Raj Kumar Ash
Strategic product leader with 10+ years driving AI-first, cloud-native SaaS platforms across Fintech, B2B SaaS, E-commerce & Enterprise IT. Currently leading a 25-member global product org building multi-tenant lending infrastructure for banks & NBFCs across India, GCC & the US.
Delivered measurable outcomes: loan TAT reduced from 7–10 days to <24 hours, approval rates improved 20–25%, NPAs reduced 15–20%. IIM Ahmedabad MBA. Open to Head of Product · VP Product · CPO roles in INDIA, UAE & the US.
Experience
Head of Product
Biz2Credit-Biz2X
Noida, India
AI-first, multi-tenant SaaS/PaaS lending platform for banks & NBFCs across India, GCC & the US
- Leading 25-member product across full lending stack — CRM, LOS, LMS, Portfolio Monitoring, Collections, Digital Site Visit & AI Chatbot
- Launched 10+ loan products — Supply Chain Finance, LAP, Vehicle Loans, Working Capital, Line of Credit & Business Credit Cards
- Deployed agentic AI & LLM interfaces (chatbots & AI Scores), chatbot resolves 60–70% queries; alternate scoring lifted approvals by 20–25%
- Launched Lending first CRM, enabling customer 360* view with AI based cross-selling & upselling improving lead to application by 25%
- Built predictive collections engine, improved collection efficiency 25–30% & reduced NPAs 15–20% via early warning triggers
- Led cross-border rollouts across UAE, India & US covering Shariah-compliant financing, SBA-aligned programs & multi-currency operations
Director of Product
Arthmate
Gurgaon, India
Cloud-based SaaS lending technology platform for banks, NBFCs & Fintechs — India market
- Built SaaS LOS (Loan origination system) & LMS (Loan Management system), handling credit disbursements of USD 5Mn/qtr.
- Led API integrations with payment providers enabling fast onboarding of borrowers and businesses across markets
- Launched Auto Loan, Supply Chain Finance, LAP & Housing Finance products; enabling end-to-end API integrations with financial institutions
- Managed insurance product suite for Auto & Personal loans — insurer integrations driving 20% growth in policy sales
Sr. Product Manager
ODICEA Technologies (1K Kirana)
Gurgaon, India
B2B & E-commerce retail aggregation platform for non-urban markets
- Built ML-powered recommendation engine increasing retailer sales by 12%; launched checkout sorting logic boosting AOV by INR 200
- Led development of POS, Retailer application & Consumer e-commerce app, scaled it to 1500 partners and 2 Lakh MAU of app
- Cohort analysis & loyalty leakage prevention drove USD 500K revenue uplift; led GTM across 1,500+ partners
Sr. Product Manager
SCA Technologies
Gurgaon, India
SaaS supply chain solutions for food & manufacturing industry
- Led SaaS supply chain module driving 3–4% logistics cost savings; automated demand forecasting to 95% accuracy via ML optimization
- Build What-If Analysis, reducing decision cost by predicting multiple scenarios, better insights with continuous planning & forecasting
- Conducted Market research, customer satisfaction index creation and feedback improvement tracking for Supply Chain products
Asst. Vice President – Product
FinIQ Consulting India Pvt Ltd
Pune, India
Capital markets technology for wealth management professionals across 25 countries
- Led UCP & EQ Connect platform for best-price execution with global market makers serving 60+ institutions across 30+ countries
- Delivered FX derivatives & multi-asset execution modules, automated RFQ-to-execution & reduced manual processing by ~60%
- Managed USD 1.2M & USD 950K enterprise implementations across Asia-Pacific & Middle East (JP Morgan, Citi, Emirates NBD, RAKBANK)
- Pioneered NLP & blockchain prototypes for trade reconciliation, document parsing & smart-contract settlement
Project Manager
MECON Ltd
India
Engineering & consultancy solutions across core engineering services
- Led USD 100M Wire Rod Mill-2 project commissioning; managed USD 20M cost analysis for Bokaro Steel & Vizag Steel
- Led a consortium team of 5 firms for project commissioning and capability analysis for of CRM3 Bokaro steel & Coke oven battery
Education
Indian Institute of Management (IIM)
MBA
Exchange Program: Católica Lisbon School of Business & Economics, Lisbon, Portugal | 2016–2017
IIT (BHU)
B.Tech