Joynil Dutta
Summary
Results-driven Digital Lending & Fintech Product Leader with 8+ years of experience in building and scaling lending platforms. Led 0-to-1 platform development, expanded digital distribution channels, and scaled multi-product credit businesses. Designed core lending infrastructure including LOS, LMS, and embedded finance integrations, enhancing automation, risk intelligence, and AI-driven credit operations.
Overview
13
13
years of professional experience
Work History
Vice President Product
TrillionLoans Fintech Pvt. Ltd
07.2025 - Current
- Led product vision and roadmap for lending, credit, and risk platforms, scaling AUM to ₹1,700+ Cr through platform-led growth and expansion of partner ecosystems.
- Enabled portfolio growth across merchant and personal loans via end-use restricted multi-LSP integrations, strengthening credit control mechanisms while delivering ~20% increase in monthly disbursals
- Owned 0→1 build and launch of a Supply Chain Finance platform, enabling anchor-led financing and embedding credit within B2B commerce ecosystems.
- Embedded regulatory and risk frameworks into platform architecture, including RBI digital lending guidelines and KYC/AML, strengthening compliance, audit readiness, and control systems.
- Implemented automated pre-disbursal quality checks and instant bank disbursal flows, expanding straight-through processing and reducing operational costs by ~25%.
- Built an internal knowledge platform leveraging agentic AI RAG architecture, enabling real-time access to product, process, and operational workflows across teams.
Executive Director – AI Consulting
Dailoqa
04.2025 - 07.2025
- Facilitated executive workshops with banking leadership teams to shape AI strategy and align stakeholders for scalable AI deployment
- Drove AI transformation initiatives for financial services clients, enabling adoption of Agentic AI for hyper-personalization and automation
- Designed and prototyped AI solutions for banking use cases including collections optimization and loan origination automation
Senior Product Manager
TrillionLoans Fintech Pvt Ltd
11.2023 - 04.2025
- Led the 0→1 build of a digital lending platform, establishing core infrastructure including LOS, LMS, and a scalable partner integration layer.
- Drove platform-led growth to scale lending AUM to ₹1,100 Cr+ and monthly disbursals to ₹230 Cr+, expanding product capabilities across Business, Personal, and Vehicle Loans and onboarding 5+ distribution partners.
- Built an API-first lending stack to streamline partner integrations, reducing onboarding TAT to ~4 weeks and accelerating go-to-market across LSP ecosystems.
- Led migration of ₹650 Cr+ loan portfolio to a new LMS, strengthening regulatory and financial reporting and enabling a ₹100 Cr+ debt raise within one month.
- Implemented fraud detection and identity theft prevention rules, reducing onboarding fraud by ~15% and strengthening risk controls.
Product Manager II
Tata Digital
Mumbai
10.2021 - 11.2023
- Spearheaded the design, development, and national launch of Tata Pay Later and Personal Loan Marketplace on the Tata Neu Super App
- Scaled the lending marketplace to ₹70 Cr+ monthly disbursals within six months of nationwide launch
- Built the lender allocation and orchestration framework to increase credit sanction rates by 15%
- Expanded the lending ecosystem by integrating 3 new lender partners, increasing monthly disbursals by 1.5X
- Implemented advanced fraud prevention and risk controls, achieving 85% reduction in fraud-related leakage
- Launched referral program and loan top up product, resulting in 4% increase in top of the funnel leads and 8% growth in disbursal
- Enhanced customer experience and product usability, driving 25% increase in CSAT
Senior Product Manager
Mahindra Finance
Mumbai
03.2020 - 10.2021
- Launched employee-assisted lending app for issuance and lifecycle management of Mahindra Finance EMI cards, enhancing user access to credit
- Executed lending pilot in 6 Tier-2 cities, resulting in ₹40 Cr monthly disbursals and expanding market reach
- Facilitated EMI card usage across online and offline merchants via payment gateway integrations
Product Manager I
ICICI Bank
Mumbai
06.2018 - 03.2020
- Established partnerships with 9 consumer durable OEMs for No-Cost EMI financing integrations, broadening financing options
- Optimized financing schemes and pricing structures, reducing subvention income leakage by 33%
- Streamlined reconciliation and billing processes with OEM partners, resulting in 80% on-time income collection
- Scaled Consumer Finance business across 12 cities, enhancing consumer durable financing distribution
Sales Manager
Godrej & Boyce Mfg. Co. Ltd.
Odisha
06.2013 - 07.2015
- Achieved 87% of annual sales target in material handling, contributing to revenue growth through direct institutional and channel sales.
- Awarded for securing the largest service contract by volume in FY14, highlighting excellence in client acquisition and service delivery
Education
MBA - Marketing
IIM
Ranchi03-2018
B.Tech. - Mechanical Engineering
SRM University
Chennai02-2013
Skills
- Product Strategy & Platform Leadership
- Digital Lending & Credit Lifecycle (LOS/LMS)
- Go-To-Market Strategy & revenue expansion
- API-First Architecture & Platform scalability
- Regulatory Compliance
- Data-Driven Product Development & Analytics
Timeline
Vice President Product
TrillionLoans Fintech Pvt. Ltd
07.2025 - Current
Executive Director – AI Consulting
Dailoqa
04.2025 - 07.2025
Senior Product Manager
TrillionLoans Fintech Pvt Ltd
11.2023 - 04.2025
Product Manager II
Tata Digital
10.2021 - 11.2023
Senior Product Manager
Mahindra Finance
03.2020 - 10.2021
Product Manager I
ICICI Bank
06.2018 - 03.2020
Sales Manager
Godrej & Boyce Mfg. Co. Ltd.
06.2013 - 07.2015
MBA - Marketing
IIM
B.Tech. - Mechanical Engineering
SRM University