Dhairya Mehta

As a Product Manager, I drive the end-to-end management of the Cashier Channel, from strategic planning to execution, contributing to monthly volumes of ₹70 Cr. I lead the Open Market Personal Loans (OMPL) business, focusing on expansion, customer acquisition, and retention by collaborating with cross-functional teams including Marketing, COE, Risk, Credit, and IT to identify and execute product optimization and operational improvements.

Key responsibilities include:

• Product Strategy & Market Analysis: Analyze market trends, competitor strategies, and customer insights to inform business decisions and identify growth opportunities.
• Lead Optimization & Analytics: Utilize OMPL digital lead feeds and advanced analytics to enhance lead funnels, driving improved conversion rates and funnel efficiency.
• Data-Driven Insights: Leverage market and customer data to identify opportunities for enhancing lead generation, conversion, and customer retention strategies.

In addition, I spearhead Google Pay Partner Channel Management, optimizing lead funnels within the Google Pay ecosystem to ensure smooth operations and maximize lead conversion for personal loans. My focus on data-backed decision-making and collaboration with cross-functional teams ensures continuous improvement and alignment with business goals.

This combination of strategic oversight, operational execution, and cross-functional collaboration ensures tangible results in product performance and business growth.

As a Product Manager, I play a pivotal role in driving the Personal Loans Business, overseeing the Cashier Channel, which contributes a significant 9% of the overall business, with monthly volumes of ₹65 Cr. My responsibilities span strategic initiatives and operational execution across digital platforms, including Account Aggregator, Merchant QR, and the 3IN1 Bajaj App from the sales team.

Key achievements and responsibilities include:

• Revenue Generation: Driving revenue through cross-sell strategies, bundling products like Insurance, QR, and EMI cards with personal loans to enhance profitability.
• Cross-Functional Collaboration: Coordinating with teams across COE, IT, Central Credit, Operations, and Collections to identify process gaps, improve efficiency, and enhance overall operational performance.
• Digital Business Impact: Delivering an average of ₹100 Cr monthly through digital feed optimization and data-driven marketing campaigns.
• Merchant QR Onboarding & Activation: Onboarding 8,000 Merchant QRs monthly, ensuring activation, and contributing to a monthly GMV of ₹6-7 Cr.
• Sales One App Optimization: Driving adoption of the Sales One App by uploading banners, sending push notifications, and monitoring target vs. achievement metrics for better alignment and performance tracking.

My strategic use of data analysis, digital tools, and collaboration enables sustained growth, operational efficiency, and significant contributions to the personal loans business. My approach focuses on leveraging innovation and digital transformation to maximize business outcomes and ensure long-term success.

As a Product Manager overseeing the Cashier Channel, I play a pivotal role in driving the Personal Loans Business by leading a team of 200 cashiers and implementing strategies that enhance performance and sales outcomes. My responsibilities include:

• Training and Development: Delivering comprehensive product-related training sessions and launching interactive learning modules to ensure the team remains well-equipped and up-to-date.
• Lead Generation Optimization: Strategically driving lead generation through the Slash platform, directing efforts toward alternate branches with lower capacity to maximize sales potential.
• Incentive Management: Designing and finalizing monthly incentive plans to recognize and reward cashier contributions, fostering a motivated and high-performing team.

This holistic approach ensures team alignment, operational efficiency, and sustained success within the cashier channel, contributing significantly to the growth of the personal loans business.

In my role as a Product Manager, I focus on optimizing conversion productivity and data penetration metrics by implementing robust systems to track, analyze, and improve process efficiency. This strategic approach ensures continual performance enhancement and operational excellence.

Key responsibilities include:

• Performance Monitoring: Tracking productivity metrics to identify opportunities for process optimization and implementing strategies to enhance team output.
• Team Leadership: Overseeing team productivity by setting clear goals, providing necessary support, and fostering a high-performance environment.
• Real-Time Coordination: Bridging communication between Sales, Information Technology Business Analysts (IBA), and Central Support to ensure seamless collaboration, efficient information flow, and a unified approach to challenges and opportunities.

By integrating these responsibilities, I ensure an agile and responsive operational environment that drives continuous improvement and aligns with organizational objectives.

As a Product Manager, I specialize in monitoring and optimizing conversion productivity and data penetration metrics. By implementing robust tracking systems, I ensure optimal performance and continual improvement in operational processes, contributing significantly to organizational growth. My strategic efforts successfully scaled branch operations to ₹2 Crores in monthly revenue, driving a substantial impact on company performance.

Key responsibilities and achievements include:

• Performance Optimization: Designed and implemented systems to analyze and enhance process efficiency, ensuring sustained productivity improvements.
• Pandemic Loan Restructuring: Managed the restructuring of personal loans during the pandemic by creating customized repayment plans, reducing defaults, and improving recovery rates.
• Cross-Functional Coordination: Act as a real-time communication bridge between Sales, Call Center, and Central Support, ensuring seamless collaboration and timely information flow.
• Strategic Impact: Successfully aligned operational strategies to achieve organizational objectives, fostering a responsive and agile operational environment.

Through data-driven insights and effective cross-functional collaboration, I consistently deliver impactful results, driving growth and operational excellence.

• As a Assistant manager I led the setup and launch of a Personal Loans business in a new branch in Phillaur .
• Drove a significant increase in sales, scaling the branch’s monthly business from zero to 70 Lacs monthly within one year.

• I successfully achieved sales targets through effective interpersonal communication skills and in-depth product knowledge, establishing and nurturing new customer relationships.
• Additionally, I played a key role in cultivating and maintaining strategic alliances with crucial partners and vendors. This dual approach of personalized communication and strong partnerships contributed significantly to the overall success and growth of the business.