Operating Archive

Building growth systems
across fintech, consumer, and AI

Over the last decade, I've worked across product, growth, distribution, lifecycle systems, onboarding, underwriting-aligned acquisition, and monetization—helping scale products from zero to millions of users.

100M+

Users Influenced

2.5M+

Cards Acquired

25M+

Credit Checks

₹150 Cr+

Budgets Managed

10+

Years at Scale

2025 – Present

Angel One

Lead Growth — Lending & Investment

Context

Building profitable growth systems for lending and investment businesses.

Focus Areas

Underwriting-aligned acquisitionLifecycle optimizationLead scoring systemsLending growth economicsPortfolio-quality scaling

Key Metrics

  • Scaled lending 5.5x in 7 months
  • Cost-to-revenue: 350% → 200%
  • Built monetary value scoring systems
  • Managed large-scale growth budgets

Systems Built

Underwriting-aligned acquisition funnels

Monetary value scoring and optimization

Portfolio-aware scaling systems

Approval efficiency improvements

In lending, scale without underwriting alignment eventually becomes a liability.

2023 – 2025

Wizely

Head of Product & Business

Context

Rebuilding and relaunching wealth products for a new market.

Focus Areas

Onboarding trust systemsInvestment UX designGTM strategyProduct migrationPayment flows

Key Metrics

  • Rebuilt product from ground up
  • Optimized onboarding conversion
  • Expanded wealth product suite
  • Improved trust metrics significantly

Systems Built

Trust-first onboarding flows

Investment product architecture

Wealth-tech GTM systems

Payment and settlement infrastructure

In financial products, trust is often the product before the product itself.

2021 – 2023

OneCard

Head of Growth

Context

Building India's premium metal credit card brand from zero to scale.

Focus Areas

Acquisition systems designSecured card scalingWeb onboarding optimizationWaitlist gamificationDistribution partnershipsReferral mechanics

Key Metrics

  • 2.5M+ credit card acquisitions
  • Secured card: 0 → 500K+ users
  • ₹120 Cr+ annual growth budget managed
  • ~20% activations from web onboarding
  • 75K+ waitlist signups in 15 days

Systems Built

Multi-channel acquisition funnel

Gamified waitlist with network effects

Web-first onboarding system

Secured card product architecture

Distribution and partnership ecosystem

Referral and organic growth loops

The best fintech growth systems align user incentives, risk systems, and business economics together.

2019 – 2021

OneScore

Growth & Product

Context

Scaled from zero as one of the earliest hires. Building financial awareness products.

Focus Areas

Retention system designReferral loop optimizationSEO & ASO enginesCross-sell systemsHabit-forming mechanicsBehavioral engagement

Key Metrics

  • 40M+ downloads scaled
  • Referral + SEO drove ~30% monthly checks
  • Top rankings across high-volume keywords
  • Significant retention improvements

Systems Built

Retention-focused product loops

SEO and ASO growth engines

Referral mechanics and systems

Cross-sell product integration

Habit-formation architecture

Retention improves when products create clarity and progress for users.

2016 – 2018

Mshup

Co-Founder — Product & Growth

Context

Creator platform built before short-form video explosion. YC finalist.

Focus Areas

Creator ecosystem designOrganic distributionProduct experimentationCommunity buildingNetwork effects

Key Metrics

  • 100K+ installs
  • 2000+ verified creator videos
  • Rapid early traction
  • YC final round selection

Systems Built

Creator platform architecture

Organic growth loops

Community engagement systems

Creator monetization mechanics

Sometimes startups fail not because the vision was wrong—but because timing, capital, and distribution didn't align long enough.

2018 – 2019

FloChat

Product Manager

Context

Conversational commerce platform powering engagement.

Focus Areas

Behavioral notificationsConversational flowsPartnership integrationsEngagement optimizationFunnel design

Key Metrics

  • Partnered with Zomato, Uber, BookMyShow, Ixigo, Groupon
  • Significant funnel optimization
  • Improved engagement metrics
  • Scaled partner integrations

Systems Built

Conversational commerce flows

Behavioral notification systems

Partner integration architecture

Engagement and funnel optimization

Engagement is often a function of timing and contextual relevance.

