Prayush Gupta-Product Leader With 10+ Years Across Digital Banking, SME/Retail Lending, Payments, and Credit Risk
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Experience
Vice President - Product
Emirates Development Bank
- Led 0→1 launch of EDB360, an SME digital bank delivering digital onboarding, deposits, transfers, virtual debit cards & payments services
- Defined product strategy & led cross-functional squads to build end-to-end payment settlement & exception handling workflows across onboarding, payments & lending
- Redesigned the customer KYC/KYB journeys enabling STP (~15 min) & near-STP (same day) processing, onboarding 1,200+ businesses within 3 months of launch
- Designed debit card settlement flows, clearing cycles, dispute handling and built reconciliation & reporting layers improving settlement accuracy & operational controls
- Redefined our mSME lending strategy, scaling to ~AED 900M annual deployment
- Launched UAE's first Manufacturing Incubator, supporting 10+ startups each cohort
Lending Product Manager
Wio Bank PJSC
- Led design & development of a modular microservices based Lending-as-a-service infrastructure enabling rapid launch of 6+ Retail & SME products
- Established self-serve analytics and reporting framework for portfolio reconciliation, settlement monitoring, and regulatory reporting (CBUAE/FTA)
- Collaborated with card-issuing partners to support the launch of credit cards
- Led Wio Invest data platform integration with investment partners for trade, settlement, and portfolio reconciliation across equities and cryptocurrencies
- Led development of fraud risk module, flagging anomalous in-app user behavior and integrating into transaction monitoring and settlement
Merchant Lending Lead
PineLabs Pvt Ltd
- Built a Loan Origination and Management system from the ground up, underwriting 150k+ merchants by leveraging POS data, fraud incidents, & behavioral data
- Developed business plans, roadmaps & established partnerships with 7+ lenders to launch Co-Branded SME credit cards and Merchant Cash Advance products
Product Manager, Data Science & Analytics
TransUnion CIBIL
- Launched New-To-Credit product - 1.5M+ monthly users, 20% increase in revenues
- Standardized Custom Scorecard delivery workflows, reducing TAT by 33%
- Managed 10+ projects, deploying risk scorecards & policy frameworks for FIs
Manager, Data Products
Seynse Technologies
- Developed a consumer durable lending proposition using Telco usage & billing data outperforming traditional credit bureau models (80% lower NPA rates)
- Built an NLP income verification tool using bank statements reducing TAT by ~93%
Co-Founder
Zariya Humanity Foundation
- Co-founded a digital platform combating violence against women
- Supported 1,200+ survivors from 25+ states across India with a team of 15+ volunteers & 50+ non-profits
Team Lead
Zidisha
- Led Data Science, Product & Customer Service teams (5+ volunteers) for Indonesia & Kenya operations of an international P2P Lending platform
Business Analyst
Various Companies
- Built core operating workflows 0→1 & automated risk reporting for Tier-1 banks
- Responsible for everything related to capital raising and management, managing the pre-series A deal end-to-end
- Automated reporting processes, reducing manual work by 15% for a large multi-national Bank in UK
- Awarded “PROMISING NEWCOMER” for optimizing risk model codes to reduce run times by ~12.5%
Industry experience
See where this freelancer has spent most of their professional time.
Experienced in Banking and Finance.
Business area experience
See which departments and functions this freelancer has contributed to most.
Experienced in Product Development, Information Technology, Business Intelligence, Operations, Finance, and Project Management.
Summary
Product leader with 10+ years across digital banking, SME/retail lending, payments, and credit risk. Led 0→1 fintech launches in India and the UAE (scaled lending to ~AED 900M/year). Currently on a planned sabbatical, exploring DeFi and consumer savings innovation.
Skills
Product & Design
- Jira/Trello
- Confluence
- Figma/Miro
- Canva/Visio
Domain Expertise
- Digital Banking
- Sme/Retail Lending
- Onboarding
- Payments
- Defi/Web3
Ai & Data
- Analytics (Python/R)
- Advanced Sql
- Nlp/Ml Modeling
- Powerbi/Tableau
- Excel (Vba)
Languages
Education
NSIT (Delhi University)
B.E. · Mechanical · New Delhi, India
Statistics
Experience
Global experience
Expertise
Qualifications
Profile
Frequently asked questions
Have questions? Find more information here.
Prayush is based in Dubai, United Arab Emirates and can operate in on-site, hybrid, and remote work models.
Prayush speaks the following languages: English (Native), Hindi (Native), Lithuanian (Native).
Prayush has at least 10 years of experience. During this time, Prayush has worked in at least 8 different roles and for 8 different companies. The average length of individual experience is 1 year and 3 months. Note that Prayush may not have shared all experience and actually has more experience.
Based on recent experience, Prayush would be well-suited for roles such as: Vice President - Product, Lending Product Manager, Merchant Lending Lead.
Prayush's most recent position is Vice President - Product at Emirates Development Bank.
In recent years, Prayush has worked for Emirates Development Bank, Wio Bank PJSC, PineLabs Pvt Ltd, and Zariya Humanity Foundation.
Prayush is most experienced in industries like Banking and Finance.
Prayush is most experienced in business areas like Product Development, Information Technology, and Business Intelligence. Prayush also has some experience in Operations, Finance, and Project Management.
Prayush has recently worked in industries like Banking and Finance.
Prayush has recently worked in business areas like Information Technology, Product Development, and Strategy.
Prayush holds a Bachelor in Mechanical from NSIT (Delhi University).
Prayush is immediately available full-time for suitable projects.
Daily rate distribution
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Average rates for similar positions
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The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 28 Aug 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
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