Hi, I’m
Ambuj Pratap Jain
Dubai
Summary
Product leader with 10+ years of experience in FinTech, Digital Lending, and Embedded Finance. Skilled in building and scaling customer-centric SaaS products across international markets. Experienced in applying AI, automation, and LLMs to real-world financial use cases to enhance personalization, and operational efficiency. Strong track record of leading cross-functional teams, driving innovation, and launching zero-to-one solutions aligned with business outcomes.
Overview
11
years of professional experience
6
Certificate
Work History
Perfios Software SolutionsDubai
Director - Products
10.2024 - Current
Job overview
- Scaled portfolio of three flagship fintech products from concept to market leadership across India, Malaysia, Indonesia, and Africa.
- Drove over AED 1B monthly disbursements through Intelligent Mortgage Platform adopted by 15 leading mortgage brokers.
- Conceptualised and Built Nexus – Intelligent Document Processing, achieving USD 500K monthly revenue volume with 25 enterprise clients.
- Launched industry-first Cross Analysis & GenAI Financial Assistant with five active clients and multiple pilots ongoing.
- Managed P&L for product suite, aligning vision with growth goals and optimizing revenue-to-cost ratios.
- Led international market expansion efforts in Malaysia, Indonesia, and Africa to validate product-market fit.
- Established strategic KYC and compliance partnerships in emerging markets to accelerate go-live timelines.
- Collaborated with Finance on annual budget planning and resource allocation for product, engineering, and infrastructure teams.
- Leading the team of SPM and PMs
Perfios Software SolutionsBengaluru
Associate Director - Products
12.2022 - 10.2024
Job overview
- Led design and delivery of onboarding and credit journeys across retail, SME, and embedded finance sectors, emphasizing speed, compliance, and scalability.
- Collaborated with Engineering, UX, Business, and QA teams to deliver seamless, production-ready digital solutions.
- Developed Perfios Credit Gateway (PCG), enabling marketplace-to-lender connectivity for JioMart and Reliance entities.
- Created GEM Sahay, a purchase order finance journey for MSMEs on GeM portal, integrated with TSPs and lenders.
- Built RuPay Credit Card Journey, deploying a digital issuance experience compliant with RBI norms.
- Delivered tailored corporate onboarding journeys for Zaggle, focusing on card, credit line, and prepaid solutions.
- Launched personal loan onboarding flow for Muthoot, streamlining KYC, bureau checks, and document verification processes.
- Accelerated time-to-live by establishing reusable onboarding components and integration toolkits.
THE FEDERAL BANK LTDBengaluru
Product Manager
12.2021 - 12.2022
Job overview
- Developed digital personal loan product from inception to launch, achieving disbursement run rate exceeding INR 200 crores monthly.
- Successfully launched product through Fintech partners, including Paisa Bazaar, One Card, and Epifi.
- Collaborated on co-creation of Credit Policy to align with business objectives and regulatory standards.
- Engaged with cross-functional teams such as Risk, Compliance, IT, Operations, and Legal to optimize development processes.
- Oversaw stakeholder communication and ensured alignment with strategic objectives across all product stages.
- Ensured adherence to RBI circulars and regulatory guidelines throughout product lifecycle.
- Created commercials for Fintech Partners, aligning with profitability targets and business objectives.
- Managed overall P&L for products, driving revenue growth through strategic planning and execution.
THE FEDERAL BANK LTDDubai
Product Manager
12.2019 - 12.2021
Job overview
- Conceptualized and implemented tab application for Non-Resident customers to open savings and current accounts.
- Collaborated with cross-functional teams for seamless integration, enhancing usability for Relationship Managers.
- Achieved 30,000 account openings within first year, showcasing immediate impact of tab application.
- Facilitated growth in second year with 60,000 accounts opened, demonstrating scalability of digital platform.
- Conducted market research to align tab application with customer needs and industry trends.
- Implemented strategies for continuous improvement based on user feedback, boosting usability.
- Ensured compliance with regulatory standards through collaboration with IT and security teams.
- Trained Relationship Managers on effective use of tab application, increasing adoption rates.
THE FEDERAL BANK LTDIndia
Digital Asst. Product Manager
12.2016 - 12.2019
Job overview
- Directed technology integration of Fintech partners for Neo Banking solutions.
