Summary
Overview
Work History
Education
Skills
Websites
Timeline
Generic

Aman Vardhan

Mumbai

Summary

Results-driven Senior Product Manager with 6+ years of experience in Fintech, banking, and risk analytics. Proven track record in credit risk, regulatory compliance (IFRS 9, IFRS 16, Basel), and AI/ML-driven product development. Skilled in conceptualizing and delivering digital solutions that increase operational efficiency, mitigate risk, and drive business growth across multiple geographies (India, Sri Lanka, Bhutan, Vietnam).

Overview

13
13
years of professional experience

Work History

Senior Product Manager

CareEdge Analytics & Advisory Pvt. Ltd. (CAAPL)
Mumbai
05.2025 - Current
  • Conceptualized and led development of an AI-powered Integrated Credit Monitoring System, embedding chatbot support, automated action triggers, and a Bank Statement Analyzer, improving client adoption by 35%.
  • Envisaged and drove creation of an ML-based risk scoring & categorization model to predict credit defaults, reducing false positives in early warnings by 20%.
  • Designed and launched a Covenant Monitoring Module, enabling banks to track covenant breaches in real-time and reduce manual monitoring effort by 40%.

Product Manager

CareEdge Analytics & Advisory Pvt. Ltd. (CAAPL)
02.2024 - 05.2025
  • Spearheaded Credit Monitoring System implementations across Vietnam, Bhutan, Sri Lanka, and India, ensuring 100% compliance with local regulatory frameworks.
  • Led IFRS 9 & IFRS 16 product deployments in Bhutan and Sri Lanka, streamlining provisioning calculations and financial reporting, reducing turnaround time by 30%.
  • Implemented Internal Rating System for a private sector bank in Mumbai, improving risk-based credit decisioning and enhancing approval efficiency by 25%.
  • Delivered Credit Risk Basel System with CRAR, RAROC, and stress testing features, strengthening capital adequacy planning and risk reporting across geographies.

Assistant Manager – Credit & Operations

[Bank Name]
08.2017 - 06.2021
  • Managed a ₹100+ Cr portfolio across Retail, SME, and Agri segments, maintaining NPAs below 2% through proactive monitoring and risk assessment.
  • Digitized inter-bank clearing services, reducing turnaround time by 24 hours and improving operational efficiency.
  • Organized digital banking literacy camps, driving 40% adoption of digital channels and reducing branch footfall for routine transactions.
  • Implemented IoT-Aadhaar Enabled Payment System (AEPS) with 50% cost savings, enabling financial inclusion in rural/semi-urban markets.
  • Processed and analyzed credit proposals with a 99% approval success rate, contributing to quality asset creation.

Graduate Trainee Engineer

[Manufacturing Firm Name]
07.2012 - 11.2012
  • Led installation of a new machine line for Plumber Housing Products, ensuring on-time commissioning and process optimization.

Education

MBA - Finance

SPJIMR
Mumbai
04.2001 -

B.E. (Hons.) - Mechanical Engineering

BITS Pilani
Goa
07.2012

Skills

  • Product Management: Credit Monitoring, IFRS 9/16, Basel II/III, Early Warning Systems, Internal Rating, Covenant Monitoring

  • Risk & Credit Analytics: CRAR, RAROC, Stress Testing, Risk Scoring, ML Models

Websites

Timeline

Senior Product Manager

CareEdge Analytics & Advisory Pvt. Ltd. (CAAPL)
05.2025 - Current

Product Manager

CareEdge Analytics & Advisory Pvt. Ltd. (CAAPL)
02.2024 - 05.2025

Assistant Manager – Credit & Operations

[Bank Name]
08.2017 - 06.2021

Graduate Trainee Engineer

[Manufacturing Firm Name]
07.2012 - 11.2012

MBA - Finance

SPJIMR
04.2001 -

B.E. (Hons.) - Mechanical Engineering

BITS Pilani

Similar Profiles

CREATE PROFILE
Aman Vardhan