2017 – 2018

Niki.ai

Growth

Context

Early-stage conversational AI growth experimentation.

Focus Areas

Referral systemsAcquisition channelsPartnership scalingUser growth mechanics

Key Metrics

  • Rapid user acquisition
  • Strong referral performance
  • Multiple partnership channels
  • Scaled from zero

Systems Built

Referral growth systems

Multi-channel acquisition

Partnership ecosystem

Early-stage scaling playbook

Early-stage growth teaches speed. Later-stage growth teaches discipline.

2024 – Present

Vanikya.ai

Founder

Context

AI lab building intelligent systems for businesses and creators.

Focus Areas

Multi-model AI systemsCreative intelligenceInsight generationWorkflow automationAI-native operating systems

Key Metrics

  • Building AI-native from ground up
  • Focus on intelligent workflows
  • Creator and business focus
  • Strategic partnerships

Systems Built

Multi-model AI architecture

Creative intelligence layer

Workflow automation systems

AI-human collaboration frameworks

AI won't replace human judgment—it amplifies it. The future is AI + human intelligence working as integrated units.

Infrastructure

The Growth Operating Stack

Over the last decade, I've architected and operated large-scale growth infrastructure across attribution systems, lifecycle automation, analytics platforms, distribution ecosystems, and experimentation frameworks powering fintech and consumer growth at scale.

Attribution & Measurement

Multi-Channel

Built attribution and measurement infrastructure across millions of users spanning AppsFlyer, Adjust, Branch, Firebase Analytics, and Google Analytics. Expertise in multi-channel measurement, deep linking systems, deferred attribution, fraud prevention, cohort analysis, CAC optimization, lifecycle attribution, and performance measurement at massive scale. Strong understanding of attribution models in multi-touch environments and complex user journeys.

AppsFlyerAdjustBranchFirebase AnalyticsGoogle AnalyticsMulti-touch AttributionDeep LinkingDeferred AttributionFraud PreventionCohort Analysis

Product Analytics & Behavioral Intelligence

Behavioral

Deep expertise in Mixpanel, Amplitude, CleverTap Analytics, Firebase, and internal BI systems. Skilled in retention analysis, funnel diagnostics, cohort behavior mapping, event instrumentation, activation tracking, lifecycle optimization, user segmentation, and monetization analytics. Growth systems are driven by behavioral understanding—this infrastructure layer powers decisions at scale. Strong SQL and data infrastructure knowledge for building internal analytics systems.

MixpanelAmplitudeCleverTap AnalyticsFirebaseSQLRetention AnalysisFunnel DiagnosticsCohort BehaviorEvent InstrumentationActivation TrackingMonetization Analytics

Lifecycle & Engagement Orchestration

Multi-Channel

Extensive experience with CleverTap, MoEngage, WebEngage, Firebase Messaging, and CRM systems. Built lifecycle automation systems spanning push, WhatsApp, email, and in-app messaging. Expert in onboarding journeys, repayment engagement, activation systems, retention mechanics, behavioral messaging, and engagement orchestration. Lifecycle systems become compounding infrastructure when aligned with user intent and product value—this is where retention meets economics.

CleverTapMoEngageWebEngageFirebase MessagingPush NotificationsWhatsAppEmail AutomationIn-App MessagingLifecycle AutomationOnboarding JourneysRetention Mechanics

ASO & SEO Intelligence

Organic Growth

Proficient in AppTweak, Sensor Tower, data.ai, AppFollow, SEMrush, and Ahrefs. Built ASO systems with deep keyword intelligence, category ranking optimization, conversion optimization frameworks, and competitive intelligence. Significant experience with search-driven acquisition and organic distribution as a long-term strategic advantage. Organic distribution compounds when treated as infrastructure, not tactics.

AppTweakSensor Towerdata.aiAppFollowSEMrushAhrefsASO SystemsKeyword IntelligenceCategory RankingsCompetitive IntelligenceSearch Acquisition

Performance & Distribution Ecosystems

Scale

Managed large-scale acquisition across Google Ads, Meta Ads, Apple Search Ads, TikTok Ads, Reddit Ads, Outbrain, Amazon Ads, DV360, and programmatic ecosystems. Deep expertise in CAC optimization, creative testing frameworks, funnel economics, underwriting-aware acquisition strategies, performance scaling, incrementality measurement, and cross-channel optimization. This is not media buying—it's distribution systems tied to business economics, retention, and underwriting alignment. Managed ₹150+ Cr+ annual growth budgets across these channels.

