— PM · USER BEHAVIOR · FINTECH · AI

Diagnose. Intervene.Move the metric.

Systems Engineer → Product Manager · MBA, IIM Calcutta · Simpl

Open to Product Management opportunities

Product manager focused on fintech, user behavior, and systems. At Simpl, I conducted research across 100+ users that shaped delinquency interventions and informed a go-to-market P&L decision. I now publish product research and case studies on lending, marketplaces, and behavioral product design.

My ApproachView my Work →
TrulyMadly· Case Work · Self-directed product strategy

TM Cafe: Turning Dating Pain into a Behavioral Marketplace

StrategyMarketplacePrototype

A marketplace with 12M registered users had ~99% discovery failure. The product existed, but most never found it.

12MTM Registered Users·>99%Est. Discovery Failure·7Screens Prototyped
Read case study
Simpl· Product Management Intern

Why Half of New Simpl's SPaD Users Didn't Know They'd Chosen a Credit Product

FintechBNPLResearch

New-user delinquency ran 4.5× higher than repeat users. The gap wasn't intended; it was confusion about what they'd signed up for.

100+User Calls Conducted·49%Unaware They Chose SPaD
Read case study

— ABOUT

I came to product through systems engineering. Three years at Infosys, an MBA from IIM Calcutta, and a PM internship at Simpl shaped how I think about products — mechanism first, metric second.

I'm based in Bangalore, open to PM and APM roles in fintech, payments, lending, and AI-enabled products.

More about me

— Currently Thinking

live

Most lending systems are designed to predict risk. Thin-file users expose a different problem: missing information.

↓bureau scores break when credit history does not exist
→cash-flow and account-level signals may outperform bureau-first decisions
✓account aggregator infrastructure is making these signals accessible
?open question: when should trust override statistical certainty?

Updated June 2026

— BACKGROUND

Intern
Simpl·PM Intern2024

100+ interviews across 4 cohorts. Prioritised 4 interventions. Research cited in a P&L decision.

Role
IIM Calcutta·ISG Head2024–25

Led campus IT for 5,000+ users. Migrated 5 apps AWS → Azure. Zero service downtime.

Work
Infosys·Systems Engineer2019–21

Automated 10+ KPI dashboards. Migrated 5 legacy apps. Built internal API tool across 7 countries.

Case
AmEx Strategy·National Runner-Up2024

Case competition. 3,300+ participants. Top 2 finish.

MBA · IIM Calcutta

Resume →

— HOW I THINK

— CONNECT

I enjoy working on products where behavior, incentives, and systems intersect. If you are building in fintech, payments, marketplaces, or AI-enabled workflows, I would love to talk.

Email

tharunkumar0648@gmail.com

LinkedIn

tharun-kumar-0648

GitHub

tharun0648

Download Resume

— Now

Living document

QUESTION

Current

Why do users default into bad decisions even when the information is visible?

PUBLISHED

Recently

TM Cafe: Turning Dating Pain into a Behavioral Marketplace

RESEARCHING

Current

Thin-file underwriting, trust systems, and alternative credit signals

LEARNING

Ongoing

Account Aggregator infrastructure, payment rails, and AI-assisted product workflows