Nikhil Kashid
Head of Product (Contract)
Experience
Head of Product (Contract)
illuminem
- Leading product strategy and platform development for B2B sustainability solutions.
Product Strategy Consultant
Freelance
Conducted market research and discovery workshops to define product investment strategy for Parkopedia in-car payments.
Designed MVP, go-to-market strategy and monetisation for fleet-focused payment platform, collaborating with CXOs and tech teams.
Led mission-critical payments platform migration at Outfittery during company merger, managing stakeholder engagement across legal, compliance, and technical teams.
Designed and led MVP development for Procurabl, an AI-powered industrial procurement platform, using low-code tools (Supabase, n8n).
Entrepreneur in Residence
Antler (Chargebird)
Researched charging and energy ecosystem, understood protocols like OCPI, OCPP and connected car software to identify needs and partners.
Defined core problem statement, solution architecture and quantified market opportunity for co-founders and investors to evaluate business viability.
Senior Product Manager
topi
Joined as first product hire to define product vision, establish KPIs and build out the product organization.
Directed platform development enabling retailers to offer hardware-as-a-service across e-commerce and in-store channels, taking product from conception to launch with first four retail partners.
Senior Product Manager - Online Payments Platform
SumUp
Led two cross-functional squads (nine engineers, UX designer, analyst) building a payment processing platform enabling online card acceptance and alternative payment methods across 31 countries in Europe and Latin America.
Drove strategic platform transformation using a data-driven approach, achieving 50% year-over-year growth in new merchants and exceeding €1 billion GMV.
Product Manager - Core Payments
Zalando SE
Led the new deferred payments (buy-now-pay-later) product from ideation and prototyping through rollout across three major European markets, expanding payment flexibility for customers.
Worked on strategic initiatives to mitigate the impact of PSD2 Strong Customer Authentication regulation on GMV, preventing an expected decline in checkout conversion rates through optimized user flows.
Senior Product Manager - Consumer Payments
PayU India
Launched PayU’s consumer wallet on Unified Payments Interface (UPI), facilitating over 10 000 daily transactions and establishing a new revenue stream in digital payments.
Conceptualized and designed seamless integration of a Pay Later product offering faster, frictionless merchant payment experience.
Co-Founder & Chief Product Officer
Coin
Led company from inception through $500 000 seed round, managed a team of 20 employees and delivered three major product releases.
Pioneered India’s first hands-free mobile payment using BLE and Wi-Fi tokenization.
Successfully exited via acqui-hire to PayU India.
Credit Analyst - Collections Strategy
JPMorgan Chase
Managed a multi-billion dollar credit card workout program portfolio.
Developed business controls for disaster relief programs.
Analyst - Retail Risk and Credit Policy Analysis
HSBC
Conducted stress testing for secured and unsecured portfolios of HSBC’s North American business.
Managed portfolio for sub-prime mortgage products.
Industries Experience
See where this freelancer has spent most of their professional time. Longer bars indicate deeper hands-on experience, while shorter ones reflect targeted or project-based work.
Experienced in Banking and Finance (7.5 years), Fashion (5.5 years), Automotive (3 years), Manufacturing (3 years), Retail (3 years), and Information Technology (1 year).
Business Areas Experience
The graph below provides a cumulative view of the freelancer's experience across multiple business areas, calculated from completed and active engagements. It highlights the areas where the freelancer has most frequently contributed to planning, execution, and delivery of business outcomes.
Experienced in Product Development (11 years), Strategy (5.5 years), Information Technology (4.5 years), Procurement (3 years), Project Management (3 years), and Finance (3 years).
Summary
Product leader with 12+ years building scalable platforms across FinTech, Sustainability and Industrial B2B SaaS domains. Proven track record taking products from 0→1 to multi-country scale, leading cross-functional teams through complex domain challenges, and translating strategy into resilient systems. Co-founded mobile payments startup (acquired by PayU), built multi-country payment platforms at SumUp and Zalando. Hands-on executor comfortable in ambiguity, obsessed with outcomes.
Skills
Core Competencies
- Product Strategy & Vision
- 0→1 Development
- Platform Architecture & Scalability
- Cross-functional Leadership
- Data-driven Decision Making
- Client-facing Discovery
- Rapid Prototyping & Mvp Development
Domain Expertise
- Fintech & Payment Systems
- Card Processing
- E-commerce
- Climate Tech
- Industrial B2b Saas
- Regulatory Navigation (Psd2, Upi)
Technical & Tools
- Machine Learning
- Low-code Development (Supabase, N8n)
- Apis & System Design
- Sql
- Python
- Analytics (Mixpanel, Google Analytics)
- Figma
- Github
- Postman
Languages
Education
Indian Institute of Technology Bombay
BTech · Metallurgical Engineering & Materials Science · Mumbai, India
Certifications & licenses
AI In Finance
DeepLearning.AI
Neural Networks & Deep Learning
DeepLearning.AI
Structuring Machine Learning Projects
DeepLearning.AI
Profile
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