Google AdsMeta AdsApple Search AdsTikTok AdsReddit AdsOutbrainAmazon AdsDV360ProgrammaticCAC OptimizationCreative TestingFunnel EconomicsIncrementalityCross-Channel Optimization

Commerce & Ecosystem Partnerships

Network

Extensive experience architecting and scaling partnership-driven growth with India's largest ecosystems: Amazon, Flipkart, PhonePe, Swiggy, Zomato, Zepto, Blinkit, Moneycontrol, and Paytm. Expert in embedded distribution, contextual acquisition, embedded finance, and ecosystem-led onboarding. Understanding: distribution compounds fastest when products integrate naturally into existing user behavior. These partnerships represent infrastructure, not one-off campaigns.

AmazonFlipkartPhonePeSwiggyZomatoZeptoBlinkitMoneycontrolPaytmEmbedded DistributionContextual AcquisitionEmbedded FinanceEcosystem Integration

Affiliate & Distribution Networks

Scale

Worked with 10+ affiliate and distribution ecosystems managing complex performance partnerships. Built partner quality systems, fraud control infrastructure, payout optimization frameworks, ROI measurement systems, and affiliate lifecycle management. Scaled performance partnerships from 0 to significant revenue contributors. Key insight: performance partnerships work as infrastructure when built with discipline and governance, not when treated as short-term arbitrage.

Affiliate NetworksPartner Quality SystemsFraud ControlPayout OptimizationROI MeasurementPerformance PartnershipsPartner LifecycleAffiliate GovernanceMulti-Network ManagementScale Infrastructure

Experimentation & Optimization Infrastructure

Testing

Built experimentation cultures focused on learning velocity over conversion optimizations. Expert in A/B testing systems, funnel experiments, onboarding optimization, behavioral testing, activation optimization, growth loops, referral systems, pricing experiments, and monetization testing. Worked cross-functionally with product, engineering, risk, analytics, underwriting, and lifecycle teams. The best experimentation cultures optimize learning velocity—this becomes your competitive advantage when embedded into organizational DNA.

A/B TestingFunnel ExperimentsOnboarding OptimizationBehavioral TestingActivation OptimizationGrowth LoopsReferral SystemsPricing ExperimentsMonetization TestingLearning VelocityCross-Functional Testing

AI & Intelligent Workflow Systems

Future

Currently building AI-native operating systems through Vanikya.ai. Expertise in AI-assisted workflows, creative intelligence systems, AI-generated insights, workflow automation, multi-model AI architectures, and operator productivity systems. This represents the evolution from traditional growth stacks into AI-native infrastructure where humans provide strategy and judgment while AI handles execution, optimization, and learning cycles. The next generation of growth infrastructure is built on intelligence layers, not just data plumbing.

AI WorkflowsCreative IntelligenceMulti-Model AIAI InsightsAutomation SystemsOperator ProductivityAI-Native InfrastructureWorkflow AutomationAI + Human IntegrationIntelligent Systems

The operating principle:Growth infrastructure compounds fastest when systems are integrated—when attribution feeds analytics, analytics drive experimentation, experimentation unlock insights, insights inform distribution strategy, and distribution aligns with underwriting and economics. This isn't a collection of tools. It's an integrated operating system for scaling businesses intelligently and sustainably.

Core Operating Principles

Systems Over Metrics

Never optimize single metrics in isolation. Map the entire system, understand feedback loops, identify constraints, then pull the right levers in the right order.

Underwriting Alignment

In fintech, growth divorced from risk becomes a liability. Scale only when acquisition, underwriting, and economics are fundamentally aligned.

Distribution First

Many great products fail because of distribution, not product quality. Understanding how products actually spread is underrated.

Capital Efficiency

Profitable growth at scale beats growth at any cost. Every lever should improve unit economics or enable sustainable momentum.

Let's Build Together

I'm interested in working with founders and teams building for the long term. Whether it's growth strategy, fintech infrastructure, or AI-native systems—let's explore.

Get in Touch →