I am a fintech product leader based in Mumbai, currently Product Lead and a founding team member at Kiwi, India's first credit-on-UPI app. I have spent most of my career building consumer credit, payments and lending products: credit cards on UPI at Kiwi, Buy Now Pay Later at Freecharge, Revenue-Based Financing at Indifi, seller credit at Udaan and debit cards at Axis Bank. I care about financial inclusion and about making credit and payments simpler for users, and I have recently been building with generative AI.
Work
Below are some of my recent projects. Please request for the complete walkthrough of the locked projects.
01
Database-Connected AI Chatbot with Evals
Built a chatbot in five stages, from a plain OpenAI call to a system that remembers the conversation, calls tools and answers from a live database, then traced every answer in Langfuse and had AI judges score it.
02
Podcast Search MCP Server
Turned a semantic search engine over 1,009 product and technology podcast episodes into an MCP server, so an AI assistant can search the library, read transcripts, keep notes and run research briefs.
03
Personal AI Agent with Voice
Built an agent that searches and reads the web, remembers me between sessions, runs a job search from my resume, and answers the phone, with chat and voice sharing one memory.
04
Podcast RAG and Fine-Tuning
Built a question answering app over 149 podcast transcripts and saw why chunking matters, then fine-tuned a small open model to speak in a persona of my choosing.
Thoughts & Ideas
Notes on building credit products in India: onboarding and activation, repayments without incentives, and collections as part of the product.
Collections Belong in the Product
Designing Repayments That Work Without Cashback
For a Credit Card, Activation Is the Real Launch
Experience
Consumer and business credit products in India, from seller credit at Udaan to Buy Now Pay Later at Freecharge and credit on UPI at Kiwi.
Good credit products earn repayment by being easy to use, not by paying people to use them.
Stack
The models, databases and tools I used to build and ship the AI products on this page, from the first chatbot to RAG and fine-tuning.
in short
Founding team member at Kiwi, reaching 200K card issuances in 12 months with a 95% activation rate
Nishant skipped presentations and built real AI products. Want to know how?
Nishant Pandita was part of the August 2026 cohort at Curious PM, alongside 24 other talented participants.
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