Ayushi Rathi
Product Owner
Mumbai,MH
Summary
Strategic Product Owner specializing in digital lending solutions across unsecured lending ecosystems. Expertise in product strategy execution, customer funnel optimization, stakeholder management, and Agile delivery. Combines business acumen with technology and analytics to effectively translate customer and business needs into scalable digital products.
Overview
5
5
Certifications
7
7
years of professional experience
Work History
Product Owner
Aditya Birla Capital
05.2024 - Current
- Own and drive digital lending products across Upsell, Top-Up Loans, Employee Personal Loans, and customer engagement initiatives, collaborating with Business, Technology, Risk, Compliance, and Operations teams to deliver customer-centric and compliant solutions.
- Designed and delivered KYC, VKYC, and eNACH customer journeys, collaborating with Business, Compliance, and Technology teams to ensure regulatory compliance and frictionless onboarding experiences.
- Spearheaded the first OfferMart integration within a lending journey, enabling real-time personalized offer retrieval and eliminating dependency on locally stored offer data.
- Expanded product capabilities through the launch of Pre-Approved, Pre-Qualified, and Retention offer journeys, strengthening customer engagement and portfolio penetration.
- Delivered RBI-compliant product enhancements by partnering with Credit, Risk, Compliance, Legal, and Technology stakeholders.
- Owned customer funnel optimization and engagement strategy using MoEngage through behavioral segmentation, real-time funnel tracking, and personalized communication journeys.
- Designed daily analytics dashboards to track conversion funnels, business performance metrics, and servicing request volumes, driving product optimization and enhancing operational effectiveness.
- Authored BRDs, process flows, user stories, and acceptance criteria in Confluence, and managed JIRA backlog items to ensure clear requirements, sprint readiness, and timely delivery of digital lending features.
- Collaborated with Engineering, QA, SRE, and Business teams to prioritize releases, resolve production issues, and ensure successful product delivery.
- Presented product performance, roadmap updates, and strategic recommendations to senior leadership and decision-making forums.
Senior System Engineer
Infosys Pvt Ltd.
09.2019 - 06.2022
- Drove issue resolution and continuous improvement initiatives that reduced daily system failures from approximately 3,500 to nearly 100, significantly improving platform stability and customer experience.
- Collaborated with business stakeholders to gather requirements, identify process gaps, and translate business needs into scalable technology solutions.
- Worked within Agile teams to support end-to-end delivery of platform enhancements, ensuring alignment between business objectives and technical implementation.
- Participated in backlog refinement, sprint planning, requirement walkthroughs, and release activities to drive timely delivery of business-critical initiatives.
- Conducted impact analysis, data validation, and SQL-based investigations to support product decisions and improve system performance.
- Partnered with Development, QA, and Release Management teams to define solutions, manage dependencies, and ensure successful product releases.
- Engaged with client teams to clarify requirements, prioritize enhancements, and support implementation of customer-focused solutions.
- Acted as a liaison between business and technology teams, facilitating stakeholder communication and ensuring alignment on priorities, scope, and delivery timelines.
- Promoted from Systems Engineer to Senior Systems Engineer in recognition of strong delivery ownership, stakeholder management, and problem-solving capabilities.
- CLIENT - British Telecom
Education
MBA - Digital Transformation
SBM NMIMS
Mumbai03-2024
B.Tech - Computer Science & Engineering
SRM University
Chennai05-2019
Skills
Product Strategy & Roadmaps
Backlog Prioritization
User Stories & BRDs
Product Analytics
Funnel drop-off analysis
A/B Testing
Release Management
User experience mapping
Agile leadership
Stakeholder management
Risk Management
Compliance Strategy
Customer engagement
Fintech Solutions
Additional Information
- SQL
- Tableau
- Power BI
- JIRA
- Confluence
- Figma
- Postman
- MoEngage
- Autonom8
- MySQL
- DynamoDB, MongoDB,
- ELK
- Copilot
- ClaudeOpus
Certification
Certified by Coursera in The Product Owner Profession: Unleashing the Power of Scrum
Timeline
Product Owner
Aditya Birla Capital
05.2024 - Current
Senior System Engineer
Infosys Pvt Ltd.
09.2019 - 06.2022
MBA - Digital Transformation
SBM NMIMS
B.Tech - Computer Science & Engineering
SRM University