Product Management · Monetization & Payments

Consulting-trained strategist who ships.

9+ years spanning Strategy Consulting (Bain & Co) & Product Management

I bring Bain-grade rigor to messy, 0-to-1 marketplace problems — then stay in the trenches through SQL, experiment design, and rollout, not just the deck. Currently own both the B2B Monetization and B2C Payments charters at Housing.com (REA India), directing a team of APMs. Rated ‘Exceeds Expectations.’

SQL before opinionsShips, not slides0 → 1 habit
Vishwajeet Karmwar, Senior Product Manager
MonetizationPayments0 → 1 buildsMarketplacesAI automationPricing & packagingBain & Co rigorExperiment designSQL / PrestoP&L ownershipMonetizationPayments0 → 1 buildsMarketplacesAI automationPricing & packagingBain & Co rigorExperiment designSQL / PrestoP&L ownership
Case Files · yes, they actually shipped

Five shipped case files.

Career Highlights · the receipts

Six headline outcomes across nine years.

  1. 01

    Own both the B2B Monetization and B2C Payments charters end-to-end at Housing.com, directing a team of APMs. Rated 'Exceeds Expectations.'

  2. 02

    Led the payments product surface at scale — including a zero-downtime money-flow architecture rebuild under regulatory compliance requirements — and lifted 30-day retention from 30% to 45% by bundling trust signals, social proof, and WhatsApp payment flows as one coordinated bet.

  3. 03

    Conceived Ultra, a seller package that didn't exist on the platform, driving a strong ARPU uplift through end-to-end GTM and sales enablement.

  4. 04

    Deployed AI-driven automation across customer support, meaningfully cutting escalations and resolution turnaround time.

  5. 05

    At Bain & Co: designed a multi-year GTM and P&L strategy for a large global paints manufacturer, defined a growth opportunity for a leading Indian insurer, sized a full-potential market opportunity for a large-cap EPC company, and led post-merger integration for a multi-billion-dollar IT company.

  6. 06

    Earlier career: scaled Apna.co's monetization product leading a 10-member team; delivered growth and cost-optimization engagements at Deloitte across retail and automotive; improved manufacturing throughput at Fiat Chrysler Automobiles.

Toolkit · what’s in the bag

What I bring to the desk.

Technical
  • SQL — Presto/Trino via Redash, Databricks
  • GA4 / event-level funnel analysis
  • Jira & Confluence JPD authorship
  • Experiment design & non-inferiority testing
Operating Style
  • Structured problem framing — JPD/OST methodology
  • CXO-level stakeholder reporting
  • P&L ownership across monetization & payments
  • Directing and mentoring APMs
Domain
  • Consumer internet marketplaces
  • Fintech — lending, payments, compliance
  • Real estate — broker/developer/seller dynamics
  • Pricing, packaging & monetization strategy