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← Back to Work PRODUCT MANAGEMENT · AI · FINTECH

HyperVerge
AI Underwriting Suite

Reimagining credit access for India's 1.4 billion people through adaptive intelligence.

HyperVerge Manipal Team
HyperVerge Award Ceremony
Aayush at work
HyperVerge office

The Trajectory

Four promotions in under two years — in a company where the average path to PM takes 24 months. I joined as an intern with no roadmap and no guarantee of a full-time offer.

Feb 2023

Product Intern — Joined with no roadmap, no guarantees. Shipped independently from week one.

July 2023

Product Analyst — Offered full-time after demonstrating ability to ship independently across multiple product lines.

August 2024

Associate Product Manager — Promoted after leading the API Marketplace and HyperVerge One Platform module to launch.

March 2025

Product Manager — Fastest promotion to PM in company history (9 months vs 24-month average). Given ownership of the entire Modules charter — 4 products, 9-person cross-functional team.

2025–2026

Scaled the AI Underwriting Suite — Grew to $1.2M ARR, 90% YoY growth, driving a majority of company revenue in India.

$1.2M ARR Generated in 6 Months
90% YoY Revenue Growth
<3 MIN Loan Decisioning (down from days)
85+ Customer Verification APIs Integrated
HyperVerge Office

The Challenge

Traditional risk assessment in India relies on legacy algorithms that exclude millions of self-employed and gig-economy workers. In a country where over 80% of the workforce is informal, the financial system was designed for the minority who could produce payslips and credit histories.

My mission at HyperVerge was to lead the Modules charter and transform credit underwriting into a seamless, AI-driven experience — one that could bring financial access to shop owners, street vendors, and first-time borrowers.

What I Built

I led a cross-functional team of nine to build India's first AI-powered credit underwriting suite — four products that fundamentally changed how lenders assess risk:

  • Financial Document OCR

    AI-powered extraction from bank statements, ITRs, and GST returns with 95%+ accuracy. Reduced manual review from hours to seconds.

  • Account Aggregator Integration

    India's first seamless AA-based data pipeline for real-time financial profiling — enabling lenders to pull verified data with user consent.

  • Low-Code Onboarding Platform

    An industry-first drag-and-drop workflow builder that let lenders configure underwriting rules without engineering support. 4x increase in average revenue per transaction.

  • API Marketplace

    Integrated 85+ third-party verification APIs into a single orchestration layer, reducing deployment time by 50%.

By reducing Turnaround Time from several hours to under 3 minutes, we enabled rural shop owners in Karnataka to get microloans almost instantly — a process that previously took days of paperwork and branch visits.

"Aayush stands out for his rare combination of curiosity, clarity, and technical empathy... He consistently steps beyond the formal boundaries of his role and engages deeply with the technical side of AI products."

— Narasimha Y, Lead ML Engineer at HyperVerge

Key Achievements

  • Revenue Impact

    Scaled 3 major modules to Product-Market Fit within 6 months, generating $1.2M ARR and driving a majority of company revenue in India.

  • Infrastructure Overhaul

    Redesigned backend infrastructure to support 85+ verification APIs, reducing deployment time by 50% and enabling rapid client onboarding.

  • Team Leadership

    Built and led a 9-person cross-functional team across engineering, ML, design, and QA — shipping four products in six months.