Apoorv Mittal
Director of Product Management @ Niyo Solutions Inc.
About
I am a product leader with 10 years of experience building and scaling digital products in fintech and analytics. Currently leading multiple product pods at Niyo, I’ve driven end-to-end product launches, built distribution, improved acquisition and conversion funnels, and led UX innovations that directly impacted growth and retention. With a dual degree from IIT Kharagpur, I bring a balance of strategic thinking and execution—thriving in fast-paced, high-growth environments. Passionate about solving real user problems, aligning cross-functional teams, and turning ideas into measurable outcomes. Beyond my core work, I closely follow global geopolitics, macroeconomics, financial markets, and geoeconomics out of personal interest.
India
Bengaluru
Financial Services
BFSI, Channel Strategy, Digital Strategy, Team Leadership, Senior Stakeholder Management, CXO level engagement, Start-up Leadership, Team Management, Team Building, PnL Management, Pricing Strategy, Cross-functional Team Leadership, Consumer Products, Superapp, Product Leadership, Product Management, User Journeys, Product Analytics, Business Strategy, Strategy
Experience
Director of Product Management
Niyo Solutions Inc.
Bengaluru, Karnataka, India
Managing product teams who own product experience and PnL for: - Co-branded credit cards, debit cards, savings accounts and fixed deposits - Customer Acquisition and Product Distribution across digital and offline channels - Loyalty and Rewards - Platform services to power Niyo app, Homepage and SuperApp Experience
Group Product Manager
Niyo Solutions Inc.
Bengaluru, Karnataka, India
Managed: - Customer Acquisitions - Product Distribution - Niyo Express - At home KYC - DIY and sales agent assisted KYC - Instant Cards - Loyalty and Rewards Platform - Homepage and SuperApp Experience - App, Web and offline journeys for KYC - Core platform services
Senior Product Manager
Niyo Solutions Inc.
Bengaluru, Karnataka, India
Launched Niyo Global app and Loyalty Platform.
Product Manager
Niyo Solutions Inc.
Bengaluru, Karnataka, India
Worked on stock trading and account aggregator products.
Associate Manager - User Lifecycle Management
American Express
Gurgaon, India
Managed user lifecycle for credit and charge card users to reduce credit losses and contingent liabilities. Managed the following processes: - Risk models based credit limits - Credit limit based spends controls - High Risk and inactive accounts closures - Dunning strategy to minimise defaults for delinquent accounts
Analyst - User Lifecycle Management
American Express
Gurugram, Haryana, India
Strategy Analytics for credit limit management.
Strategy Consultant - BFSI
EXL Services Ltd
Gurgaon, India
Worked with a global credit card issuer to optimise PnL of consumer credit portfolio.
Education
Indian Institute of Technology, Kharagpur
Exploration Geophysics
Apoorv Mittal's Contact Information
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