Manthan BhardwajBengaluru, India
Five years building and scaling 0→1 products across fintech, AI, and platform - 300K+ users served, first-time conversion lifted to 66% at Refyne, and an AI-native platform scaled to 300+ customers as co-founder & CPO. Built on a full-stack engineering foundation.
The 40-person team that scaled DigiStay to 300+ hotels.
Users served
Across B2B2C and enterprise surfaces
Hotels scaled
~10,000 rooms in 12 months, zero paid spend (DigiStay)
Conversion lift
+21 pts first-time-transaction (Refyne)
YoY growth
Refyne product lines
Embedded-lending disbursal
Across three 0→1 products
Total disbursed
Refyne EWA platform lifetime
Front-desk tasks automated
Agentic-AI workflows, DigiStay
Team led
Cross-functional, two cities
Proof of work
The work, up close.
Five years of shipping - from a Prime Minister's stage to a hotel front desk at midnight. Real moments, not mockups.
Presented DigiStay to PM Narendra Modi at the Devbhumi Rajat Utsav summit.
Agentic AI check-in & ID verification - live at a hotel front desk.
Took the AI Hotel Manager to the national stage at the AI Impact Summit.
It started with four - tech, product, design, and sales in one room.
On the ground - onboarding hotels across the hills, laptop on the car boot.
Scaled to a 40-person team and 300+ hotels in 12 months.
Celebrating the wins, together.
Building it with Abhinav, my co-founder.
Money Guru crossing 100K users - a 0→1 product I led from scratch.
Recognized for an experimental mindset - Polaris, Mr India, and more.
On stage, sharing the financial-wellness impact we built.
Building one of India's credit-score platforms.
Where it began - roadmap reviews in the first, scrappy office.
Selected Work
Three flagship products, end-to-end.
From enterprise systems to fintech growth to founding an AI-native platform - each backed by numbers.
Selected impact
About
Product judgment built on an engineering foundation.
Senior product manager with 5 years shipping and scaling 0→1 products across fintech, AI, and platform, on a CS and full-stack engineering foundation.
Owns strategy, roadmap, and experimentation for B2B2C and enterprise surfaces serving 300K+ users - lifting conversion 45%→66%, driving 100% YoY growth, and scaling an AI-native platform to 300+ customers as co-founder/CPO.
Recognition & teams I’ve shipped with
What’s next
Building something?
Let’s talk.
Open to senior / lead PM and Head-of-Product conversations.