- Facilitated API banking integrations and provided support to all Fintech partners.
- Managed requirements gathering, customizations, data migration, testing, training, and deployment.
- Collaborated with cross-functional teams including Risk, Compliance, IT, Operations, and Legal to enhance development processes.
- Resolved potential conflicts while nurturing stakeholder relationships across projects.
- Streamlined communication between teams to ensure alignment on project objectives.
SEA NEWS NETWORK LTDAgra
IT Administrator
07.2013 - 06.2014
Job overview
- Monitored and maintained networks and servers to ensure optimal performance.
- Installed and configured computers to meet organizational standards.
- Upgraded hardware and software to align with company objectives.
- Created user accounts and enforced access control protocols.
- Performed diagnostic tests and debugging procedures to enhance system efficiency.
- Documented processes and managed data backup and archiving.
- Developed data retrieval and recovery procedures for critical information.
- Supervised IT department staff, providing mentorship and support.
Education
Manipal School of Banking
PGDBF from Banking and Finance
01.2016
Lovely Professional University
B. Tech from Computer Science
05-2013
Skills
- Product Strategy & Roadmap Development
- Market Research & Competitive Analysis
- Agile & Scrum Methodologies
- Product Lifecycle Management
- Business & Functional Requirements Documentation (BRD, PRD)
- Digital Lending & Embedded Finance Solution
- Low-Code / No-Code Platform Development
- AI & ML in Financial Services
- KYC & AML Compliance
- GTM Strategy
Certification
- FRM Level 1
- Certifies Credit Officer IIBF
- CAIIB
- JAIIB
- Google project Management
Accomplishments
- Spearheaded the launch of a tab-based account opening application, reducing turnaround time from 2 days to just 30 minutes, which led to 30,000 additional accounts opened in Year 1, with volumes doubling in Year 2
- Launched the bank’s first 100% digital personal loan journey for new-to-bank (NTB) customers in partnership with Paisa Bazaar, achieving a ₹200 crore monthly disbursement run rate within three months of launch
- Led the development of a digital credit card distribution platform for NPCI (National Payments Corporation of India) — a first-of-its-kind solution, enabling embedded credit issuance via partner ecosystems
- Built and deployed a smart onboarding assistant as an internal innovation project, automating form filling, KYC document tagging, and flow configurations to reduce onboarding effort in low-bandwidth environments
- Designed and launched an AI-powered astrology app as a personal side project, using a large language model (LLM)-first approach to deliver contextual astrological insights, this served as a real-world prototype for LLM integration and generative AI product design
Timeline
Director - Products
Perfios Software Solutions
10.2024 - Current
Associate Director - Products
Perfios Software Solutions
12.2022 - 10.2024
Product Manager
THE FEDERAL BANK LTD
12.2021 - 12.2022
Product Manager
THE FEDERAL BANK LTD
12.2019 - 12.2021
Digital Asst. Product Manager
THE FEDERAL BANK LTD
12.2016 - 12.2019
IT Administrator
SEA NEWS NETWORK LTD
07.2013 - 06.2014
Manipal School of Banking
PGDBF from Banking and Finance
Lovely Professional University
B. Tech from Computer Science
Similar Profiles
RAMANUJAM V RRAMANUJAM V R
Customer Success Manager at Perfios Software Solutions Private LtdCustomer Success Manager at Perfios Software Solutions Private Ltd
Mangesh RatnalikarMangesh Ratnalikar
Manager – Technical Product Implementation at Perfios Software SolutionsManager – Technical Product Implementation at Perfios Software Solutions
Ranjith G BRanjith G B
MANAGER – TECHNICAL PRODUCT IMPLEMENTATION at PERFIOS SOFTWARE SOLUTIONSMANAGER – TECHNICAL PRODUCT IMPLEMENTATION at PERFIOS SOFTWARE SOLUTIONS
SANTY WILSONSANTY WILSON
Senior Credit Process Associate at Perfios Software Solutions Private LimitedSenior Credit Process Associate at Perfios Software Solutions Private Limited
MOHAMMED ANASMOHAMMED ANAS
Freelancer at Stefab.comFreelancer at Stefab.com