaps, sprint plans and release milestones across multiple insurance lines (Life, Health, Group, Credit Protect, Pocket Insurance). Act as a bridge between business, insurers and technology teams, ensuring clarity of requirements and smooth execution. Lead 20+ member cross-functional teams across product, engineering, QA, UX, data and external vendors. Drive API-led integrations with insurers, CRM, LOS/LMS, CBS, payment gateways and data platforms. Designed and delivered loan-linked, credit-card-linked, salary and group insurance journeys, improving attach rates and TAT. Leveraged Account Aggregator, CIBIL, VAHAN and other bank data to automate underwriting and reduce drop-offs. Ensure IRDAI compliance, governance standards, risk controls and audit readiness across all releases.
EDUCATION
University of Mumbai
Bachelor of Engineering - BE, Computer Science
Duke University
Product Management, Digital Products
Mumbai University
Bachelor of Engineering
SKILLS
ABOUT RAJAL VAGHASIYA
Digital Product Delivery leader with 19+ years of experience building and scaling enterprise digital platforms across Insurance (Life, Health, General) and Bancassurance, with earlier experience in Retail and Aviation.My core strength is getting complex digital platforms delivered end to end from business requirements to stable production releases. I work as a techno-functional bridge between business, insurers, banks and technology teams, ensuring clarity, alignment, and smooth execution without needing to be a deep hands-on technologist.Currently, I lead bancassurance digital platforms covering lead management, quote, proposal, payments, policy issuance, renewals, and claims. These platforms integrate with insurers, CRM, LOS/LMS, CBS, payment gateways, and API ecosystems, while meeting regulatory and compliance needs.Over the years, I’ve helped organizations:Launch and scale 10+ mobile and web platformsGenerate ₹20+ Cr revenue through paperless insurance journeysDrive 300% revenue growth via API and partner integrationsImprove renewals, digital collections, and sales productivityBuild and lead cross-functional teams across product, engineering, QA, UX, and vendorsI’m known for ownership, execution discipline, and stakeholder alignment, especially in regulated, high-scale environments where delivery quality really matters.
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