Alvin Varghese Email and Phone Number

- JusPaisa was a failed fintech AI startup that made investments easier for middle class Indians. - Conducted in-depth customer research across Tier 3 and Tier 4 cities, uncovering key insights into middle-class investment habits.- Spearheaded the end-to-end development of a groundbreaking investment product, Fixed Deposits, launched in collaboration with financial giants like Shriram, Mahindra, and Bajaj Finance.Introduced India’s fastest FD onboarding process, enabling users to open Fixed Deposits in just 1.5 minutes, a significant improvement over the industry average of 10+ minutes.- Designed and delivered a seamless customer experience in vernacular languages via WhatsApp, resulting in 80%+ CSAT for simplicity and ease of use.- Achieved 10x faster onboarding compared to traditional Fintech apps, setting a new benchmark in user-centric financial services.- Navigated high customer acquisition costs (CAC) and tackled industry-wide challenges in contribution margins, although the startup ultimately faced funding constraints and ceased operations.

- Accounts Module Leadership: Led the Accounts module across UK, India, and Germany, introducing innovative features such as Sub-accounts and Pots to enhance functionality and compliance. These improvements generated an additional £150K in revenue within a quarter.- Current Account Switching Service (CASS): Single-handedly managed the CASS product in the UK, facilitating seamless switching of business current accounts between banks. Achieved accreditation from Pay.UK and enabled Tide to secure £20M in funding from BCR funds. Partnered with 4+ ClearBank teams and coordinated with 15+ internal Tide departments to deliver the product from scratch, driving a £3M+ increase in switched balances within 3 months of launch.- Payments Module in India: Spearheaded Tide’s payments module, launching new revenue-driving features such as Bill Payments and Wallet-to-Bank Transfers, which contributed £300K+ in additional quarterly revenue.- Cross-Border Collaborations: Worked with banking partners like PPS, ClearBank, Barclays, and payment providers such as CurrencyCloud and Exela, ensuring seamless integrations and operational efficiency.- Strategic Product Roadmaps: Developed 5-quarter product roadmaps and defined product strategies, aligning them with business goals to drive user-centric innovation.- UX/UI Redesign: Conducted extensive user research sessions and workshops, redesigning the Accounts and Payments interfaces to improve usability and customer satisfaction.

- Neo-Banking & Goal-Based Savings Accounts: Led the development of Neo-bank and Goal-based savings account initiatives tailored for merchants using Mswipe’s mobile application and POS Machines, empowering SMEs to manage their finances more effectively.- Product Suite Revamp: Revamped and redesigned Mswipe’s product ecosystem, including the merchant portal, mobile apps, and websites, delivering a cohesive and intuitive user experience.- BoomBox (UPI SoundBox): Spearheaded the design, development, and launch of the UPI SoundBox, a hardware innovation for seamless payment notifications in the SME sector. Managed the entire product lifecycle, including conceptualization, logistics, operations, compliance, risk monitoring, and third-party integrations.- Payments Ecosystem: Enhanced payment modules like UPI, POS Machines, and Payment Aggregators, creating efficient dashboards for merchants to streamline transactions and gain actionable insights.- Operational Excellence: Worked with multiple stakeholders, including third-party vendors, to incorporate cutting-edge integrations, ensuring seamless functionality and compliance with legal and fraud prevention protocols.- Merchant Onboarding Optimization: Improved the Merchant Onboarding process, reducing onboarding time by 1.5x, resulting in a faster go-to-market experience for SMEs.

- Physical Card Ecosystem: Collaborated with vendors to integrate APIs and documentation for Infino’s physical card, and led the development of iOS and Android applications to manage the card, ensuring seamless user experiences.- Innovative Rewards Features: Strategized and built a custom mobile keyboard and Chrome app extensions that delivered additional rewards to customers, driving a 40% increase in Monthly Active Users (MAU).- Personalized Offers & Social Graph: Designed and launched iOS and Android applications that recommended tailored offers and rewards based on customers' existing finances. Integrated a social graph feature enabling customers to follow brands and gain personalized shopping insights.- Revenue Growth: Introduced transaction-facilitating features that boosted revenue by 30%. Took bold, data-driven decisions to eliminate underperforming features, optimizing the app’s value proposition.- Onboarding & Retention Overhaul: Revamped the onboarding process and reimagined core features from scratch, increasing user retention by 45% and improving the NPS score by 60%. Successfully reduced onboarding dropouts to less than 5%, setting a new benchmark for user engagement.

Swift India Conference is an international developer community gathering about the latest advancements in Apple technologies. The event is about bringing together talent from all around the world to collaborate and share advanced knowledge and techniques to improve App Development for Apple platforms.

Developed more than 40+ apps for iPhone, iPad, macOS, and Apple Watch for various companies. Works got featured in The Verge and The Hindu.