Kunal Mukesh Chavda
Certified Scrum Product Owner® (CSPO) | Product & Growth Leader | Tech Enthusiast
Professional Summary
Platform Product Manager with 8 years of experience in InsurTech and FinTech, driving product strategy, platform scalability, and revenue growth. Expertise in leading and scaling B2C/D2C (Direct to Customer) and B2B platforms, optimizing customer journeys for assisted/unassisted sales, and integrating Agentic AI-driven automation to enhance acquisition, retention, and user experience. Skilled in Agile (Scrum) methodologies to drive cross-functional collaboration, iterative development, and efficient product delivery.
Work Experience
Lead Platform Product Manager
Jio Insurance Broking Ltd. (Entity of Jio Financial Services Ltd.)
Sept 22 – Present
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Led the development of an assisted sales platform serving 4 sales channels (in-store, HO, partner, and call center), enabling 30% faster policy issuance.
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Defined modular architecture with reusable components for quote, proposal, and payment journeys, reducing new integration time by 40%.
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Collaborated with tech vendors to design scalable APIs with configurable channel rights, improving governance and traceability.
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Leveraged data analytics and SEO insights to enhance digital lead flow and optimize conversion metrics across customer journeys.
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Conceptualized AI-driven initiatives such as lead scoring, document validation, and smart policy recommendations to improve sales efficiency.
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Worked cross-functionally with business, compliance, and tech teams to align platform scalability with strategic business goals.
- Increased revenue by ~20% through cross-selling strategies, bundling insurance products at checkout stage, and improved customer engagement
- Reduced customer drop-offs by ~36% by implementing data-driven UI/UX enhancements, streamlining policy purchase flows, and integrating third-party API services to auto-fetch user information, minimizing manual input and friction in the journey
- Awarded Execution Champion for implementing a fully digital POSP insurance agent onboarding journey using Robotic Process Automation (RPA), eradicating manual operations, and improved efficiency and productivity
Digital Product Manager
TATA AIA Life Insurance Company Ltd.
Nov 21 – Sept 22
- Acted as liaison between business, sales and IT teams to refine the platform and incorporate features with the help of design and tech based on the customer insights received from core insurance product and underwriting teams
- Led the planning, development & implementation of B2C platform to enable customers to seamlessly purchase the policy online
- Developed, maintained and refined product backlog/pipeline - gaining input from all stakeholders and prioritized as per business needs
- Optimized the digital policy purchase journey, reducing lead-to-payment drop-offs by 33% through UX enhancements, underwriting automation, and A/B testing-driven improvements
Product Manager
HDFC ERGO GIC
Apr 20 – Nov 21
- Translated the product concept, user journey and its execution strategy through wireframes, mind-map, and defining success criteria's for health, motor, and travel insurance products
- Optimized insurance buying journey to improve organic traffic to lead and lead to sale ratio, while working with IT, design, data, and marketing teams
- Developed and implemented a lead prioritization framework for call centers, optimizing the handling of organic vs. paid leads. Improved lead-to-sale conversion rates by 15% through intelligent allocation and predictive analytics.
- Worked on mobile friendly designs, thus increased mobile traffic by ~38% and reduced drop-offs by ~22% and thereby improved STP rates by ~5%
Product Analyst (Oct 18 – Jan 20)
Angel One Pvt Ltd (Payroll: KraftPixel)
Nov 16 – Jan 20
- Led website redesign & testing, focusing on UI/UX & functionality enhancements, and optimizing user flow to enhance engagement and retention
- Analyzed user behavior using tools like Google Analytics, Google Tag Manager, and Lucky Orange, identifying drop-off points and conversion bottlenecks to drive data-backed optimizations by conducting A/B testing on product page, iterating on design and content strategies
- Got appreciated from CMO for implementing AMP, thus increasing avg. time spent on the page, SEO rankings, and engagement. Optimized webpages; thereby reached page speed score above 90 for desktop and above 70 for mobile on Google PageSpeed Insights
- Assessed UX and UI designs for technical feasibility and collaborated with product team members to implement new feature developments
- Developed the entire frontend of the DIY Journey at Angel Broking and integrated APIs for Affiliate Marketing and Lead Generation Campaigns
Web Developer Intern
MAD Infotech
Jun 16 – Nov 16
- Developed websites using HTML, CSS, JavaScript, PHP, and Bootstrap, integrating MySQL & MongoDB while maintaining documentation
Academic Qualifications
| Qualifications | College/University | Year |
|---|---|---|
| Post graduate diploma (PGD) in Business Analytics | Kurukshetra University | 2019 |
| Bachelor of engineering (BE) in Computer Science | K.J. Somaiya Institute of Engineering & IT (Mumbai University) | 2016 |
Skills and Expertise
Product & Domain
- Digital Onboarding, STP (Straight Through Processing)
- Customer KYC Automation, RegTech, Embedded Insurance
- Sprint planning with Tech/UI/Business Teams
- Personas/UX Research for Insights, QA Testing
- Product & Competitor Analysis, Data Analysis
- Product strategy, Tech Innovation, and Digital transformation
Technical
- Languages & Frameworks: HTML, CSS, PHP, Javascript, Angular, .Net, Java, React, NextJS, Bootstrap, Python, SQL
- CMS: WordPress, Drupal, Sitefinity, Adobe Experience Manager, Strapi
- Data and CRM: GA, GTM, JIRA, MS Azure, MS Excel, MS Word, MS Powerpoint, Zoho, SaleForce
- Agile Project management, User Stories, Zoho projects, Confluence
- Documenting requirements
Courses / Training / Publication
Certified Scrum Product Owner® by Scrum Alliance – CSPO®
SCRUM Alliance
Agile at Work: Planning with Agile User Stories
Coursera
Digital Product Management: Modern Fundamentals by University of Virginia
Coursera
Agile Meets Design Thinking by University of Virginia
Coursera
Becoming an AI-First Product Leader
LinkedIn Learning
Agile Foundations
LinkedIn Learning
Generative AI by Google Cloud
LinkedIn Learning
Technical Product Management
LinkedIn Learning
Google Analytics and Google Tag Manager by Google
Udemy
Design Thinking: Customer Experience
Udemy