Nakul Sathyanarayana
Product Leader
San Diego,CA
Summary
Accomplished Product Leader with over a decade of experience driving high-impact digital products in the FinTech (Unsecured personal loans, HELOCs, and debt consolidation products) and InsureTech sectors. Proven ability to launch zero-to-one experiences generating over $15M in revenue and implementing AI/ML solutions that successfully reduced operational costs by $4M. Expertise in consumer-centric design, fostering cross-functional collaboration, and propelling significant growth trajectories. A strategic thinker dedicated to leveraging innovative technologies to enhance user experiences and deliver measurable business results.
Overview
13
13
years of professional experience
Work History
Director Product Manager
Achieve (Formerly Freedom Financial Network)
11.2022 - Current
- Transform payments and money movement in Lending to 90%+ electronic payments to creditors replacing checks
- Led successful roll out of 3rd party vendor integrations saving over $4MM annually (Credit pull costs and AVM costs optimization) and streamlined application experience
- Leveraging newer digital tools to improve identity verification fraudulent transactions to near 0.
- Built omni-channel communication strategy, improving agent contact rate by 12%
- Leading the 0 -> 1 process for Achieve Lending's HELOC digital enrollment experience, shaping vision, strategy, and constructing a multi-year execution roadmap for Achieve Home Loans' digital interface. Informed by user research, stakeholder insights, and funnel analysis, I orchestrated the development of a seamless digital journey.
- Introducing 'enhanced offer presentation' initiative, aimed to optimize consumer experience for debt consolidation solutions, resulting in 2X increase in offer selection within marketplaces.
- DocAI (AI/ML models) for document parsing to dramatically improve origination process efficiency and reduce credit risk
- Led product efforts in collaboration with marketing on expanding consumer targeting and acquisition to grow lead volume by 3x YoY. Integrations with marketplaces like lending tree, nerd wallet, credit karma and Engine.
Senior Product Manager
Freedom Financial Network
10.2019 - 11.2022
- Drove go-to-market plans for product releases, coordinating marketing efforts to raise brand awareness and generate leads.
- Led technology implementation of direct-mail campaign MVP and optimizations to ensure profitability. Achieved $2 million in direct origination in 2021, growing to $15 million in 2022.
- Designed and built tools such as Slack bots to notify internal agents of consumer digital activity, enhancing connect rate with high-intent consumers. Implementing intent-based lead assignment resulted in 7X increase in origination conversion (digital vs. manual leads)
- Launched v1, v2 of consumer digital application experience that was instrumental in 4X YoY lift in 2022
Business Systems Analyst
The Doctors Company
11.2015 - 09.2019
- Lead analyst in launching new digital experience (first of its kind for company) to enable customers to apply and get approved instantly for their insurance. $1.8M in premiums generated without agent involvement in first 6 months.
- Improved business processes by building automated underwriting system MVP that can process application and decision in real time
- Hybrid application routing system to handle digital only vs 'need help' consumers.
Business Systems Analyst
Delta Dental
09.2014 - 10.2015
- 0 -> 1 launch of new product 'Dentegra smile club' designed to assist consumers in discovering perfect dentist and reducing their bills, all without need for insurance
- Gamification of dental hygiene by integrating smart toothbrush with membership to earn points and redeem for discounts.
Systems Analyst
Kelly Blue Book
02.2013 - 09.2014
- Involved in more than half dozen major initiatives with ad management, used car pricing pages and agency pages.
- Instrumental in development and deployment of original KBB Price Advisor for new cars.
- Lead quality metrics and process improvement initiatives that reduced cycle time on issue resolution.
Education
Certification -
Product School
San Jose, CA08.2017
Masters - Systems Engineering
University of Maryland
College Park08.2012
Skills
- Product & Strategy: Strategic Planning, Product Lifecycle Management, Go-to-Market, User Research, Design Thinking
- Technical: LOS, Document and Vendor Integrations, Decisioning, Miro, SQL, Figma, Tableau
- Domain: Consumer Lending, Payments & Money movement, Credit Risk and Underwriting, AI/ML Product Strategy
- Operational Excellence: Automated Underwriting Systems (AUS), Data Analytics & A/B Testing, Process Optimization, Customer Acquisition Strategy
- Leadership: Cross-Functional Leadership, Stakeholder Management, Team Development
Highlights
- Lead Product manager responsible for Payouts and money movement across Achieve lending moves $1.5+B annually.
- Leading AI/ML initiatives for Lending origination process
- Recognized as a Subject Matter Expert for Digital First Origination & Automated Underwriting System for Lending
Timeline
Director Product Manager
Achieve (Formerly Freedom Financial Network)
11.2022 - Current
Senior Product Manager
Freedom Financial Network
10.2019 - 11.2022
Business Systems Analyst
The Doctors Company
11.2015 - 09.2019
Business Systems Analyst
Delta Dental
09.2014 - 10.2015
Systems Analyst
Kelly Blue Book
02.2013 - 09.2014
Masters - Systems Engineering
University of Maryland
Certification -
Product School