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RefyneAug 2022 – Sep 2024Bengaluru, India

Scaling India’s largest Earned Wage Access platform

India’s largest Earned Wage Access platform - 150K+ registered users, $50M total disbursed. Owned conversion, embedded lending, and new high-volume segments.

FintechGrowth0→1Platform

Role

Product Manager

Timeframe

Aug 2022 – Sep 2024

Team

3 PMs, 2 designers

Scope

EWA, lending, embedded commerce

Recognition

"The Visionary" award

Outcomes

0→0%
+21 pts

First-time conversion

$0K/mo

Embedded-lending disbursal

0%

YoY growth

0→0.0 wk
−42%

B2B integration time

Context

Refyne is India’s largest Earned Wage Access platform - 150K+ registered users and $50M disbursed over its lifetime.

Growth depended on two things: converting first-time users, and opening new high-volume segments and revenue lines beyond core EWA.

My role

I owned the roadmap and OKRs across EWA, financial-wellness, and embedded-commerce lines, leading a team of 3 PMs and 2 designers.

I personally drove the onboarding redesign, the three embedded-lending products, and the gig-worker EWA launch.

Approach

Redesigned onboarding and repackaged the first-time experience to lift conversion, validated through A/B experimentation.

Launched three 0→1 products to drive embedded-lending disbursal: Money Guru, SEBI-certified Financial Literacy Sessions, and an Employer Purchase Programme.

Standardized the B2B integration playbook - HRMS partnerships and a unified SDK - to cut onboarding time and unlock enterprise logos.

Highlights

Through an onboarding redesign and repackaging of the first-time experience, validated with A/B experimentation.

Artifacts

Refyne team in front of a screen showing 100K users on the financial-literacy feature.
The day Money Guru's financial-literacy feature crossed 100K users - a 0→1 product I led from scratch.
Refyne award certificates addressed to Manthan Bhardwaj.
Recognition at Refyne - the Experimental Mindset, Polaris, and Mr India awards.
Manthan presenting Refyne's financial-wellness impact.
Speaking on the financial-wellness impact we created with Money Guru.
Working on the credit-score platform at Refyne.
Building one of India's credit-score platforms.

Results

Lifted first-time-transaction conversion 45%→66% (+21 pts) via onboarding redesign and repackaging.

Drove ~$600K/month in embedded-lending disbursal across three 0→1 products.

Launched India’s first EWA product for gig workers with Swiggy, Zepto, and Ekart.

Cut average B2B integration time 6→3.5 weeks; onboarded Flipkart, Sodexo, LTTS, and Cipla.

Reflection

Conversion is a packaging problem as much as a UX one - repositioning the offer moved the number as much as the flow redesign.

A standardized integration playbook turns each enterprise deal from a bespoke project into a repeatable motion.

Let’s talk