Ambuj Pratap Jain

Product Leader – Embedded Finance & Onboarding Solutions

Senior product leader driving innovation, scalability, and revenue growth across lending, embedded finance, and digital onboarding solutions. Built and Led multiple products. Managed a team of 5 Product Managers and collaborated with cross-functional teams including Engineering, DevOps, UX, Sales, and Compliance to ensure seamless execution. Active contributor to AOP (Annual Operating Plan) and strategic decision-making, shaping the long-term growth and direction of the business.

Intelligent Document Processor(Financial Document Processing & AI-driven Credit Assist)

• Conceptualized and built Nexus, a multi-region platform enabling financial document processing and AI-driven underwriting.
• Integrated AI-powered "Credit Assist", enabling human-like conversations for credit advisory and automation.
• Achieved 1M+ transactions, 90% conversion rate, and $4M+ revenue across 6+ countries in the first year.
• Trained Sales & CST teams, ensuring strong adoption and customer success.

Key Metrics & Clients:

• 30+ customers onboarded in 1 year.
• Major Clients: Leading banks & NBFCs globally.

Mortgage Broker Platform (UAE-focused Mortgage Lending Marketplace)

• Built a broker-centric mortgage lending platform, streamlining loan discovery, application, and disbursement.
• Onboarded 10+ UAE mortgage brokers, driving 300M+ AED in monthly loan disbursements.

Key Metrics & Clients:

• 10+ UAE-based mortgage brokers onboarded.
• AED 300 million + in monthly Disbured loan volume.

Embedded Finance (BNPL, Checkout Finance & Cross-sell Lending Solutions)

• Developed a plug-and-play embedded finance solution, enabling marketplaces & e-commerce platforms to offer:
• Checkout Finance (BNPL, Credit Limits) for increased sales & retention.
• Cross-sell lending products like Personal Loans & Credit Cards.
• Integrated with 5+ lenders to ensure seamless financing options.

Key Metrics & Clients:

• 100K+ end-user onboardings per month.
• Major Clients: Swiggy, JioMart (Reliance Group), JioMart Digital, Netmeds.

Digital Stack Solutions – OCEN & ONDC Bridge (Govt-backed Lending Infrastructure)

• Built OCEN & ONDC plug-and-play solutions, enabling lenders to seamlessly participate in government-driven digital lending frameworks.
• Simplified lender onboarding & integration, ensuring regulatory compliance and faster adoption.

Key Metrics & Clients:

• Major Clients: ICICI Bank, Kotak Mahindra Bank, UCO Bank, UBI, BOI.

Onboarding Journey Solution (Low-code Digital Onboarding for Lenders & FinTechs)

• Designed a plug-and-play onboarding solution for lenders and FinTechs to onboard users for:
• Personal Loans, PO Finance, Business Loans, and more.
• Enabled custom API-first onboarding workflows for regulatory-compliant loan origination.
• Built AI and NLP based onbaording journey

Key Metrics & Clients:

• 50K+ monthly loan onboardings.
• Major Clients: GeM (Government e-Marketplace), Muthoot Finance, NPCI.

Strategic Leadership

• Core member of AOP (Annual Operating Plan) & Strategic Team, defining revenue targets, product investments, and long-term growth strategies.
• Managed a team of 5 Product Managers, overseeing product vision, execution, and scalability.
• Indirectly led cross-functional teams, collaborating closely with Engineering, DevOps, UX, Sales, and Compliance to drive successful product delivery.
• Defined and executed product roadmaps, aligning business objectives with market needs and industry trends.

• Created Digital Personal Loan Product from inception to launch, achieving a disbursement run rate exceeding 200 crores per month
• Successfully launched the product through Fintech partners such as Paisa Bazaar, One Card, and Epifi, demonstrating effective collaboration and market penetration strategies
• Collaborating on the co-creation of Credit Policy to ensure alignment with business objectives and regulatory standards
• Working closely with cross-functional teams like Risk, Compliance, IT, Operations, Legal, etc., to optimize product development processes and ensure smooth integration
• Overseeing stakeholder communication and providing oversight across all product development stages, ensuring alignment with strategic objectives
• Ensuring strict adherence to RBI circulars and regulatory guidelines throughout the product lifecycle
• Developing commercials for Fintech Partners, aligning with business objectives and profitability targets
• Owning overall P&L management for the products, driving revenue growth and profitability through strategic planning and execution

• Conceptualized, developed, and led the implementation of the tab application for opening savings and individual current accounts for Non-Resident customers
• Collaborated with cross-functional teams to ensure seamless integration and functionality, providing Relationship Managers (RMs) with a user-friendly tool
• Within the first year of launch, RMs successfully opened 30,000 accounts, demonstrating the immediate impact and effectiveness of the tab application
• Achieved a significant growth milestone in the second year, with RMs opening 60,000 accounts, reflecting the sustained success and scalability of the digital account opening platform
• Conducted market research to identify customer needs, ensuring the tab application remained competitive and aligned with industry trends
• Implemented continuous improvement strategies based on user feedback, resulting in enhanced usability and increased customer satisfaction
• Collaborated with IT and security teams to ensure the application complied with regulatory standards, guaranteeing a secure and compliant account opening process
• Trained and supported RMs in effectively utilizing the tab application, contributing to increased adoption and proficiency among the team

• Lead Tech integration of Fintech Partners for Neo Banking
• API Banking integrations and support to Fintech partners
• Manage requirements gathering, customizations, Data Migration, testing, training and deployment
• Worked with cross-functional teams like Risk, Compliance, IT, Operations, Legal etc
• To optimize the development
• Manage and resolve any potential conflict whilst facilitating all aspects of stakeholder relationships

• Monitoring and maintaining networks and servers
• Installing and configuring Computers
• Upgrading, installing and configuring new hardware and software to meet company objectives
• Creating user accounts and performing access control
• Performing diagnostic tests and debugging procedures to optimize computer systems
• Documenting processes, as well as backing up and archiving data
• Developing data retrieval and recovery procedures
• Supervising and mentoring IT department employees, as well as providing IT support
• Keeping up to date with advancements and best practices in IT administration