Swarnam Sinha
Associate Vice President
Bengaluru
Summary
Dynamic product leader with 9+ years of experience building and scaling digital ecosystems across fintech and education. I thrive on solving complex business problems with innovative, data-driven, and user-friendly solutions. From modernizing financial platforms to driving enterprise-scale integrations, I bring a rare mix of strategic vision, technical curiosity, and cross-functional leadership. Currently pursuing an Executive PGDM in Supply Chain & Operations, aligning my fintech expertise with next-generation enterprise product management.
Overview
10
10
years of professional experience
Work History
Associate Vice President - Operations & Product Strategy
Miles Education
Bengaluru
04.2024 - Current
- Owned Own P&L for lending & affordability solutions (₹5.7Cr+ monthly GMV; 40% YoY growth).
- Partnered with banks and global payment partners to optimize fund transfers, loan disbursement, and reconciliation workflows-directly aligning with supply chain-style complexity in financial flows.
- Defined and implemented data-driven dashboards (Tableau, Power BI) to track payments, refunds, and compliance metrics across multiple geographies.
- Reported directly to CBO, contributing to strategic planning, lending implementations, and business growth initiatives.
- Led cross-functional squads (Finance, Tech, Operations, Partnerships) to design scalable systems that improved transparency and reduced customer escalations by 30%.
- Translated market intelligence into data-driven product strategy, improving approval & disbursement outcomes.
- Piloted AI-enabled forecasting models to predict student loan demand and repayment trends, supporting strategic decision-making.
Senior Manager - Finance & Product Operations
Byju's
Bengaluru
02.2021 - 03.2024
- Directed payment operations & credit P&L for PAN-India, collaborating with 11+ banking partners (HDFC, ICICI, SBI, RBL, etc.).
- Redefined credit risk policies & product flows in compliance with RBI, onboarding 11 new lending partners on revised digital frameworks.
- Conducted competitive analysis & market benchmarking to build differentiated affordability products.
- Partnered with Product & Tech teams to build automated payment reconciliation systems, reducing errors by 35% and improving cash flow predictability.
- Led domestic payment integrations (UPI, cards, netbanking) for fee collections and loan disbursements across millions of transactions.
- Structured risk and compliance policies in alignment with RBI standards, ensuring 100% adherence.
- Designed and implemented category-level GTM strategies with Sales & Marketing, accelerating adoption and increasing merchant/student penetration.
Manager - Product Enablement & Finance Operations
Byju's
Bengaluru
11.2017 - 01.2021
- Established BYJU's first FinTech lending platform, integrating with 9+ global banks (HDFC, ICICI, SBI, RBL) & NBFCs.
- Built end-to-end loan management workflows (LOS/LMS) with digital mandates, achieving 99.8% automation in e-mandates.
- Drove customer journey simplification across loan servicing, reducing manual interventions by 73%.
- Developed proposals and presentations for internal and external audiences.
- Collaborated with cross-functional teams to storyboard customer use-cases and launch seamless digital journeys.
Business Development & Strategy Roles
Byju's
Bengaluru
05.2016 - 10.2017
- Initiated the adoption of the DISNEY BYJU'S learning kit, leading to over 50,000 yearly enrollments. Restructured the foundational elements of K-3 education, enhancing the learning journey with an immersive and enjoyable experience.
Software Developer
42Gears Mobility Systems
Bengaluru
01.2016 - 04.2016
- Developed windows security software for desktop and mobile operating systems.
- Introduced automated diagnostics for sensor data collection and processing.
Education
PGDM (EXECUTIVE) - SUPPLY CHAIN & OPERATIONS MANAGEMENT
INSTITUTE OF MANAGEMENT TECHNOLOGY
01.2025
B. TECH - ELECTRONICS
SIKKIM MANIPAL INSTITUTE OF TECHNOLOGY
01.2015
Skills
- Product & Platform Management
- Data & Analytics
- Emerging Tech
- Supply Chain & Financial Systems
- Leadership & Collaboration
- Governance & Compliance
Websites
Personal Information
Title: Associate Vice President - Operations & Product Strategy
Timeline
Associate Vice President - Operations & Product Strategy
Miles Education
04.2024 - Current
Senior Manager - Finance & Product Operations
Byju's
02.2021 - 03.2024
Manager - Product Enablement & Finance Operations
Byju's
11.2017 - 01.2021
Business Development & Strategy Roles
Byju's
05.2016 - 10.2017
Software Developer
42Gears Mobility Systems
01.2016 - 04.2016
PGDM (EXECUTIVE) - SUPPLY CHAIN & OPERATIONS MANAGEMENT
INSTITUTE OF MANAGEMENT TECHNOLOGY
B. TECH - ELECTRONICS
SIKKIM MANIPAL INSTITUTE OF TECHNOLOGY
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