Hello! I'm
Himani
Sharma
Consumer-fintech roots at Paytm, product ownership at a payments aggregator, now building with AI. Moving deeper into payments infrastructure.
- Acceptance
- UPI · cards
- Lending
- Postpaid · loans
- Collections
- & payouts
- Settlement
- & recon
Who I am
About me
I'm a payments and fintech product manager. At Paytm I worked across UPI (P2M and P2P), lending and co-branded cards. Most recently, as a Product Associate at SabPaisa (a payments aggregator), I shipped from spec to launch, took new products to market, and contributed to the annual operating plan.
I also build with AI, so the products I design, I can ship myself.
01 · What I do
What I do
A payments & fintech PM working across UPI, lending and onboarding. I use AI to build the products I design.
Payments & Fintech
Consumer & B2B
B2B product work at a payments aggregator. Consumer-fintech exposure at Paytm: UPI, cards, lending, collections and payouts.
A fintech PM who builds
Comfortable in the codebase
I use AI tools to turn product ideas into working software I can test and improve.
Commercial & Growth
Research, GTM & pricing
Authored the market research behind the SabPaisa 3.0 products launch: ICPs and personas, competitive analysis, onboarding benchmarking, market sizing, pricing and lead-gen. Worked with product and business leaders to finalize the launch set and align positioning, and turned the research into per-product GTM plans, one-pagers and landing-page reviews. Built team-distributable plugins and programmatic launch videos for internal and external communications.
Reconciliation & Settlement
Self-built proof project
PayOps is a project I built to work through reconciliation and settlement: it matches orders, gateway exports and bank settlements, calculates net settlement after fees and GST, and flags 7 types of exceptions. The math is rule-based; AI only drafts the investigation notes, never the numbers.
02 · Experience
Career & experience
Product Associate
SabPaisa
Worked across product delivery, go-to-market and partner-bank pitches for the 3.0 payments launch (a new Payment Gateway, the QwikPaisa no-code payments suite, merchant onboarding, settlement, orchestration, POS and SoundBox). Closed a merchant-onboarding gap: built the platform's first re-verification (Re-KYC) flow, frontend and backend, live to about 135 merchants in the opening cycle. Solved for both sides: a risk-based trigger for merchants and a verifier-and-approval flow for internal ops. The call: make the trigger configurable for ops (due-date, last KYC, periodic) rather than hardcode one rule, so re-verification policy could change without an engineering cycle. Was in the core group for the company's AI-first shift and 10-day hackathon, and contributed to the annual operating plan.
In the press: SabPaisa's AI-first launch ↗Product Associate (Freelance)
YourGold
Integrated Cashfree's UPI gateway for live gold buy/sell and payout flows, building the onboarding, verification and error-recovery logic for reliable disbursements.
Product Operations Associate
Paytm
Worked across 10+ products at Paytm, leading optimization of Postpaid, Personal Loans and co-branded Credit Cards, and playing a key role in the rollout of UPI across all transaction types (P2M online and offline, and P2P). Drove data-driven product enhancements from user feedback and transaction data, lifting productivity ~93% and quality ~96%. Launched and ran Paytm's product social channels on LinkedIn and Instagram. R&R award, 2022–23.
03 · Selected work
My work
PayOps Copilot
Payments Ops · Reconciliation
Payment-ops teams reconcile across three sources that never quite agree, with no clear owner or audit trail. I built a workspace that matches them, computes net settlement after fees and GST, and flags 7 exception types. The key call: keep the math rule-based and let AI only draft the investigation notes, never the numbers.
Tools & features
04 · Toolkit
My tool stack
The tools I use: models, coding agents, agent/RAG infrastructure, and the product + engineering tools around them.
AI & build
Code & IDEs
Product & analytics
Engineering
How I build with AI
Working knowledge