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
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
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
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
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
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
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
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
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-ChannelBuilt 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.
Product Analytics & Behavioral Intelligence
BehavioralDeep 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.
Lifecycle & Engagement Orchestration
Multi-ChannelExtensive 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.
ASO & SEO Intelligence
Organic GrowthProficient 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.
Performance & Distribution Ecosystems
ScaleManaged 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.
Commerce & Ecosystem Partnerships
NetworkExtensive 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.
Affiliate & Distribution Networks
ScaleWorked 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.
Experimentation & Optimization Infrastructure
TestingBuilt 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.
AI & Intelligent Workflow Systems
FutureCurrently 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.
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 →