Summary
Overview
Work History
Education
Skills
Websites
Creative problem solving
Accomplishments
Certification
Timeline
Generic

Dwaraknath R

Chennai

Summary

Dynamic Product Manager with entrepreneurial background and proven track record at Fintech, driving innovative B2B solutions that boosted loan disbursals and customer engagement.

Expert in end-to-end product strategyand international market launches, leveraging strong stakeholder leadership and advanced bank statement analysis skills to achieve impactful results.

Passionate about creating user-centric products that enhance engagement and retention.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Product Manager

Perfios
Bengaluru
09.2023 - Current
  • SmartSalary Module: Designed an employer-agnostic income detection engine using recurrence/exclusion rules and ML augmentation for fragmented salary data. Drove a 12% increase in client loan disbursals.
  • Business Income Model: Architected income-detection for self-employed clients via bank statements—boosted SME & PL disbursals by 6%.
  • International Expansion: Enhanced bank statement categorization, bureau report, and FSA modules for UAE, Oman, Egypt. Headed LLM-powered PoCs to accelerate onboarding—added 3 new enterprise clients in the region.
  • BSA - Enhancement to increase value add for NBC computations for SME divisions through integration of MCA data led to increase of 5% in pricing
  • Hyperpersonalisation - Worked hands-on with Credit card recommendation engine and investment propensity module, leveraging ML and successful PoCs with ICICI
  • Categorisation - Developed new categories and enhanced existing to increase coverage and precision for FOIR categories and discretionary spending

Research & Product Owner

Go Offline
Bengaluru
01.2022 - 08.2023
  • Built MVP and GTM for a consumer digital wellbeing platform connecting offline service providers—handled ideation, wireframing, user testing, and growth.
  • Validated product-market fit via early-stage traction metrics, refining UX and retention loops.
  • Acquired 1000 users to demonstrate reduction of DDT (digital distraction time) by 10mins
  • Research across behavioral frameworks derived from octanalysis chart for increased engagement

Co-Founder

Short Giraffe Hostels
07.2018 - 12.2021
  • Launched a boutique hostel chain with 4 locations achieving 100% occupancy within two months.
  • Developed a franchise-style expansion model and built revenue streams from brand experiences and hospitality services.
  • Successfully exited via acquisition, demonstrating full-cycle business leadership and investor-grade execution.
  • Introduced customer engagement modules such as treasure hunt based discovery of destinations to increase retention and W-O-M

Co-Founder & Business Lead

Zha Media
01.2014 - 06.2018
  • Launched ad-tech format using chai-cup branding; led B2B outreach, vendor ops, and inventory management.
  • Grew client base through scalable campaigns and partnerships.

Education

B.Tech - Civil Engineering

SRM University
01.2014

Skills

  • End-to-end Product Strategy & Execution
  • Fintech API, Bank Statement Analysis, Categorization
  • LLM agentic flows
  • International Market Launch: UAE, Oman, Egypt,Indonesia
  • GTM & Stakeholder Leadership (Banks, NBFCs)
  • Entrepreneurship & Startup Scalability (0→1→Exit)
  • Tools: JIRA, Figma, SQL, Excel, Postman,
  • AI PRODUCT CERTIFICATION - Prompt engineering ,Horizonatal layering

Websites

Creative problem solving

  • Conducting humour-based marketing materials for adigital wellbeing app to promote adoption with early adopters
  • Boosting overall team productivity through LLMs and sticking to priority deliverables

Accomplishments

  • Received recognition badge from Product director for exceeding expectations for Salary deliverables
  • Got promoted within one year and worked across three different divisions while meeting expectations i.e categorisation ,hyperpersonalisation and Bank statement analysis
  • Succesfully executed a travel business from scratch to exit and sufficient experience with business and marketing prior to fintechs

Certification

  • AI MICRO CERTIFICATION - LLM flows and product approaches

Timeline

Product Manager

Perfios
09.2023 - Current

Research & Product Owner

Go Offline
01.2022 - 08.2023

Co-Founder

Short Giraffe Hostels
07.2018 - 12.2021

Co-Founder & Business Lead

Zha Media
01.2014 - 06.2018

B.Tech - Civil Engineering

SRM University

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Dwaraknath R