Strategy meets
execution.
I am Saksham, a Product Leader with 7+ years of experience directing product strategy, scaling operations, and driving P&L impact across high-growth Fintech and cutting-edge AI sectors.
With deep empathy for customers and a comprehensive understanding across business, technology, and AI, I bridge the gap between complex engineering challenges and tangible business value while delivering a compelling customer value proposition. From architecting Agentic AI healthcare solutions to managing a high-volume consumer lending portfolio, my philosophy remains the same: Solve real problems with clarity and precision.
Education
MBA (Strategy, Finance)
Management Development Institute, Gurgaon (2020)
B. Tech (Electrical)
Delhi Technological University (2016)
Core Competencies
- Product Vision & Strategy
- Agentic AI & Orchestration
- 0-to-1 Product Innovation
- AI Evals & Observability
Certifications
AI Governance
Lead Implementer of AI Management System (ISO/IEC 42001:2023)
Product Management
Mastering Product Management via Reforge
Work Experience
A timeline of my professional journey.
2024
2024
Jivi AI
Director, Product Management
- Architected Health Twin, a centralized platform unifying 500+ biomarker data points using Agentic RAG. Leading the strategic integration with the world's largest smartphone OEM.
- Launched Jivi Mind Coach, a voice-first AI therapist scaling to ~800 therapies/day, and established an observability framework with 0.99 F1 score.
- Led multi-agent triaging workflow for Dr. Jivi, achieving top-3 diagnostic accuracy of 94.77% in USMLE/NEJM benchmarking.
- Built multimodal agent-orchestration platform empowering non-tech teams to compose AI agents, reducing TTM by ~50%.
- Architected a stateful memory management system integrating episodic session context and long-term user profiles for deep personalization.
- Drove user acquisition to 3.7M+ users through performance marketing and PLG freemium models, reducing CAC by 75%.
- Leveraged LLM-native development tools to build and deploy functional full-stack prototypes, streamlining technical feasibility and demos.
2022
2022
BharatPe
Senior Product Manager, Consumer Lending
- Led a cross-functional team of business, design, engineering, and risk to successfully launch Co-branded Credit Cards (0-to-1). Scaled acquisition to ~1,000 cards/month with an average transaction value exceeding INR 20k.
- Managed Postpe cards (1.2M+ active cards) and CCMS platform integrations. Spearheaded a team of 2 APMs to disburse INR 420 Cr/month with an AUM of ~INR 680 Cr.
- Increased transaction success rate from 72% to 84%, generating an additional INR 30 Cr/month in disbursals.
- Spearheaded Personal Loan product from concept to launch with E-Nach validation and real-time disbursals, scaling portfolio to INR 2.5 Cr/day.
- Pioneered industry-first 'EMI on QR' feature, unlocking a new INR 1 Cr/day portfolio in consumer durable loans.
- Defined and executed the comprehensive strategic roadmap for strict compliance with RBI's Digital Lending Guidelines.
2020
2020
Xiaomi India
Product Strategy, Xiaomi Financial Services
- Architected strategy and roadmap for Xiaomi's Financial Services ecosystem, including Mi Pay.
- Launched Device Financing with Home Credit, completing 2,000+ contracts within 3 months.
- Analyzed user behavior in Mi Pay, boosting Total Payment Value by 42% to INR 94 Cr monthly.
2019
2019
McKinsey & Company
Product Owner (Internship)
- Led the Agile/Scrum development and successful launch of the client-facing Learning Management mobile app for the McKinsey Academy.
2018
2018
ZS Associates
Decision Analytics Associate
- Orchestrated strategic realignment of a 1,000-person sales force across 7 brand portfolios following the J&J-Actelion merger, optimizing market coverage through data-driven analysis.
2016
2016
Stellium Consulting
Associate Consultant
- Led India's first RFID-integrated SAP EWM implementation for a major textile client, increasing operational throughput by 18%.
- Implemented SAP EWM at an automobile spares warehouse, increasing throughput by 23% and decreasing inbound time by 15%.
The Portfolio
Health Twin
Jivi Health Twin
Connected care via Knowledge Graphs.
Trading Agents
Multi-Agent Fintech Researcher.
Jivi Mind Coach
AI Therapy at scale.
Dr. Jivi
Multi-agent diagnostic triaging.