Yogesh Khanke

About Yogesh Khanke

I build lending products for the real India — the India that dreams on EMI, grows on trust, and moves forward on two wheels at a time. For me, digital lending isn’t merely about faster journeys or sleeker apps; it is about creating systems where risk, behaviour, and business move together with intention.My perspective is shaped by the belief that lending is both science and empathy.You analyse the data, but you also understand the person behind it.You optimise processes, but you also honour the rhythms that branches have lived for decades.You automate decisions, but you never forget the weight of every approval.I thrive at the intersection of product, credit, and execution, where technology isn’t just an enabler but a force that redefines how India borrows. I enjoy solving problems that demand clarity, responsibility, and long-term thinking — and turning them into scalable, meaningful outcomes.If you\'re passionate about digital credit, product innovation, or the future of retail lending in India, let’s connect.

Experience

1. Senior Product Manager - Strategy

   Shriram Finance Limited

   Apr 2024 — Present · Mumbai, IN

   At Shriram Finance, I lead digital product initiatives across two-wheeler lending and cross-sell personal loans, working closely with risk, tech, data, and business teams to build systems that scale responsibly across India’s diverse markets.My work includes:• Dynamic Offer & Pricing EnginesBuilt real-time engines that generate personalised loan offers, interest rates, and tenors by blending bureau attributes, risk parameters, affordability logic, and business rules.These models enable data-driven pricing, improve portfolio quality, and help branch teams sell with precision.• End-to-End Digital Lending JourneysDesigned origination, verification, underwriting, and decision workflows that reduce TAT while ensuring risk integrity.Introduced automation layers and API-driven flows to move journeys from manual to intelligent.• Risk-Aligned Workflows & Decision SystemsCollaborated with credit and analytics teams to embed rule-based decisioning, strengthen approval filters, and create visibility frameworks for portfolio performance.• Process Design & Portfolio ImpactTranslated borrower behaviour, ground feedback, and market dynamics into scalable product pathways.Focused on balancing growth, risk, and operational efficiency to support sustained business outcomes.In short, I help convert business problems into structured digital solutions — where every journey is cleaner, every decision is sharper, and every product is aligned for long-term value.

Education

• Great Lakes Institute of Management

  Master of Business Administration - MBA

• National Power Training Institute, Gopal Nagar

  Bachelor of Engineering (BE), Power Engineering

  2015 — 2019

• St. Michael English School,Chandrapur

  10th

  2009 — 2013

• SMSJ Jr. College, Chandrapur

  12th

  2013 — 2015