Saurabh Antapurkar
Mumbai
Summary
Product leader with 11+ years across BFSI, taking products from 0—1 and scaling them 1—100 — spanning merchant & SME lending, retail insurance, broking, payments banks, wallets, UPI and CASA. Currently lead Paytm’s Merchant Cash Advance business on a 12+ lender platform, with deep funnel, KYC and India-Stack expertise. Built and scaled global card and self-service digital-banking journeys across the UK, USA and Hong Kong, with a specialisation in the Indian market across the full BFSI stack. Proven at leading cross-functional teams and multiple PMs, and partnering with lenders, merchants and C-suite.
Overview
14
14
years of professional experience
Work History
Director, Product
One 97 Communications Limited (Paytm)
Mumbai, India
12.2025 - Current
- Own the Merchant Lending charter to provide credit access to merchants across the platform.
- Lead new product thinking, design, implementation, GTM and success-metric tracking for merchant credit products and capabilities.
- Scale existing lender partnerships through joint product planning, new-capability builds and issue resolution.
- Enhance DIY journeys and leverage multiple channels to drive growth and merchant experience.
- Track the business funnel (FTD/MTD, closed/open) to improve overall and stage-wise conversion efficiency.
- Integrated 12+ lenders into a unified LOS/LMS platform to scale MCA disbursal across a fragmented lender base, delivering ~22,000 Cr in FY25-26 AOP.
- Introduced alternate KYC (CKYC+OKYC) and stage-level fixes to arrest funnel leakage, lifting conversion 24%—30% (Primary) and 22%—29% (PayUp).
- Built reusable cross-lender capabilities — mandate/KYC reusability, Re-KYC and DIY QC resubmission — to remove repeated per-lender effort, adopted platform-wide.
- Automated stuck-lead resets across 14 lenders, recovering an estimated 3–5% additional monthly business.
- Built an AI-enabled framework for funnel analytics, PRDs and prototyping, compressing delivery timelines.
- Led strategic initiatives to enhance customer engagement and retention across digital platforms.
Director, Product
Paytm Money
04.2024 - 12.2025
- Rebuilt onboarding and activation funnels to fix low wealth-acquisition conversion, scaling it 3%—12% and reaching 200K+ new users/month.
- Launched an industry-first first-trade-at-onboarding journey to drive early engagement, raising M0 activation 13%—35%.
- Integrated Account Aggregator, credit-bureau decisioning, DigiLocker KYC and UPI-based verification to reduce onboarding friction.
- Automated CKYC/UCC/KRA workflows to cut cost — saving Rs.25 Mn and reducing ops headcount 80%+ — while leading a 20+ member team.
Deputy General Manager, Product
Paytm Payments Bank
09.2023 - 04.2024
- Led KYC and DIY onboarding charter for Wallet and CASA products with multiple PMs, improving risk capture, cost and TAT.
- Enabled Aadhaar-based authentication and chatbot/DIY flows, improving Full and Min KYC funnels 20% and 40% MoM.
- Streamlined Video KYC to cut handling time 4—2.5 min, raising agent throughput from 80 to 200 calls/day.
- Integrated MMI, OCR and Idfy to automate verification, lifting KYC NPS by 70%.
Deputy General Manager, Product
Paytm Insurance Broking
03.2022 - 09.2023
- Built a digital insurance marketplace, launching 15+ products and integrating 60+ plans across 15+ partners.
- Drove UI, USP and EMI-conversion improvements to grow DIY digital sales 30% MoM, owning Rs.750 Mn AOP revenue and Rs.3 Bn premium.
- Designed a reusable global group-insurance journey (standalone + attachment) to enable multi-market scale.
Senior Digital Product Manager, Global Products
HSBC, Pune
Pune, India
03.2020 - 03.2022
- Extended out-of-the-box card solutions from 2 to 10+ markets across 19+ countries to scale a $30 Mn portfolio toward $100 Mn.
- Scaled user-driven self-service and card journeys across the UK, USA and Hong Kong, saving $10 Mn+ in operating cost.
- Launched instalment, credit-limit-increase and balance-transfer products, generating $50 Mn+ in revenue.
- Launched Reset PIN and Virtual Card journeys, lifting e-commerce spends 40% and cutting call-center volume.
Senior Product Manager, Business Credit Cards
ICICI Bank Ltd, Mumbai
Mumbai, India
06.2017 - 03.2020
- Grew the business credit card portfolio 71% YoY (23,876—40,804) and spends 103% YoY to Rs.12,385 Mn through new products and campaigns.
- Built digital instant-issuance with online credit assessment, generating 4,500 card setups/month and Rs.700 Mn annual spends.
- Launched 4 new VISA/AMEX SME products and enabled cross-sell with loans and current accounts to expand the segment.
Software Engineering Analyst
Accenture Services Pvt Ltd, Pune
Pune, India
06.2012 - 06.2015
- Automated payroll business flows across 25 countries using UFT, delivering up to 25% client savings.
Education
PGDM - Indore
Indian Institute of Management (IIM)
Indore, India01-2017
B.E. - Electronics & Telecommunication
Devi Ahilya Vishwavidyalaya
Indore, India01-2012
Skills
- Product Strategy & Roadmap
- Merchant & SME Lending
- Retail Insurance & Broking
- Payments (Wallets, UPI, CASA)
- Cards & Global Banking Products
- Multi-Lender Platforms (LOS/LMS)
- KYC & Digital Onboarding
- India Stack (Aadhaar, UPI, DigiLocker, Account Aggregator)
Timeline
Director, Product
One 97 Communications Limited (Paytm)
12.2025 - Current
Director, Product
Paytm Money
04.2024 - 12.2025
Deputy General Manager, Product
Paytm Payments Bank
09.2023 - 04.2024
Deputy General Manager, Product
Paytm Insurance Broking
03.2022 - 09.2023
Senior Digital Product Manager, Global Products
HSBC, Pune
03.2020 - 03.2022
Senior Product Manager, Business Credit Cards
ICICI Bank Ltd, Mumbai
06.2017 - 03.2020
Software Engineering Analyst
Accenture Services Pvt Ltd, Pune
06.2012 - 06.2015
PGDM - Indore
Indian Institute of Management (IIM)
B.E. - Electronics & Telecommunication
Devi Ahilya Vishwavidyalaya