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Aman Kumar Yadav

ProductStrategist,Insight to Scalable Impact.

OPEN TO PRODUCT & ADVISORY ROLES

3+ years in digital credit at Angel One and LiquiLoans,
turning constraints into products that move key metrics.

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CurrentlyAngel One
Based inMumbai, IN
Availability14 Sep 2026
FocusOpen to product roles across industries
JobServing notice
End-to-end product ownership across strategy, growth and GTM.

Turning customer and business needs into focused roadmaps, shipped products and measurable growth.

Roles
Senior PM · Lead PM
Focus
FinTech · Growth · GTM
Location
Mumbai · Bengaluru · Gurugram
Consulting
Market-led product, pricing, growth and GTM strategy.

Turning market opportunities into focused strategy and practical execution roadmaps.

Product
Strategy · Customer insight
Growth
GTM · Pricing · UX
Execution
Roadmaps · Budgeting
01

Outcomes

550+ Cr
Portfolio scaled
Angel OneAngel One
Scaling B2B2C digital credit products
Owned roadmap, PRDs and GTM — scaled the portfolio to a 550+ Cr book with a 62+ Cr monthly run-rate.
Problem
Angel One had a large customer and partner base, but lending needed a scalable product-led model across Personal Loans, LAMF and assisted distribution.
What I built
  • 0→1 digital credit roadmap across PL and LAMF — lead gen, eligibility, KYC, agreement, mandate, disbursal.
  • Partner-assisted lending journeys for B2B2C distribution, plus lifecycle campaigns across WhatsApp, email and push.
  • Executive dashboards in Databricks, Tableau and Power BI for trigger-based alerts and trend intelligence.
Impact
  • Scaled the portfolio to 550+ Cr cumulative disbursals, 62+ Cr monthly run-rate.
  • Improved lead-to-disbursal conversion from 0.89% to 1.3%.
+
21+ Cr
Credit line unlocked
Angel OneAngel One
LAMF secured credit — 0→1 to MVP
TSP selection, lender infra-architecture and NIM/ROE-backed pricing from zero.
Problem
Customers holding mutual funds often need liquidity without redeeming their investments — the journey had to be compliant, scalable, and fast to launch.
What I built
  • Registration-to-disbursal journey: MF portfolio fetch, LTV-based credit line, pledge/lien, CKYC/VKYC, agreement, KFS, mandate.
  • MVP scope and pricing model using NIM, ROE and break-even simulations.
Key trade-off
Recommended a single-lender MVP over multi-lender architecture — faster go-live, simpler QA, extensible for future expansion.
Impact
  • Drove 16+ Cr disbursals, enabled a 21+ Cr credit line.
  • Cut journey completion time by 67%; registration conversion up 2.39% → 3.25%.
+
8x
Partner activation
Angel OneAngel One
Partner activation & payout governance
SSO, referral attribution, enablement and commission governance across the channel partner network.
Problem
Partner-led distribution needed lower friction, clear attribution, and as it scaled — accurate, auditable commission payouts.
What I built
  • SSO-based access, direct-login redirection and token validation from partner platform to lending portal.
  • UTM-based referral attribution, partner enablement playbooks and operating workflows.
  • Commission/payout governance framework — eligibility logic, reconciliation, exception handling, MIS.
Impact
  • Scaled active partners ~8x, 241 → 2.5K, across 5.6K+ empaneled partners.
  • Strengthened payout accuracy, auditability and settlement controls.
+
1.5%
Cohort conversion
Angel OneAngel One
PL funnel growth via cohorts
CleverTap journeys and Firebase cohort experiments to fix conversion leakage.
Problem
The PL funnel was leaking conversion, and generic blast communication wasn't moving users downstream.
What I built
  • Funnel-stage segmentation (lead, offer, KYC, mandate, disbursal) by app activity, intent, geography, income, profession.
  • CleverTap journeys across WhatsApp, email, push; Firebase experiments testing market vs. post-market timing.
Impact
  • App-active cohort converted at 1.5% vs 0.6% inactive; post-market messaging drove ~15% higher CTR.
  • Lead-to-disbursal conversion improved 0.89% → 1.3% — shifted strategy from blasts to cohort-led lifecycle.
+
133%
Disbursal uplift
LiquiLoansLiquiLoans
Propensity-led behavioral segmentation
Moved targeting from generic blasts to propensity-based prioritization.
Problem
Generic user targeting was capping conversion quality and overall disbursal output.
What I built
  • Behavioral segmentation and propensity-based targeting, backed by A/B-tested funnel diagnostics.
Impact
  • Drove a 133% uplift in disbursals and 13.5% higher activation rate.
+
−85%
Operational TAT
LiquiLoansLiquiLoans
BRE automation & journey re-engineering
Rule-based routing and workflow redesign to cut manual effort and processing time.
Problem
Post-approval credit operations were heavily manual, and the digital credit journey had bottlenecks limiting scale.
What I built
  • Authored PRDs and API requirements for post-approval BRE automation and rule-based queue routing.
  • Re-engineered the digital credit journey — bottleneck removal and stage-wise process redesign.
Impact
  • Cut manual effort by 73% and operational TAT by ~85%.
+
~4%
IRR impact identified
LiquiLoansLiquiLoans
EMI cash-flow logic correction
Found repayment-calculation gaps and drove corrective rules with Engineering and QA.
Problem
EMI cash-flow calculations contained logic gaps that could distort portfolio economics.
What I built
  • Diagnosed the calculation flow and mapped edge cases across repayment scenarios.
  • Translated findings into corrective business rules and validation requirements with Engineering and QA.
Impact
  • Identified exposure affecting ~4% IRR and strengthened calculation reliability.
+
02

