Ravi Gupta

Ravi Gupta

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Vice President of Product Management
San Francisco, California, United States

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Résumé

Jobs verified_user 0% verified
  • Forward Financing
    Vice President of Product Management
    Forward Financing
    Nov 2025 - Current (1 year)
  • M
    Product Advisor (Stealth Startups)
    Multiple StartUps in Mortgage Tech Health Tech and Consumer Tech
    Jan 2023 - Current (3 years 10 months)
    Advise early-stage fintech and consumer tech startups on product strategy, platform design, and go-to-market execution. Focus areas include lending infrastructure, embedded finance, and customer experience design. Highlights:
    • Supported a mortgage tech startup on product roadmap development, regulatory readiness, and API platform planning.
    • Advised a consumer retail fintech on embedded lending integrations, monetization strategy, and early UX testing.
    • Partnered with founders on hiring plans, MVP scoping, and product-market fit discovery.
  • LendingClub
    Senior Director: Personal Loans, Product & Growth
    LendingClub
    Nov 2018 - Oct 2025 (7 years)
    Lead product strategy and platform development for LendingClub’s $10B+ personal loan business. Built and scaled multiple 0→1 products across embedded finance, digital onboarding, fraud infrastructure, and AI-driven personalization—delivering material P&L impact across B2C and B2B channels.

    Highlights:
    • Launched a second-look lending product via an external partner, unlocking an $80B market of previously declined applicants. Scaled to $1B+ in annual originations and $50M+ ARR.
    • Scaled a cash-out refinance product to $800M+ in annual issuance and $40M+ ARR, optimizing UX, pricing, and targeting to drive NPS and retention.
    • Owned the digital onboarding platform powering $10B+ in annual loan applications and $500M+
  • PayPal
    Senior Portfolio Manager – SMB Lending
    PayPal
    Aug 2014 - Nov 2018 (4 years 4 months)
    Led global product strategy and growth for PayPal Working Capital and SMB lending. Scaled core lending products across U.S., U.K., and Australia, while driving international expansion and partner-led GTM execution in new markets.

    Highlights:

    🌎 Scaled PayPal Working Capital from $200M to $4B+ in annual issuance across U.S., U.K., and Australia. Led pricing, portfolio modeling, roadmap prioritization, and experiment design.

    📈 Built market-entry strategies for new regions (Mexico, Canada, Brazil), including build-vs-buy analysis, partner due diligence, and GTM playbooks.

    🛠 Integrated lending into merchant servicing workflows to enable cross-sell during support interactions—unlocking new acquisitio
  • PwC
    Senior Associate – Consumer Finance Group
    PwC
    Sep 2011 - Aug 2014 (3 years)
    Advised top U.S. banks on product, risk, and servicing strategy across mortgage, auto, and card portfolios. Focused on operational design, data-driven strategy, and regulatory readiness.

    Highlights:

    🧠 Led product optimization projects in card fraud and loss mitigation—balancing customer experience, operational efficiency, and profitability.

    🏛 Built and deployed a mortgage servicing analytics tool for a regional bank to meet regulatory and performance targets.

    🔍 Streamlined capital markets workflows by integrating pricing and compliance analytics for MBS-backed lending products.
  • HSBC
    AVP – Product & Financial Analytics (Credit Cards)
    HSBC
    Mar 2007 - Sep 2011 (4 years 7 months)
    Owned product analytics and portfolio strategy for two $5B+ credit card portfolios. Partnered with cross-functional teams to drive profitable growth through segmentation, pricing, and credit strategy.

    Highlights:

    📈 Built forecasting and P&L models to guide originations, re-entry, and portfolio valuation strategy.

    🔁 Shaped product features including risk-based repricing and balance build levers—adding $15M+ in incremental profitability.

    🤝 Partnered with marketing and risk to inform launch, re-entry, and retention strategies for mass and subprime segments.
Education verified_user 0% verified
  • D
    DeNobili School
    Denobili School
  • Massachusetts Institute of Technology
    Certification Couse, Fintech certificate course: Future Commerce
    Massachusetts Institute of Technology
    Jan 2016
  • UCLA Anderson School of Management
    M.S, Management
    UCLA Anderson School of Management
    Jan 2005 - Jan 2007 (2 years 1 month)
    Received a fellowship at Anderson School
    (Final Thesis Submission : July 2011)
  • Arizona State University
    M.S, Mechanical Engineering
    Arizona State University
    Jan 2003 - Jan 2005 (2 years 1 month)
    Received a Scholarship for being in the top rank in the Mechanical Engineering Depart.
  • Indian Institute of Technology Madras
    B.Tech, Mechanical Engineering
    Indian Institute of Technology Madras
    Jan 1999 - Jan 2003 (4 years 1 month)
    Mechanical Engineering, MEMS
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