Suraj Kumar

Revolutionizing Affordable Healthcare in India - A health-tech company dedicated to making quality healthcare accessible to all Indians. As a product leader, I've played a key role in achieving:

• Enhanced Patient & Doctor Experience: Developed features(like service fee visibility and quick payout) that increased user engagement and loyalty and retention.
• Streamlined Operations: Managed product portfolios and roadmaps to improve efficiency across sales, finance, operations, and support functions.
• Digital Doctor Engagement: Launched a new mobile app from the ground up to strengthen relationships with our partner doctors - one app to access all key information.
• 100% Business Growth: Led product initiatives that skyrocketed our business within a year.

Empowering MSMEs with Digital Lending - Played a pivotal role in building 's digital lending platform for the Indian MSME segment. This initiative aimed to improve cash flow for MSMEs through innovative products like invoice financing and flexible credit lines.

• Streamlined MSME Lending Journey: Designed and developed user-friendly onboarding, disbursement, and repayment processes. * Enhanced Onboarding Efficiency: Optimized the digital onboarding journey, significantly reducing turnaround time and boosting conversion rates across all stages.
• Explosive Off- Growth: Successfully grew the Off- Assets Under Management (AUM) by 150% in one year, reaching a milestone of ₹250Cr.
• Supercharged On- Credit Adoption: Increased On- credit penetration by 45%, resulting in an impressive 175,000 credit buyers and a 63% monthly active transacting base.

Revolutionized Retail & MSME Lending at Bank Spearheaded the launch of , a groundbreaking digital lending platform for the Retail and MSME segments. This platform boasts:

• Seamless, Paperless Experience: Facilitated end-to-end digital application for personal loans and credit cards, eliminating paperwork.
• Flexible Onboarding: Catered to diverse customer preferences by offering DIY, Assisted, and Partner-initiated journeys.
• Advanced Digital Features: Integrated digital underwriting, KYC verification, EMI setup, e-signing, and real-time employment checks.
• Instantaneous Approvals: Enabled real-time loan disbursement and credit card issuance for faster access to funds.
• Launched Offline Purchase Finance (BNPL): Partnered with a leading POS provider to offer EMI on debit/credit cards for in-store purchases, increasing product adoption.
• Developed a fully digital journey: Streamlined the loan application process for small business loans (up to ₹20 Lac) for MSMEs.

Driving Growth Through Digital Solutions at Home Credit India Played a key role in developing innovative digital solutions to personalize loan and credit offerings across all channels (online and POS) for both B2C customers and B2B dealers/partners.

• Customer-Centric Design: Analyzed customer needs to conceptualize digital solutions, ensuring a seamless loan and credit application experience.
• Agile Leadership: Led multiple scrum teams in an agile environment to deliver impactful B2C/B2B products on time and within budget.
• Product Champion: Launched the Card (pre-approved credit limit) from scratch, achieving impressive sales of 30,000 EMI cards in just the first 3 months.
• Streamlined Operations: Optimized EMI repayment and disbursement processes for both customers and dealers, leveraging strategic partnerships to ensure cost-effectiveness.
• B2B Growth Engine: Led the development of a lead generation product for Home Credit dealers/partners, boosting lead generation and EMI collection across various lending products.
• End-to-End Ownership: Managed the entire product lifecycle from ideation to launch, collaborating with stakeholders to create product blueprints, business specifications, and user workflows.

Growth Catalyst at Paytm: Leading the Charge in Innovation and Expansion As a Senior Product Manager, I spearheaded a team of 6 PMs at Paytm, driving year-over-year growth and pioneering category expansion. My leadership resulted in:

• Strategic planner: Developed product roadmaps that were tightly aligned with business goals, maximizing revenue, user retention, and achieving exponential platform growth.
• Category Creator: Launched entirely new digital categories from the ground up, including Electricity, Gas, Water, Metro, BFSI, and Fees, diversifying offerings and unlocking new revenue streams.
• Omnichannel Expertise: Ensured seamless end-to-end product experiences across App, Web, and platforms for all launched categories, catering to a wider user base.
• Innovation Engine: Championed the development and launch of impactful features like Recent Suggestions, Convenience Fees, Bill Reminders, and Paytm Automatic, significantly enhancing user experience and engagement.
• Data-Driven Optimization: Implemented product enhancements based on data insights, leading to significant improvements in customer experience, engagement, and conversion rates.
• GMV Champion: Directly contributed to impressive daily GMV of INR 40 Crore through the efficient management of 20+ digital products for recharges and payments.

Travel Tech Leader at Technology - Played a pivotal role in driving mobility solutions for the travel industry at Technology. My key achievements include:

• IGT Mobility COE Champion: Contributed to the IGT Mobility CoE, conceptualizing innovative mobile product and service offerings tailored to the travel domain.
• IndiGo Mobile App Product Owner: Owned the product roadmap and led the development of Mobile app across Android, iPhone and Windows.
• Agile Leadership: Led a team of over 10 designers, developers, and testers to create cutting-edge mobile solutions for the travel sector.
• Bridging the Gap: Translated the IGT Mobility business vision into a clear product, service, and accelerator vision, ensuring alignment.
• Client Success Partner: Performed requirement elicitation, analysis, and business case creation for potential clients, leveraging industry benchmarking and IGT's unique offerings.
• Winning Business: Presented IGT Mobility's capabilities to prospective clients, securing new partnerships and business for the CoE.
• Pre-Sales Powerhouse: Assisted the Pre-Sales team in mobility-related engagements for various travel clients, working on RFPs and RFIs for mobility solutions.

Involved in Mobile Application Development across various platform(/MAC/Android/BREW/XP)

• Lead a team of 3 in managing the Software Development Life Cycle
• Responsible for client engagement and product development activities
• Improved team efficacy by quick learning and knowledge sharing during development on MacOS