Case Studies

1
Angel One · B2B2C credit
Scaled a digital credit portfolio from product model to operating system.

Built the roadmap, assisted journeys, partner flows, lifecycle triggers and reporting layer needed to move lending from isolated launches to a repeatable product engine.

Primary outcome550+ Cr scaled

What I owned

  • Roadmap, PRDs, release sequencing and GTM across Personal Loans, LAMF and assisted distribution.
  • Funnel-stage segmentation, lifecycle nudges and executive dashboards for trend visibility.
2
Angel One · LAMF secured credit
Took loan against mutual funds from zero to MVP.

Structured the secured-credit journey around mutual fund portfolio fetch, LTV-based line creation, pledge/lien, CKYC/VKYC, agreement, KFS, mandate and disbursal.

Primary outcome16+ Cr disbursed

What I owned

  • TSP selection, lender architecture, MVP scope, eligibility logic and NIM/ROE-backed pricing model.
  • Journey simplification with prefill and progressive validation to reduce user drop-off.
3
LiquiLoans · growth and automation
Moved lending operations from manual effort to rule-led scale.

Combined behavioral segmentation, funnel diagnosis, PRDs and API requirements to improve targeting quality and remove post-approval operational bottlenecks.

Primary outcome+133% disbursals

What I owned

  • Propensity-based cohorts, A/B-tested activation strategy and journey-level funnel diagnostics.
  • BRE automation requirements, rule-based queue routing and process redesign for credit operations.
03

Experience

Angel One
Lead — Product Strategy
Angel One Limited
May 25 — Present Mumbai, Maharashtra
0→1 B2B2C digital credit · secured credit MVP · partner activation · GTM
  • Built 0→1 B2B2C digital credit products — roadmap, PRDs, prioritization, rollout and GTM — scaling the portfolio to 550+ Cr and 62+ Cr monthly run-rate.
  • Steered a secured credit product from discovery to MVP — TSP selection, lender infra-architecture, NIM/ROE-backed pricing — driving 16+ Cr disbursals and 21+ Cr credit line.
  • Reduced LAMF journey completion time by 67% through data prefill and progressive validation — lifting registration conversion from 2.39% to 3.25%.
  • Improved PL TOFU conversion via Firebase cohort experiments and CleverTap WhatsApp triggers — 1.5% conversion in app-active users, ~15% higher post-market CTR.
  • Shipped SSO and referral attribution, scaling partner activation ~8x (241→2.5K) across 5.6K+ channel partners.
  • Built executive dashboards in Databricks, Tableau and Power BI for funnel health and unit economics.
LiquiLoans
Manager — Product Strategy
LiquiLoans (NDX P2P Private Limited)
May 23 — Jan 25 Mumbai, Maharashtra
Propensity models · BRE automation · credit reliability
  • Spearheaded propensity models and behavioural segmentation with A/B-tested funnel diagnostics — 133% uplift in disbursals, 13.5% higher activation.
  • Re-engineered the digital credit journey — workflow redesign and bottleneck removal — cut operational TAT by ~85%.
  • Authored PRDs and API requirements for post-approval BRE automation — rule-based queue routing cut manual effort by 73%.
  • Uncovered EMI cash-flow logic gaps impacting ~4% IRR and drove corrective calculation rules with Engineering and QA.
04

References

Endorsement01

He has exceptional skills in Digital Marketing and mastered the strategies of marketing a brand. He is a wonderful team player.

