Sahil Karunakaran
Mumbai
Summary
Associate Product Manager with extensive experience at Apollo Finvest India Ltd., specializing in product lifecycle management and risk assessment model enhancement. Demonstrated success in launching a personal loan app, resulting in significant loan book growth and reduced NPAs through innovative scoring models. Strong expertise in data analytics and stakeholder collaboration drives effective product strategies.
Overview
5
5
years of professional experience
Work History
Associate Product Manager
Apollo Finvest India Ltd.
01.2023 - Current
- Launched Apollo Cash D2C Personal Loan (Unsecured PL) App, owning end-to-end product lifecycle across onboarding, e-KYC, credit assessment, disbursement, and repayment; scaled loan book to ₹20-30 Cr within 4 months.
- Enhanced Apollo's Loan Management System (LMS) by integrating co-lending workflows, reconciliation automation, and liability-specific validations, cutting scheme mismatches and manual interventions by 90%.
- Developed risk-based scoring models combining bureau data with alternate data (SMS patterns, installed apps, transactional & behavioral insights) to evaluate repayment intent; drove a ~18% reduction in NPAs YoY.
- Built and deployed Senti - a Collections Analytics Suite, enabling NBFCs and fintech partners to analyze borrower sentiment, call compliance, and tone; boosted collection efficiency while ensuring compliance with RBI's digital lending guidelines.
- Strengthened fraud prevention and underwriting through validation layers (address/IP verification, duplicate borrower checks, automated allocations), reducing fraudulent disbursals by 25%.
- Automated portfolio dashboards covering disbursements, DPD buckets, and collection efficiency, eliminating manual reporting and enabling real-time management visibility.
Credit & Risk Associate
Apollo Finvest India Ltd.
09.2022 - 12.2022
- Managed a ₹20-30 Cr unsecured lending portfolio, monitoring risk metrics and repayment patterns.
- Collaborated with product and credit teams to identify gaps in underwriting models, which later informed Apollo's risk-based scoring enhancements.
- Conducted portfolio stress testing and risk analysis to align with evolving NBFC compliance and reporting requirements.
Customer Success Associate
Groww
01.2021 - 01.2022
- Delivered support for retail investors across mutual funds and stock broking products, maintaining 90%+ customer satisfaction scores.
- Partnered with product teams to provide feedback on app features and onboarding journeys, improving first-time user activation.
- Handled escalations related to KYC, transactions, and payouts, ensuring smooth compliance with SEBI & regulatory processes.
Education
Bachelor of Financial Markets -
S.I.E.S. College of Commerce & Economics
Mumbai04-2022
Commerce - Financial Analysis
Model College
Mumbai05-2019
Skills
- Product Management: Roadmap ownership, lifecycle oversight, feature design
- Risk & Analytics: Credit scoring, alternate data underwriting (SMS, apps, transactions), portfolio monitoring
- Fraud & Compliance: Fraud prevention, KYC automation, RBI digital lending compliance
- Collections & Lending: Co-lending strategies, collection systems, unsecured PL expertise
- Partnerships: Stakeholder collaboration, NBFC/LSP integrations, customer relationship management
- Technical: API design & integration, dashboards, AI/ML use cases in lending workflows
Timeline
Associate Product Manager
Apollo Finvest India Ltd.
01.2023 - Current
Credit & Risk Associate
Apollo Finvest India Ltd.
09.2022 - 12.2022
Customer Success Associate
Groww
01.2021 - 01.2022
Bachelor of Financial Markets -
S.I.E.S. College of Commerce & Economics
Commerce - Financial Analysis
Model College
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