Product Manager building fintech products people trust with their money.

6+ years shaping consumer fintech and lending products end-to-end — from 0-to-1 launches to scaling platforms serving millions of users and billions in transaction volume.

SG

Sparsh Goyal

Product Manager, INDmoney

Work Experience6+ years
ExpertiseLending & US Trading
Based inBangalore, India
EducationB Tech, IIT (BHU) Varanasi
Ex-founder, Catchy Grooming • Paragliding Pilot
About

Product instincts, backed by data.

I'm a Product Manager with 6 years of experience building high-scale consumer fintech products and digital platforms. I'm skilled at defining product vision, translating user insights into impactful features, and driving end-to-end delivery with engineering, design, and marketing teams.

I lean on data-driven decision-making and experimentation to simplify complex workflows and improve user engagement and conversion — and I care about shipping customer-centric experiences that hold up in fast-paced, regulated environments like trading and lending.

Currently leading Trading Experience, Taxation & Compliance for US Stocks at INDmoney, where I own the end-to-end journey for 3M+ registered accounts and $1.5B+ in AUM.

01

0-to-1 & scale-up

Shipped net-new products (Omnichannel PL, SENP, Embedded Lending API) and scaled existing ones 6-9x.

02

Regulated fintech

Deep experience in trading, taxation & compliance, credit underwriting, and fraud/risk workflows.

03

Cross-functional delivery

Partnered closely with Engineering, Design, Risk, Compliance, and Business teams to ship and scale.

04

Research-driven

100+ user interviews, structured A/B testing, and usability sessions inform every roadmap decision.

Experience

Six years, one thread: fintech at scale.

INDmoney

May 2025 — Present
Bangalore

Product Manager — Leading Catalogue, Trading Experience & Taxation for the US Stocks business — INDmoney's flagship product — managing end-to-end journeys for 3M+ registered accounts and $2B+ in AUM, with 300K+ DAU across three brokers.

  • Scaled monthly trading volume 5x over the last year via Extended Hour Trading, Technical Charts, and Advanced Order Types.
  • Key projects: UCITS via LSE, US IPOs, Fully Paid Securities Lending, Tax Loss Harvesting.
TradingTaxationCatalogue0-to-1

Career Break — Health & Wellness

Dec 2024 — Apr 2025
  • Completed a 1,700 km solo bike trip across the Western Ghats over 20 days.
  • Earned a P3 Solo Paragliding certification in Bir, Himachal.

InCred Finance

Mar 2022 — Nov 2024
Bangalore

Product Manager – II

May 2024 — Nov 2024

Led InCred's D2C initiatives for the Personal Loans (PL) product.

  • Built interoperable web & app journeys using an SDUI framework to serve all user segments and fix key UI/UX pain points.
  • Partnered with Fraud & Risk Analytics to build ML-based risk control layers (SMS Scorecard, Behavioral Data Scorecard) delivering industry-best NPA numbers.
  • Ran market research and extensive A/B testing with 100+ user interviews and usability sessions.
  • Built an Embedded PL Lending API stack for B2B partnerships, cutting top-of-funnel drop-off by 30%.
  • Formulated H1 & H2 2024 roadmaps, delivering ~85% of planned deliverables for the year.
D2C LendingRisk & FraudB2B API

Product Manager

May 2023 — Apr 2024

Instrumental in profitably scaling the PL business from ₹100 Cr to ₹450 Cr+ in monthly disbursals.

  • Built Omnichannel PL — an end-to-end digital journey via LSP & DSA partners — cutting median application TAT from 3 days to 1 day (65%), from concept to launch.
  • Launched SENP, a GST & ITR-based underwriting product for SME owners, reaching ₹50 Cr+ in monthly disbursals within 6 months of launch.
  • Led Account Aggregator implementation across PL products, improving median income verification TAT by 75% (from 1.5 hrs to ~20 mins) and decreasing funnel drop-offs from 50% to 35%.
  • Aligned Business, Marketing, Operations, Compliance & Support on launch plans, rollout, and adoption monitoring.
0-to-1SME Lending

Associate Product Manager

Mar 2022 — Apr 2023
  • Managed & scaled InCred's line-of-credit product (digital wallet) from ₹5 Cr to ₹25 Cr.
  • Built a customizable KYC module — Video-KYC and DigiLocker — with face-match and liveness checks for fraud prevention.
KYCFraud Prevention

Sprinklr

Jan 2021 — Mar 2022
Gurgaon (B2B)

Senior Product Analyst

Nov 2021 — Mar 2022
  • Stabilized and scaled the Voice Care product; coordinated with multiple enterprise clients to gather requirements and ship enhancements.
  • Onboarded one of India's biggest banks, with 1,000+ agents live on the platform.

Product Analyst

Jan 2021 — Oct 2021
  • Early member of the Product team for Sprinklr's Cloud Contact Center Solution; owned IVR, the Omnichannel Console Dashboard, and Guided Workflows for the Voice Care module.
  • Led the first-ever Voice project for a US-based client.

Catchy Grooming

May 2020 — Feb 2021
Bhopal

Co-founder & CEO — Founded a doorstep grooming startup for all ages and genders.

  • Managed a team of 15 and provided employment to 20+ local hair artisans & masseuses.
  • Reached a peak of 300+ bookings/month at an ATS of ₹300.
Personal Projects

What I build when nobody's asking me to.

Product instincts don't clock out after work — these are side projects I scope, build, and ship solo, end to end.

Skills

Toolkit

Product

Product Roadmapping A/B Testing Stakeholder Management Agile Team Leadership

Analytics

SQL (Advanced) Excel (Advanced) Tableau Mixpanel Analytical Problem Solving

Tools

JIRA Confluence Figma Miro Visily AI
Contact

Always up for a good conversation.

Whether you want to trade notes on a product problem, talk fintech, or just say hi — I'm always up for it.

Prefer a resume? Download it here →