Niraj Kumar.
Product manager building
AI products in fintech, insurance, and legaltech.

Building partnership products at the seam between Policybazaar's insurance ecosystem and the care programs delivered on top of it; PB Health acquired Fitterfly in Aug 2025.

• Own the commercial layer of partnership products: monthly revenue scaled from $36K to $60K in 2 months (67% growth) by redesigning partner onboarding, repricing the upsell flow, and tightening integrations.
• Lead multi-stakeholder enterprise rollouts across 6 partners: HDFC, Aditya Birla Health Insurance (ABHI), Star Health, PharmEasy, Docprime, and Policybazaar. Configurable per-partner onboarding flows, joint commercials, and shared retention metrics.
• Lifted user onboarding conversion by 30% through ops-process redesign and communication-flow overhaul; defended the revenue case to senior leadership before engineering build started.
• Drive lifecycle engagement and retention via MoEngage and CleverTap: notification orchestration, segmentation, and behavioural cohorting.
• Integrate Fitterfly's care programs into PB Health's wider insurance ecosystem and partner journeys, packaged as value-added benefits inside insurer offerings.

AI-native operations platform so doctors can focus on treatments rather than ops.

• Advise on product roadmap and 0-to-1 launch priorities for the clinic-operations platform.
• Mentor the PM team on PRD structure, pricing experiments, and partner integrations.

Configurable B2B SaaS sold largely through insurers, with multi-stakeholder rollouts (insurers, employers, end-users, coaches) and an insurance-led acquisition channel.

• Launched the in-app Store MVP, Fitterfly's first direct-purchase upsell surface: shipped pricing and packaging for 4 program tiers, generating $48K+ in revenue within 6 months of rollout with coach-led ARR held flat.
• Owned end-to-end product lifecycle for the Prime program (discovery, PRD, GTM): commercial sizing, pricing, and launch; lifted program sales by 10%.
• Designed and shipped a custom B2B partner PWA: configurable onboarding journeys for insurance partners; onboarded 10,000+ policyholders monthly.
• Led design and 0-to-1 launch of the DTx (Digital Therapeutics) backend platform, a configurable workflow product across 4 internal stakeholder roles; reduced coach handling time by 50%.
• Designed the Therapy Design Engine: a coach-less, adaptive intervention system that extended program reach beyond the high-touch coaching segment, opening a lower-cost commercial tier.
• Built in-app feedback flows that reshaped how the team understood and prioritised user needs.

Two parallel B2B SaaS ventures bootstrapped from zero: Legex (AI legaltech) and Inbooks (bookkeeping + in-house CFO services). YC W19 final-round finalist (top 5% of 10,000+).

• Co-founded and led Inbooks as PM, a B2B fintech: bookkeeping + in-house CFO services platform with partner-led distribution at a 10 to 15% revenue-share program. Owned pricing, packaging, build-vs-buy on each integration, and the commercial reasoning behind every feature shipped. Scaled to 50+ paying businesses and $50K+ in revenue within 6 months.
• Co-led product on Legex, a parallel AI-powered legal search engine (semantic search and ranking over Indian case law and statutes): cut research time by 2.5 days per case and bootstrapped to $120K+ in revenue within 24 months at 3% MoM MRR growth.
• Selected among the top 5% of 10,000+ startups for the Y Combinator W19 final interview round.
• Built internal automation tools for legal documentation and compliance, reducing service turnaround by 30%.
• Scaled the combined team to 8 engineers and 13 interns before acquisition.

PathWave electronic-design automation platform. Concurrent with the early bootstrapping of Legex.

• Contributed to the PathWave end-to-end automation framework for components and plugins.
• Built PathWave Foundation PVP verification and IPC connectivity for plugin-to-plugin communication.
• Set up Jenkins CI/CD with Kubernetes-based container orchestration.

Pre-Legex internships across consumer software and defence research.

• Software Developer, Debox Design (2017): built a cross-platform React Native app with a Google Assistant action to help students manage attendance.
• Research Intern, DRDO ISSA Lab (2016): used computer vision and linear algebra (Python) to compute optimal radar placement for max bomb-area coverage.