FinTech Ecosystem & Trends
Kajal Mangal
Associate Product Manager
Andheri East
Summary
Results-driven Associate Product Manager with experience in the fintech domain, specializing in end-to-end development and scaling of mutual fund platforms. Proven track record in delivering high-impact, user-centric digital solutions by integrating business strategy with technical execution. Adept in Agile/Scrum methodologies, SDLC, and cross-functional leadership across product, engineering, design, QA, and operations. Strong understanding of capital markets, SEBI regulations, mutual fund operations, and digital KYC processes. Proactive and goal-oriented professional with excellent time management and problem-solving skills.
Overview
6
6
years of professional experience
3
3
Languages
Work History
Associate Product Manager
Torus Digital Pvt Ltd, Mumbai
04.2025 - Current
- Designed and implemented a comprehensive product strategy for B2C mutual fund investment platform.
- Delivered Mutual Fund product MVP (v1) in 9 months and scaled to v2, incorporating advanced features like SIP step-up, NON FOT order integration, portfolio insights, and rebalancing, along with updated versioning of UI/UX designs to enhance overall user experience.
- Defined and documented BRDs, FRDs, use cases, and user stories with clear acceptance criteria to ensure smooth product execution.
- Collaborated with UI/UX teams to create intuitive flows and wireframes, enhancing product usability and retention.
- Coordinated with engineering, QA, operations, and compliance teams to deliver on-time releases with minimal iteration cycles.
- Leveraged Mixpanel for data analytics and defined KPIs (AUM, conversions, drop-offs) to track feature impact.
- Enhanced order placement and KYC workflows based on direct user feedback, resulting in 25% MoM improvement in successful order status.
- Partnered with backend developers to improve performance through pagination, sorting, and query optimizations.
- Drove Agile ceremonies (sprint planning, reviews, retrospectives) and maintained a prioritized product backlog in JIRA.
- Mentored Business Analysts, helping them understand the product, complete SDLC lifecycle, and all product-related workflows to drive high-impact outcomes.
Business Analyst
Torus Digital Pvt Ltd, Mumbai
07.2023 - 03.2025
- Gathered and analyzed business requirements from stakeholders through interviews, workshops, and document reviews.
- Created and maintained comprehensive BRDs, FRDs, use cases, and user stories with acceptance criteria.
- Worked closely with QA team to design and review functional, regression, and UAT test cases.
- Coordinated with engineering, QA, operations, and compliance teams to deliver on-time releases with minimal iteration cycles.
- Ensured 100% SEBI compliance and audit-readiness through close collaboration with legal and risk teams.
- Conducted wireframing and process mapping to visualize and validate product requirements.
- Acted as a liaison between business users and development teams during testing cycles & complete SDLC.
- Delivered 98%+ integration accuracy with BSE Star MF and RTA APIs through structured UAT and regression cycles.
Data Science Consultant
Rubixe
07.2022 - 02.2023
- Fulfilled all data science duties for a high-end capital firm. Created data visualization graphics, translating complex data sets into comprehensive visual representations.
- Created a model to predict fraudulent transactions for a financial company by using a Supervised ML algorithm. Also provided preventive measures to avoid fraudulent transactions. Achieved approx. 10% improvement in the overall fraud detection rate compared to the previous system.
- Reduced false positives by 12%, resulting in cost savings and improved customer experience.
- Presented project findings and recommendations to executive stakeholders, influencing decision-making and future investments in fraud prevention technologies.
- Identified, analyzed, and interpreted trends in complex data sets using supervised and unsupervised learning.
Process Associate
Tata Consultancy Services
07.2019 - 05.2022
- Provided data reporting functions to the business and technical community using SQL querying to enable the team to gain insight into various parts of the business.
- Partnered with business and technical teams to build insightful analytical solutions.
- Prepared comprehensive reports and presentations for executive stakeholders, summarizing key performance metrics and proposing strategic.
Education
12th -
Bhalerao Highschool, Saoner
Saoner, India 01.2014 - 01.2016
Bsc -
Govt. Institute of Science
01.2016 - 01.2019
Master of Science - Physics
Govt. Institute Of Science, Nagpur
Nagpur, India 04.2001 -
Skills
Agile Methodology & SDLC (end-to-end product development)
Requirement Elicitation(Questionnaires & Surveys)
Requirement Prioritization (MOSCOW,RICE Scoring)
Documenting BRD,FRD,Wireframes/Mockups & Use Cases
Requirement Traceability Matrix & Change Request Document
JIRA, User stories &Process Flow Diagram
API Documentation, API Testing (Postman)
Product data Analytics (Power BI, Advanced Excel)
Python
Data analysis using MySQL
Product Management
Agile/Scrum Frameworks
Mutual Fund Operations(Documenting SOPs)
Proficient in BSE Star MF platform and RTA integrations
Mixpanel & Looker(For Product Analytics)
JIRA for Agile Tracking
Figma for Wireframes Prototyping & UI Design, Confluence
Stakeholder Management
Product Backlog Management
Competitive analysis
Functional UAT, Regression, Sanity Testing
Presentation
Problem Solving, Analytical thinking
Strong communications
Customer feedback analysis
Product launch execution
Accomplishments
• Spearheaded 0 → 1 product launch of mutual fund platform within first 9 months.
• Rolled out advanced investment features including SIP step-up, NON FOT order integration, portfolio insights, and rebalancing in v2,led to 20% increase in active users.
• Improved Order& mandate registration flow based on usability testing, reducing drop-off by 30%.
• Delivered 98%+ integration accuracy with BSE Star MF and RTA APIs through structured UAT and regression cycles.
Interests
Mentoring
Travel & Hiking
Seeking opportunities where I can contribute my skills and expertise to make a positive impact on societies and communities
Timeline
Associate Product Manager
Torus Digital Pvt Ltd, Mumbai
04.2025 - Current
Business Analyst
Torus Digital Pvt Ltd, Mumbai
07.2023 - 03.2025
Data Science Consultant
Rubixe
07.2022 - 02.2023
Process Associate
Tata Consultancy Services
07.2019 - 05.2022
Bsc -
Govt. Institute of Science
01.2016 - 01.2019
12th -
Bhalerao Highschool, Saoner
01.2014 - 01.2016
Master of Science - Physics
Govt. Institute Of Science, Nagpur
04.2001 -