Mittul Desai

Product Leader & GM

Saudi Arabia's leading HR and payroll platform — thousands of businesses, digitized workforce, payroll and embedded financial services.

• Lead six zero-to-one products across HR tech and embedded fintech — Cards, Travel, Expense, Insurance Broking, Payroll Wallet, Earned Wage Access — across teams in four countries; drove a 20% lift in product attach rate.
• Conceived and shipped AI policy ingestion: customers upload their existing expense-policy PDF and the system parses it into a complete executable rule set, then derives the approval workflow from the employee graph — eliminating the manual configuration that gated every enterprise onboarding.
• Shipped AI-powered receipt OCR and the spend control engine, closing the loop from capture through policy enforcement to payroll-integrated reimbursement.
• Piloting LLM policy reviewers and MCP-driven internal agents in the product org's own workflow, compressing research and spec cycles.
• Built the cross-functional team from scratch — 14 people (3 PMs, 3 designers, 8 engineers) — and implemented portfolio OKRs, accelerating time-to-market 30%.
• Led GTM for payroll wallet and insurance — 15,000+ flights booked, SAR 10M+ annualized GWP pipeline; secured bank, card-issuer and insurer partnerships for co-branded enterprise programs.
• Shaped company-wide regulatory positioning — WPS, Insurance Aggregation License, EMI license, SAMA wallet limits, digital salary disbursement.

Product Head

Reliance group's financial services arm — payments, lending, insurance and bank accounts for Bharat.

• Owned digital lending at Jio Finance, the NBFC arm — building consumer and vendor credit on the group's distribution and brand.
• Launched Loan Against Mutual Funds with a first-in-market end-to-end digital journey, scaling to ₹500Cr+ in 9 months.
• Launched Loan Against Property and Home Loan — ₹400Cr+ book within 6 months; and Business Loans from scratch for ecosystem vendors.
• Drove underwriting, KYC and journey design against RBI digital-lending rules — deciding where automated decisioning is defensible and where a human stays in the loop.

Associate Director, Product

India's first full-stack financial solutions company; RazorpayX Capital is its lending and corporate-spend business unit.

• Scaled RazorpayX Corporate Cards from zero to 10,000+ businesses and ₹100Cr+ monthly spend, with 10x growth two years running on both spend and customer base.
• Led the strategy to win SME and startup segments, which became 70% of the customer base.
• Promoted to lead product for the Capital business unit — Corporate Cards, Lending, Instant Settlement — mentoring the PM org across corporate banking.
• Operated across the RBI perimeter (cards, digital lending, PPI/PA-PG) with risk, compliance and banking partners.

Head of Product

Conversational AI for enterprise HR — a single NLP interface across fragmented HR systems.

• 300% quarterly revenue growth from a new employee-engagement product line built on the core chatbot — bot-driven eNPS, sentiment analytics, leadership-facing workforce insights.
• Cut deployment from 45 to 25 days via automation and process redesign, lifting deal conversion 35%; grew WAU 28% with new bot capabilities.
• Led a dashboard and bot-interface revamp — +30 NPS; shipped the Leena AI iOS app. Managed 2 PMs and 3 designers, reporting to the founder.

Product Manager

Travel & expense management SaaS for Indian SMEs and enterprises.

• Spearheaded the Analytics Module — self-serve spend, policy-violation and category insight for finance teams — and stood up internal product analytics, surfacing friction that drove a platform-wide navigation redesign.
• Re-architected sprint planning for +12% engineering productivity.

Cofounder & CEO

Live-performance analytics helping music venues align programming with audience demand.

• Ran founder-led research across venues and programmers, shipped the MVP, and closed the first 15 paying venues.