Srinivas Gollapudi — Product Leader, Financial Services

01 · Profile

"Turn ambiguity into clarity, then into reliable systems."

Over ~13 years I have built a reputation for solving complex fintech and lending problems across banks, NBFCs, and B2B SaaS platforms, combining first-principles thinking, structure, and execution rigor. I led Open Banking, Retail Asset Partnerships, and other digital initiatives at Federal Bank, helped build the on-book credit stack and NBFC rails at Groww, and now steer core lending product at M2P Fintech across LMS, collateral management, collections, reports, platform stabilisation, and enterprise solutioning. I strengthen systems through documentation and standards, and find innovative yet grounded solutions where product, policy, operations, and platform complexity collide.

02 · How I create value

Four ways I move the needle.

Build 0→1, future-proof

Stand up new businesses and platforms from scratch: NBFC rails, in-house LOS, BRE, and Collections, and a configurable Collateral Management System built 0→1. I design every build for abstraction, reuse, and future-proofing from day one.

Solve the hard problems

First-principles solving where product, policy, accounting, and platform collide: EMI and interest math, EIR / ECL and revenue recognition, reconciliation and accounting fixes, EOD and data flattening, migrations, and edge cases like backdated and suspense transactions.

Command the domain

End-to-end mastery of the lending and financial-services stack: origination, servicing, collateral, collections, accounting, reporting, and the regulation around them, across banking, NBFC, and fintech. The person teams rely on to get it right.

Empower the team

Carry teams through tough transitions, turning ambiguity into clarity. I mentor and coach cross-functionally, keep morale high, and I am the person people come to for advice. And I teach, building learning material and meticulous documentation, with AI as a force multiplier.

03 · Experience

Where I've built and solved.

M2P Fintech

Director, Product Management
Jun 2024 — Present

Lending Systems

Core lending systems ownership. Lead the core lending stack across LMS, Collateral / Securities Management, Collections, Reports, platform stabilisation, and knowledge management, the pivotal product node across the lending landscape.
Securities / Collateral Management System, built 0→1. Conceptualised and shipped an ultra-configurable collateral platform with an in-house orchestration layer enabling a lend-against-anything capability.
High-precision EMI engine. Designed a non-iterative, high-precision EMI computation method to replace goal-seek, handling broken-period interest, part-payments, advance EMIs, and tranche disbursements with exactly zero residual principal.
Revenue recognition on migrated books. Solved complex EIR / amortised-cost and revenue-recognition problems for migrated loan portfolios, delivering fully reconciled outcomes across multiple post-migration scenarios.
Enterprise LOS win. Originated and shaped a multi-crore enterprise banking LOS engagement, from first lead to a signed enterprise programme.
Lending SME & escalation solver. Go-to problem solver for flagship enterprise programmes (domestic and MENA), unblocking accruals & waivers, suspense and backdated transactions, migration, EOD / data flattening, reporting, and EIR / ECL complexity.
Strategy & standards. Authored the lending org's North Star metric framework, drove competitive benchmarking, and raised delivery quality through PRD / story standards, accounting explainers, and reports standardisation.
AI practice at scale. Built and scaled a reusable AI practice across teams, compressing documentation and solutioning from weeks to hours, while building and mentoring a high-calibre product team of 10+.

Groww

Championing Credit Product
Jul 2022 — Jan 2024

NBFC 0→1

NBFC 0→1 launch. Spearheaded the NBFC zero-to-one journey, contributing to a successful launch within ~5 months of receiving the final NBFC licence from the RBI.
Sole product lead → Credit Platform. Sole product lead on the NBFC build-out through launch, later leading product for the integrated Credit Platform spanning LOS, LMS, onboarding / KYC, collections, and payments.
In-house lending stack. Instrumental in building the in-house LOS, middleware, the first in-house BRE, in-house Collections, and owned the LMS end-to-end.
Rapid scale. Helped scale a new NBFC loan book to several hundred crore within months of launch, laying the foundation for further growth.

Federal Bank

Digital Transformation · 9 Years
Jul 2013 — Jun 2022

Branch → Open Banking

Head, Retail Asset Partnerships. Helped form a dedicated Fintech Partnerships function, laying the groundwork for scaling digital credit through personal loans and co-branded / commercial credit card distribution.
Open & API Banking. Led Open Banking and digital initiatives at the heart of the bank's fintech transformation, as one of its most impactful technology-side product leaders.
Nine-year arc. Progressed from branch banking to digital and fintech transformation, building deep domain mastery across the retail-lending and banking stack.

05 · Recognition & Education

Honors, awards & foundations.

Federal Star

Federal Bank recognition for contributions during the 2018 Kerala Floods rescue and relief operations.

Winner, Thinkbox Challenge

Federal Bank, 2017. Led the winning team among the bank's product / project teams, judged by a panel of VC investors and the MD & CEO.

Gold Medal

St. Joseph's High School, Hyderabad. Topped the school in the 2005 Public Examination.

Education

PGDM, Finance & HR (MBA-equivalent)Institute of Public Enterprise · First Division 74.85%

2011 — 2013

B.Com, ComputersBadruka College of Commerce, Osmania University · First Division 81.8% · CAT 93.4

2008 — 2011

Certifications: CAIIB (IIBF, 2016) · Certificate Course in Foreign Exchange (IIBF, 2017) · Fintech Foundation Program (10x1000 Tech for Inclusion, 2021)

I solve the hardest problems in financial services.