Vihang Sharma

Before and after

Most of my work ends up as a number that moved. A few of them:

1. Loan sanction hit rateFinBox, top-of-funnel redesign

   ~50%→~65%

2. Time to integrate a new lenderFinBox, no-code integration platform

   6 weeks→3 days

3. Borrowers who pick an offerPaisabazaar, loan quote page redesign

   59%→73%

4. Premium customer conversionPaisabazaar, deep-learning lead scoring

   4.8%→7.7%

5. Mobile page loadGodrej Capital, site performance work

   3.5s→2.35s

Bars show the new value; the tick marks where it started. Each is scaled to the larger of the two.

What I do

Journeys that convert

I redesign the path from first visit to disbursal: fewer steps, clearer offers, less drop-off at KYC and mandates. At Paisabazaar, collapsing the loan journey into two steps lifted visit-to-lead by 45%.

Platforms partners plug into

API integrations, modular journey components and parallel onboarding, so adding a lender or LSP is configuration rather than a project. That work has taken 10+ partners live and brought integration time down from weeks to days.

Decisions backed by data

I came up through analytics, so I instrument first: GA4 and Clarity for behaviour, A/B testing and feature flags for change, and ML scoring models where rules stop scaling.

Teams that ship

I've led a 22-person team of PMs, analysts, designers and engineers and mentored a 10-person analytics team. I write the PRDs, run the scrums, and stay in UAT until launch.

Build log

I came up through analytics and engineering, then moved into product — this is me closing the gap back the other way: a structured run through the tools and AI fundamentals I didn't need day-to-day until recently. Each phase ships something real, not a certificate.

1. 01

   Core technical fluency + system design

   Postman, Chrome DevTools, SQL, Git/GitHub, reading architecture diagrams, technical PRDs, Docker, CI/CD basics

   Upcoming
2. 01.5

   Front-end basics

   HTML, CSS, JS — learned by building this site

   Upcoming
3. 02

   AI-assisted prototyping & backend

   Lovable, Figma, Supabase, Cursor / Claude Code

   Upcoming
4. 03

   Python for PMs

   Python, pandas, requests, FastAPI

   Upcoming
5. 04

   Product analytics & growth

   GA4 (GAIQ), MS Clarity, Amplitude/Mixpanel, experimentation design, marketplace and growth metrics

   Upcoming
6. 05

   AI / GenAI foundations

   Prompt engineering, Hugging Face, RAG with a vector DB, evaluation frameworks, classical ML/stats literacy, responsible AI

   Upcoming
7. 06

   Agentic AI

   n8n, LangChain/LangGraph, a tool-calling agent, MCP, safety and guardrail design

   Upcoming
8. 07

   Design & trust thinking

   UX research methods, trust & safety and content-moderation product thinking

   Upcoming

Updated as each phase ships. Finished projects move to a Work section once there's enough to show.

Experience

6 years 2 months in industry across four companies, plus two years at business school.

1. 20 Apr 2026 to present5 months

   Product Lead, AI Journey Platform

   FinBox, Bengaluru

   I lead FinBox's AI Journey Platform: the lending journeys and partner onboarding that lenders and lending service providers run on.

   • Built compliant lending workflows for partners, tripling monthly disbursals to ₹120 Cr.
   • Designed modular journey components and repeatable onboarding logic, making new lender rollouts 2–3x faster.
   • Reworked top-of-funnel flows, raising sanction hit rates from ~50% to ~65%.
   • Cut drop-offs by ~10% across the mandate, video KYC and onboarding stages.
   • Moved integrations onto a no-code platform and standardised delivery quality, taking turnaround from 6 weeks to 3 days.
   • Introduced parallel, modular partner onboarding, speeding up activation 2–3x.

2. 12 Jun 2024 to 17 Apr 20261 year 10 months

   Product Lead, Platform & Marketplace

   Paisabazaar, Gurugram

   Back at Paisabazaar, this time owning the loan journeys end to end across web and app, with a team of 22: six PMs, APMs and analysts, three designers and thirteen engineers.

