Shivam Rathi
Product Manager | Digital Lending & Strategic Partnerships | DBS Bank | IIM Shillong
- Role
- Product Manager, Digital Lending at DBS Bank
- Location
- Mumbai, IN
- LinkedIn followers
- 500 followers
Experience
Product Manager, Digital Lending
Sep 2023 — Present · Mumbai, IN
As a highly driven and results-oriented professional with nearly 2 years of experience in digital lending, I have successfully managed an unsecured loan portfolio of INR Cr through strategic fintech partnerships. I specialize in leading end-to-end product ownership across cross-functional teams—credit, risk, legal, compliance, and technology—to deliver seamless, compliant digital loan journeys. My efforts have consistently improved efficiency and performance, including a 35% decrease in lead-to-disbursal TAT, and a 20% gain in data accuracy. I’ve played a key role in integrating over 10 partner APIs, automating critical operations, and building performance dashboards that enabled agile decision-making, driving a 22% rise in conversions while reducing early delinquencies by 18%. With a strong focus on regulatory compliance and operational excellence, I bring a well-rounded skill set in product strategy, partner management, and data-driven optimization.
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