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11 · Fintech · 0→1

Growing a capital-markets app 18×.

Over four years I grew with Deciml from CRM to Associate PM — owning the onboarding funnel, the activation loop, and retention for a 0→1 investing product in a heavily regulated space.

Associate PM (from founding CRM)Deciml2021 – 2025Consumer fintech
18×
USER GROWTH · ₹25L / MONTH AUM ADDED
+30%
install → KYC
+26%
activation
−20%
30-day churn

In fintech the funnel is the product. Every acquisition rupee is wasted if it drops at onboarding — so I found the step that gated the most value and fixed it first.

What I did

Own the funnel end to end.

Rebuilt KYC onboarding (+30% install-to-KYC), A/B-tested onboarding and notification timing (+26% activation, −20% 30-day churn), shipped 30+ features on a P1/P2/P3 roadmap, and distilled 1,500+ user interviews into launches like digital gold and RFM cross-sell campaigns adding ~₹6L AUM/day.

Key decisions

Where I pointed the effort.

01

Fix KYC first

It's the gate everything sits behind — a 30% lift there compounds through every later step.

02

Test, don't argue

Activation and churn are too expensive to decide by opinion — structured experiments turned debates into measured wins.

03

Prioritize ruthlessly

A simple P1/P2/P3 framework kept a small team shipping the 30+ things that mattered, not everything at once.

Outcome

Compounding funnel wins into 18× growth.

user growth
₹25L monthly AUM added
+30%
install-to-KYC
rate
+26%
activation · −20%
30-day churn
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