   • Overhauled the personal and business loan journey into a two-step flow, growing leads by 45% and funnel conversion by 31%.
   • Took 10+ lending partners live through API integrations, adding ₹40 Cr a month in unassisted disbursals.
   • Redesigned the loan quote page from customer interviews and surveys, lifting offer selection from 59% to 73%.
   • Set up A/B testing and feature-flag frameworks for parallel experiments, adding 15–20% to visit-to-application.
   • Designed ML risk-scoring models using bureau, GST, UAN, SMS and Account Aggregator data, improving loan qualification and approval by ~21%.
   • Moved Android and iOS journeys to web views for faster releases, and built config-driven microservices that cut rollout time by 30%.
   • Rolled out Microsoft Clarity across web and app for session-level insight, saving ₹1.25 Cr+ a year in tooling.
   • Ran a multi-channel re-engagement programme reaching 1.5 million customers a month.

3. 12 Jun 2023 to 7 Jun 20241 year

   Product Manager, Digital Customer Experience

   Godrej Capital, Mumbai

   I owned digital customer experience across Godrej Capital's web platforms, and signed off on data, analytics and SEO for every digital launch in the organisation.

   • Connected Google and Meta Ads, Google Analytics and LeadSquared data to fix attribution, cutting customer acquisition cost by ~48%.
   • Rebuilt technical SEO, growing organic traffic and conversions by ~89% within two months.
   • Brought mobile load time from 3.5s to 2.35s and desktop from 2.7s to 1.9s.
   • Documented and redesigned operations processes, raising first-time-right rates by 38%.

4. Jul 2021 to Mar 2023

   PGDM, Information Management & Marketing

   MDI Gurgaon

   Two years of business school after my first stint at Paisabazaar. I sat on the corporate relations and placement committee, running a presentation week with 400+ companies, and reached the national finals of the Reckitt Global Challenge.

   • Summer internship, Godrej Capital (Apr–Jun 2022). Through the Gurukul programme: cut site load time from 10.1s to 1.7s on mobile and 7.4s to 0.6s on desktop, set up A/B testing on Adobe Target, and caught a platform mis-implementation worth ₹73 lakh. It ended in a pre-placement offer.

5. 3 Apr 2019 to 31 May 20212 years 2 months

   Product Manager, Analytics

   Paisabazaar, Gurugram

   Where I learned lending from the data up: credit-risk programmes, lead scoring and the segmentation behind every campaign.

   • Built real-time deep-learning lead scoring models that lifted premium customer conversion by 60%, from 4.8% to 7.7%.
   • Scaled pre-approved loan programmes and launched new verticals, generating ₹14 Bn+ in incremental revenue.
   • Cut operations costs by 25% and marketing costs by 15% through tighter segmentation and targeting.
   • Wrote lending-industry health and recovery reports for NITI Aayog during the pandemic.
   • Managed and mentored a 10-person analytics team.

6. 2 Jul 2018 to 2 Apr 20199 months

   Software Developer

   Wipro, Bengaluru

   My first job: building enterprise applications on SharePoint, .NET and C#, and wiring analytics into client websites.

   • Designed a permission pseudo-querying approach to access control that cut application load time by 40%.
   • Integrated Google Analytics and CleverTap on a client site and turned the data into behaviour insights.
   • Won Wipro's Trailblazer Award two quarters in a row.

Work with me

Full-time

Product lead or senior PM roles in fintech, lending, marketplaces or B2B platforms, ideally where the product sits between customers and partners.

Freelance

Scoped pieces of work: a funnel audit, a GA4 and Clarity setup you can trust, an experimentation framework, or PRDs for a feature your team needs to ship.

Consulting

Lending product strategy: partner and LSP integration models, regulated journey design around KYC and mandates, and marketplace offer logic.

Toolkit

Product practice

Roadmaps, PRDs, UAT, Agile/Scrum, A/B testing, feature flags, user research, JIRA

Analytics

Google Analytics 4, Microsoft Clarity, Adobe Analytics, Adobe Target, CleverTap, Looker Studio, Tableau, Power BI, Semrush

Data & engineering

SQL (MySQL, Hive), Python, R, ML scoring models, APIs, microservices, web views

Lending domain

Loan marketplaces, LSP and lender integration, BRE and risk models, credit bureau, Account Aggregator, video KYC, e-mandates

Education and recognition

• PGDM, Information Management & Marketing, MDI Gurgaon 2021–2023
• B.Tech, Computer Science & Engineering, USICT, GGSIP University, Delhi 2014–2018
• National Finalist, Reckitt Global Challenge 2022
• Campus Runner-up, ITC Interrobang Season 12 2022
• Trailblazer Award, Wipro, two consecutive quarters 2018–2019
• All India Rank 486, JEE Advanced, out of 1.5 lakh+ candidates 2013