Endorsement02

Incredibly meticulous. His due diligence, crisp communication and discerning ability would make him a true asset for any business.

Endorsement03

His enthusiasm and dedication to content development and SEO are unparalleled. Aman would be a valuable asset to any company he joins.

Endorsement04

Aman is wonderful to work with, reliable, and a great team player with exceptional expertise in content writing.

05

Operating Model

CadenceScrum

Two-week sprints. Goal set at planning, blockers surfaced daily, increment demoed and one process change committed at retro. Fixed dates mean leadership always knows what lands when.

FlowKanban
Backlog
Collections journey
Risk policy v3
Discovery3
LAMF pricing model
Propensity scoring
Build4
Partner SSO
Payout governance
Review2
Referral attribution
Shipped
Digital KYC flow
Lender waterfall

WIP limits keep the board honest — nothing new starts until something ships.

Product Strategy96%

Roadmaps, prioritization, pricing logic, PRDs and tradeoff calls.

0→1 Execution90%

Discovery to MVP launch across lending, partner flows and internal tooling.

GTM & Growth88%

Cohorts, lifecycle journeys, funnel experiments and partner activation.

Data & Analytics85%

SQL, Tableau, funnel health, unit economics and executive dashboards.

Stakeholder Management82%

Engineering, lenders, operations, analytics and leadership alignment.

06

Tools & Workflow

Delivery
Analytics
AI
Research

Compress messy notes, references and market scans into structured signal.

Drafting

First-pass PRDs, lifecycle copy and stakeholder pre-reads, tightened by hand.

Exploration

Pressure-test options and edge cases before committing to a direction.

07

Education

MBA — General Management
Welingkar Institute of Management
Activities: SIH '22 (We4Tech) | Global Citizen Leadership
Sep 21 — May 23Mumbai, Maharashtra
Master's Degree — Political Science
Indira Gandhi National Open University
Activities: International Relations | Sustainable Development
May 18 — May 20New Delhi, Delhi
Bachelor of Arts (Honours) — Journalism
Maharaja Agrasen College
Activities: Data Journalism Workshop | Tasveeur '16 | Yatharth '17
Aug 15 — May 18New Delhi, Delhi
08

Credentials

Awards04
CMD Club Award FY26
Angel One
For architecting the B2B2C credit operating model.
League of Future Makers
Angel One
Recognition for high-impact strategic initiatives.
Intraday Equity Trading Winner
BSE Institute · Confero 8.0, IMI Kolkata
First place at the annual cultural fest's live-market trading contest.
Sports-Shark Winner
Sports Committee · IIM Lucknow
First place in the national marketing case-study competition.
Certifications04
AI Product Manager Jun 2026
Airtribe
Applied AI for product teams — evals, prompt systems and AI-native workflows.
Product Management Professional
Aha!
Roadmapping, prioritisation frameworks and release planning.
Product-Led Growth Micro-cert
Product School
Self-serve funnels, activation loops and expansion metrics.
Bloomberg Market Concepts Mar 2022
Bloomberg
Economic indicators, currencies, fixed income and equities on the Terminal.
09

Frequently Asked Questions

Product strategy, growth PM, lending PM and lifecycle-heavy roles — anywhere the job sits between user journeys, business logic and execution.
Fintech is the deepest muscle, but the transferable core — funnel diagnosis, lifecycle design, cross-functional execution — carries to any product with real complexity.
Force multiplier, not autopilot — research synthesis and first drafts move faster, but priorities and final calls stay mine.
Days 0–30: diagnose the core metric, journey map and real constraint. Days 30–60: ship a first fix and instrument it. Days 60–90: scale what works, kill what doesn't.
Serving a 90-day notice — available to join from 14 September 2026.
10
Contact
Fastest way to reach me