Lead Product Designer • Paytm • 2018-2021

Built India's First ₹2000+ Cr BNPL Empire from Zero

The exact financial infrastructure JIO needs for market domination

₹2k+ Crores Processed
8M+ Active Customers
15M+ Merchant Partners
0→1 Built from Scratch
Paytm Postpaid feature interface

The Challenge

India had no mass-market credit infrastructure. 6M+ Paytm users needed access to credit, but traditional banking couldn't serve them. No credit scores, no established patterns, no design frameworks for digital lending.

My Solution

Built India's first intuitive BNPL experience from ground up. Created credit limit visualization ("bottle metaphor"), risk assessment flows, payment education systems, and merchant integration tools. Established Paytm's first unified design system.

Massive Results

₹2000+ Cr Total transactions processed
8M+ customers Active BNPL users
15M+ merchants Integrated partners
220% YoY User growth rate

Why I'm the Right Leader for JIO

Vikas Raj Yadav - Director of Product Design

I've already solved JIO's biggest design challenges at scale. Built India's first mass-market BNPL (8M+ users), redesigned major banking apps (5M+ users), and established design systems across multiple financial platforms.

Perfect timing for JIO: You're expanding financial services. I've led this exact transformation at Paytm, HDFC, and Beem. I understand Indian users, regulatory constraints, and how to scale digital financial products from 0 to millions.

Technical + Strategic: Rare combination of design leadership with hands-on technical skills (Swift/SwiftUI, React, Three.js). I can bridge design-development gaps and move fast in your tech-forward culture.

What I'll Build at JIO

India's Most Trusted Financial Super-App

Day 1 Vision

Leverage JIO's 450M+ user base to create seamless financial experiences. Banking, payments, investments, insurance - all unified under JIO's trusted brand.

Design System for 450M+ Users

Infrastructure Priority

Build scalable design systems that work across JIO's entire ecosystem. Components that scale from JioPay to JioMart to new financial products.

Tier 2-3 City Financial Inclusion

Market Expansion

Design financial products that work for India's next 200M internet users. Simplified interfaces, vernacular support, offline-first experiences.

Technical Design Leadership

Execution Advantage

Bridge design-development gaps with hands-on technical skills. Prototype in Swift/React, implement animations, and ship faster than competitors.

Regulatory-First Design

Risk Management

Navigate RBI/SEBI requirements while maintaining excellent UX. Turn compliance into competitive advantage through thoughtful design.