Bharat Sharma

Building an AI-first personal finance platform—powered by neo-banking rails—as a smarter alternative for India’s next-gen earners.

• Led the end-to-end delivery of a digital lending platform enabling Supply Chain Financing for large corporates and their MSME dealers/suppliers, achieving over 2.2x YoY disbursement growth. • Optimised the digital onboarding journey using a design thinking process for MSME dealers and vendors, powered by APIs for KYC, financials, GSTN, Aadhaar e-signature, and fraud detection, resulting in enhancing lead conversion. • Launched a Credit Assessment Engine for Mynd Fintech to match MSME with bank and NBFC financiers based on evaluated risk scores to improve the credit sanction success rate.

• As the Head of Product, led the 2.3x growth in customer acquisition for the B2B fintech SaaS platform which empowers over 5,000 SMEs to analyze their finances, automate vendor payments, digitise collections, and leverage data for faster access to business loans from 70+ lenders. • Managed cross-functional teams, senior stakeholders and strategic alliances to execute the product strategy and roadmap, driving 30% YoY growth in revenue. Improved customer satisfaction score (CSAT) to over 75% through Customer-led growth strategy and creative ideation. • Led the transformation through implementing the agile scrum framework and design thinking reducing time-to-market by over 20%.

World's largest travel company, with €20 billion in revenue • Established a new online business unit for B2C travel e-commerce apps, driving its P&L, new product development, strategic partnerships, go-to-market strategy, and product marketing, surpassing AOP targets by 140% in an industry affected by the pandemic. • Created an AI-powered demand forecasting and pricing platform for European markets in collaboration with multinational teams. • Re-engineered and optimised the CRM process and implemented SalesForce and Ameyo tools resulting in NPS score above 25%.

• Salvaged the struggling online gold loan business unit and transformed it into a popular 1-touch lending mobile app, achieving over ₹2,000 crore per month in disbursements through asset re-pledging. • Collaborated for ISO 27001 infosec standard implementation and RBI compliance requirements. • Led enterprise digital transformation projects using next-gen technologies, including AI/ML driven cross-selling, Anti-Money Laundering (AML) and a blockchain-based NPA auction platform. • Envisaged and launched the Loan Origination System (LOS) based on Salesforce for a new consumer loan vertical, in collaboration with credit bureau TransUnion CIBIL for paperless onboarding. • Managed negotiations and vendor relations for high value technology services including cloud services, outsourcing, payment gateways, CRM and marketing technologies.

• Spearheaded the new product development and strategic partnerships for launching real-time hotel inventory and price aggregator platform eliminating offline process up to 95%. • New product launched with delightful user experience – ecommerce mobile apps for online travel booking on Android, iOS and Blackberry. • Established a new hotel supply team from the ground up by recruiting and training 10+ members team; implemented SOPs.

• As the product owner, led multiple product PODs for different units, including eCash Wallet, Payment Gateway, Online Hotel Booking, Flight + Hotels Dynamic Packaging, and Holiday Packages. • Growth hacking to deliver 10x growth in online bookings over 5 years by implementing product innovations and optimizing the conversion funnel through A/B testing for web and mobile apps. • Launched eCash Wallet loyalty rewards program to reduce churn and enhance customer retention rates over 25%. • Optimised the online payment flow and launched real-time Payment Gateway switch increasing the blended success rate above 85%.

• Conducted extensive user research to revamp the platform for India’s first Netflix-style startup, achieving 40% increase in subscriber base within 3 months and significantly better customer satisfaction score. • Introduced the real-time booking and tracking system ‘Get It Now’ for Same-day home delivery in Bangalore, Mumbai and Delhi. This product innovation changed the ecommerce graph and service approach across all functions in the organization. And it gave tough time to competition for match. Check out news on: Exchange4Media.com http://www.exchange4media.com/e4m/news/fullstory_industrybrief.asp?section_id=35&news_id=35964&tag=31840 | WATBlog.com | Informationmadness.com | BusinessOfCinema.com | DVDRentalCharts.com • Managed team of content writers for developing engaging content around movies. • Managed Online marketing efforts through Google Adwords and Affiliate marketing networks. Achieved optimum CPC and conversion targets within allotted budget. • Launched various special offers and engagement programs through BTL activities like Social media promotions, mailers, site banners, SMS push etc. • Launched SEO-optimized mobile site for movies content and ordering rentals. • Organized User Meets for usability research with the objective of identifying user pain points with current product and performing usability testing for new projects. • Managed and negotiated various deals for marketing alliances and co-branding opportunities.

Online product management for SimplyMarry.com, a challenging role seeing the emergence of social media and changing ways people interact. Delivered a high performance engaging product in terms of user experience resulting in J shape growth in online package sale. Also launched a new youth magazine Simplymarryzine.com and worked on special projects for MagicBricks.com, Ads2Book.com and Indiatimes.com • Product Management for SimplyMarry.com and other online classified businesses of the Times Group. Revamped the site and its architecture to Web 2.0 standards for delightful user experience. • Launched CMS based research website for www.magicbricks.com and events site http://www.swayamvars.com for SimplyMarry.com. • Managed upward movement of site metrics (increase in usage & online revenue per user) with the revamp of various product features like member profiles, search module and payments. • Responsible for product analysis, UI design, AJAX framework and project coordination roles in such turn-key projects i.e. managing projects from scratch to implementation. • Revamped the application with Single Page architecture to improve user interactivity and reduce user-perceived latency. • Managed product backlog using iterative agile methodology in adaptive environment, required for quick response to dynamic market trends. • Usability and User Interface development for http://www.Ads2book.com (US module). • Increased the organic traffic to over 2/3rd with new SEO strategy including the launch of a new CMS-based online magazine. • Led project of new CRM application for effective customer support and query management. • Improvised internal Administration application for eliminating bottlenecks in order/subscription management and generating MIS reports for the decision support system. • User Interface for Mobile app which was developed using external engineering team.