Anushil
Baruah
Sr. Product Manager · Banking & Financial Services
14+ years turning regulatory complexity into product velocity. From PSL digital transformation at ICICI Bank to leading ₹75.32 billion in book management — I build products that move markets.
Anushil Baruah
CSPO · Digital Banking Certified
14+
Years Experience
₹75B
Book Managed
35%
MSME Growth
CSPO
Certified
Product Manager who speaks banking fluently.
I started my career on the shop floor of Ashok Leyland dealerships in Assam, getting my hands dirty with warranty operations and PDI for commercial vehicles. That ground-level understanding of how products actually work — not just on paper — has been my edge for 14 years.
At SBI General Insurance, I led 72 claims assessors nationwide, building data-driven fraud detection models before "data-driven" became a buzzword. At Tata Motors Finance, I rebuilt DSA networks and drove delinquency down on commercial vehicle loan portfolios.
Since 2019 at ICICI Bank, I've been at the intersection of regulatory complexity and digital transformation. I led the PSL digital transformation — implementing LOS/LMS for Priority Sector Lending — and grew the MSME share in Auto Loans from 12% to 35%, managing a ₹75.32 billion book. My focus: building systems that are compliant by design, not by audit.
CSPO
Nov 2024
Digital Banking Transformation
June 2025
B.E. — VTU
2007–2011
14+
Years in BFSI
Banking · Insurance · Auto Finance
₹75.32B
Book Managed
ICICI Bank Wheels portfolio
12→35%
MSME Growth
Auto Loan share increase
72
Team Led
Claims assessors nationwide
Where expertise meets execution.
14 years of domain depth across banking, insurance, and automotive finance.
Product Strategy & Roadmapping
End-to-end product lifecycle management, BRS preparation, UAT, and cross-functional alignment across technology, risk, and operations teams.
Digital Transformation
Led PSL digital transformation at ICICI Bank — LOS/LMS implementation for Priority Sector Lending with full RBI compliance governance.
MSME & Priority Sector Lending
Grew MSME share from 12% to 35% in Auto Loans. National PSL strategy, planning, execution, and governance across Commercial, Auto, and Two-Wheeler loans.
Risk & Compliance
System-based controls, risk assessment models, and compliance dashboards achieving zero non-compliance. Audit governance for Farmer Finance.
LOS/LMS & CRM Systems
Deep expertise in Loan Origination Systems, Loan Management Systems (Finnone), CRM platforms, and process automation in lending workflows.
Stakeholder & Team Leadership
Led 72-member nationwide claims team. Cross-functional liaison with technology, legal, compliance, and business heads across major institutions.
Technical Tools
14 years of building things.
From Ashok Leyland workshops to ICICI Bank's digital transformation.
ICICI Bank Ltd
Sr. Product Manager — Wheels & PSL
- Managing Wheels (CV, CE, ME, Auto & TW loan) process and system development on LOS & LMS/Finnone
- Led nationwide PSL strategy — planning, execution, governance, and RBI compliance across all Priority Sector segments
- Grew MSME share in Auto Loan from 12% to 35%, managing book value of ₹75.32 billion
- Developed system-based controls, risk assessment models, and process automation frameworks
- Regulatory Compliance & Audit Governance for Farmer Finance product with zero non-compliance record
Tata Motors Finance Ltd
Territory Sales Manager — Commercial Loans
- Managed Commercial Vehicle Loan portfolio for retail and fleet customers across Mumbai territory
- Streamlined payment collections and reduced delinquency through data-driven monitoring
- Built and scaled DSA (Direct Selling Agent) network for business growth
SBI General Insurance
Claims Assessor — General Insurance
- Led nationwide team of 72 claims assessors across India
- Built data-driven insights framework for claims efficiency and fraud detection
- Established performance monitoring and quality control systems
My Car Pvt. Ltd. (Ashok Leyland)
Assistant Works Manager — Service Operations
- End-to-end workshop operations, vendor management, and manpower allocation
- Designed and delivered technical training programs for service teams
- Organized customer service camps improving NPS and brand loyalty
GAML Pvt. Ltd. (Ashok Leyland)
Service Engineer — Warranty Operations
- Warranty claim processing and customer issue resolution for commercial vehicles
- Pre-Delivery Inspection (PDI) quality control for commercial vehicle fleet
Education
B.E. — Visvesvaraya Technological University (VTU)
Belgaum · 2007 – 2011
Products that moved the needle.
Concrete outcomes from ICICI Bank's most complex product initiatives.
PSL Digital Transformation
Architected and implemented end-to-end Loan Origination System (LOS) and Loan Management System (LMS) for Priority Sector Lending customers at ICICI Bank. Delivered full RBI compliance governance framework, enabling nationwide scale with audit-ready controls built into the system — not bolted on after.
100%
RBI Compliance
LOS+LMS
Systems Built
National
Scale Achieved
MSME Business Growth Engine
Led strategic MSME growth initiative across Commercial Vehicle, Auto, and Two-Wheeler loan segments. Designed and executed targeting models, dealer network optimization, and process automation that transformed ICICI Bank's MSME lending position in the auto finance market.
12→35%
MSME Share
₹75.32B
Book Managed
3 Segments
CV, Auto, TW
Audit & Compliance Revamp
Built enterprise-grade compliance risk monitoring dashboards and automated governance frameworks for Farmer Finance and PSL products. Achieved zero non-compliance findings across all regulatory audits — a first for the product vertical.
Zero
Non-Compliance
100%
Audit Coverage
Automated
Monitoring
Let's build something together.
Whether you're a bank, NBFC, or fintech looking for a product leader who understands lending systems from the inside out — I'd love to talk.
Currently based in Mumbai. Open to senior PM roles in banking, financial services, and fintech across India.
Contact Information
anushil88@gmail.com
Phone
+91-7977340931
linkedin.com/in/anushil-baruah-973988b
Location
Mumbai, India