Senior Product Manager · 6+ years · IIM Kozhikode PGP-BL ’27

Hi, I'm Dhruvi Chauhan.

Turning complex problems into products that drive customer and business impact.

I enjoy the messy part of product work—the ambiguity before a clear roadmap exists. Over the past six years, I've turned complex business problems into customer-centric products across FinTech and eCommerce, taking ideas from 0→1 and scaling what works. Now, at IIM Kozhikode, I'm strengthening the strategic and leadership perspective needed to build products that create lasting customer and business impact.

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About

Curious about why, before how.

Why Product Management

It's the one career where my curiosity feels completely at home. I'd rather understand why something works than just that it does — talking to customers, questioning assumptions, connecting perspectives before touching a solution. It sits at the intersection of business, technology and human behaviour, and my favourite wins are quiet ones: a simpler journey, one less friction point, value created on both sides.

For me, this was never a career choice — it's how I already think. Six years building and scaling FinTech, AI, eCommerce, CRM and MarTech products, and now, at IIM Kozhikode, sharpening the strategic and leadership perspective needed to build products that create lasting impact.

Personality Traits

Resource Investigator · Belbin

Collaborative Negotiator · TKI

High EI · 176/210 · TEIQue

Johari Window

How I see myself, versus how others see me — mapped across 55 traits.

OPEN — known to self & others11 traits

Adaptable Bold Cheerful Energetic Extroverted Friendly Kind Logical Mature Sensible Warm

BLIND SPOT — known to others, not self13 traits

HIDDEN — known to self, not others4 traits

Calm Accepting Able Loving

UNKNOWN — growth space27 traits

Neither I nor others have surfaced these yet — clever, patient, wise, and more still to explore.

"Some of the most important product decisions happen long before a single feature is built."

Journey

From Engineering to Product Leadership.

2015–2019 EDUCATION

B.Tech (ENTC), K. J. Somaiya College of Engineering

Cultural Secretary & Alumni Cell Head — 20+ sponsorships, 5,000+ alumni engaged.

Dec'19 – Jul'21 BUSINESS ANALYST

Neebal Technologies

Launched Subsidex, agri-fintech SaaS platform — INR 1 Cr+ ARR.

Jul'21 – Nov'21 PROGRAM MANAGER

Fynd (Shopsense Retail Technologies)

Led the Refund Engine build — 48% faster turnaround across JioMart.

Nov'21 – Mar'26 SENIOR PRODUCT MANAGER

PayNearby (Nearby Technologies)

Scaled eCommerce, ONDC, Loyalty and AI to 100K+ retailers, 1M+ customers.

2026–2027 MBA

IIM Kozhikode — PGP-Business Leadership

Strengthening strategic leadership and enterprise decision-making.

Selected work

Products that moved real numbers.

Saathi AI Financial Assistant screenshot

5K+Monthly users

FinTech · Conversational AI

Saathi — AI Financial Assistant

A voice-led, multilingual LLM assistant — with a custom eval framework built to catch hallucinations before users do.

38% self-service resolution 5K+ MAUs 75% auto-closure

Saathi Rewards & Engagement Engine screenshot

20K+Users engaged

Loyalty · AI · Banking Correspondents

Rewards & Engagement Engine — Saathi App

A two-sided loyalty engine for PayNearby's Banking Correspondents — rewards that build habits, a dashboard that builds pride.

30% acquisition growth 60% retention uplift 64% repeat-txn lift 52% DAU/MAU growth

₹2Cr+Quarterly GTV

Financial Inclusion · Women Entrepreneurship

Digital Naari

A commerce platform built for women entrepreneurs — the network's "Banker Didis" — aligned with the Lakhpati Didi mission.

25K+ users ₹2 Cr+ quarterly GTV 50K+ women reached

ONDC Seller Plugin Marketplace screenshot

30K+Orders

ONDC · Marketplace

ONDC Seller Plugin Marketplace

India's first ONDC seller-plugin marketplace — transaction journeys, settlement and support, built from zero.

₹26L GMV in Q1 30K+ orders Tier-2 / Tier-3 markets

75%Tickets auto-closed

CRM · Support Automation

CRM Autoclosure Flow

Identified recurring support challenges, automated resolution workflows, and built a structured process to continuously improve answer quality.

75% auto-closed tickets NPS 3.9 → 4.2 48% higher answer accuracy

₹2,400Avg order value

eCommerce · Bulk Ordering

Bulk Buying Feature

A bulk ordering capability that raised average order value and grew overall transaction volume across the platform.

AOV ₹1,000 → ₹2,400 42% higher GTV

43%Conversion lift

Sales Enablement · Remote Ordering

Remote Order

A remote ordering flow that enabled call sales agents to place orders on behalf of retailers, lifting order conversion rates.

43% higher conversion rate

1L+Retailers

eCommerce · Platform Pivot

BuyNearby

Pivoted the platform from seller-side to buyer-side commerce, rebuilding the growth model from the ground up.

₹3 Cr → ₹10 Cr quarterly revenue 10K → 1L+ retailers

48%Faster refund TAT

Payments · Post-Order Experience

JioMart Refund Engine

Led development of an approval-based Refund Engine and redesigned payment workflows across JioMart's post-order ecosystem.

48% faster refunds 74% less manual effort 40% fewer support tickets

₹1Cr+ARR generated

Agri-FinTech · SaaS

Subsidex

A multi-tenant SaaS platform that automated fertilizer subsidy reconciliation across India's claims chain.

₹1 Cr+ ARR

Skills

The toolkit behind the work.

Product Management

Product StrategyProduct VisionRoadmappingProduct DiscoveryProduct AnalyticsGTM StrategyPrioritizationCustomer ResearchStakeholder Management

Growth & Analytics

Product-Led GrowthA/B TestingExperimentationFunnel AnalysisCohort AnalysisRetention & EngagementMonetizationNorth Star Metrics

Platforms & Domains

FinTechPaymentseCommerceONDCMarTechCRMLoyalty & RewardsB2B2C

AI & Technology

Generative AIAgentic AILLM ApplicationsRAGAI Evaluation FrameworksPrompt EngineeringAI Coding Assistants

Leadership & Execution

Cross-Functional LeadershipBusiness TransformationAgile & ScrumExecutive Stakeholder MgmtChange Management

Tools

JIRAConfluenceSQLClevertapMetabaseGA4FigmaNotion

Certifications

PSM-I — Scrum.org (Mar'21)

Google PM Certificate (Sep'21)

ONDC Certificate of Excellence (Sep'23)

IT Project Management — ISB (May'20)

Succession Planning Development Program — Jombay (Sep–Nov'23)

Leadership Training Session — UNITAR (Dec'18)