SR PRODUCT MANAGER · EX-FOUNDER · BENGALURU · LWD 21 JUL 2026

Chandra M.
The full story.

Ten years of building. Four years as a founder, six as a PM. Three products shipped at LimitlessCircle, half a billion API calls a month at CAMS, and an autonomous compliance platform (LexGuard) on the side. Receipts below.

Chandra M
CHANDRA.M v10.0 · BLR
~500M+
Monthly API Calls
API calls / month · AA platform, CAMS
17.5%
Market Share Grown
From <1% in 18 months
70+
Enterprise Partners
CRED · Angel One · Bajaj
$200K
Raised as Founder
LimitlessCircle · 2014–19
[01]

The Arc

2014 → 2026
Founder → Builder → PM → Founder again
Same instinct.
Different lever.

In 2014, while doing my MBA at Sri Sri University, I started market research with my co-founder. In 2015, during my internship, we incorporated LimitlessCircle (Autodidact Tech Solutions), built a remote tech team, rented a small office in Bangalore, and shipped The Feedback System with a Twist — a B2B feedback-plus-upsell engine for restaurants and hotels.

By Dec 2015 we'd called the pivot. The insight: wallet payments had structural friction — users pre-loaded, paid, and merchants paid fees on both load and unload. Skip the wallet. Pay directly from card via QR scan. The Limitless Card shipped to Sivakasi firecracker factories during demonetization; Limitless Payments with UPI followed in 2018. Over four years: $200K raised, 60-person team across two offices, deployed with Art of Living and Sri Sri Ayurveda. UPI eventually ate parts of the thesis; we wound down in 2019.

UPI made the startup irrelevant. But the instincts didn't leave. I spent the next few years running product marketing and GTM at Unacademy (3 categories to ₹5Cr+), building an incentive platform at Scaler Academy (+10% sales m1), and running 400+ user interviews at Ayu Health to fix a hospital conversion problem nobody had mapped.

Since late 2022 I've been at CAMS, building India's Account Aggregator API infrastructure. The platform now drives around half a billion API calls a month. On the side, I built LexGuard — a compliance-AI side project for Indian BFSI, solo, to keep my product-and-AI muscles sharp. The founder instinct and the PM discipline are the same person now.

SIDE PROJECT

LexGuard

solo build · working MVP

Regulation-to-Execution engine for Indian BFSI

Upload a 50 to 100 page RBI, SEBI, or IRDAI circular. Get back a board-ready, compliance-ready, product-ready, and engineering-ready execution plan in minutes: applicability analysis, obligations with owners and deadlines, a board impact note, policy and SOP updates, Jira-ready product and engineering tickets, an implementation roadmap, and an audit-readiness checklist.

"We don't just track compliance. We translate regulation into execution."

A side project I built solo to sharpen my AI product-building — problem to PRD to working MVP. Not a company I'm raising for.

STACKFastAPI · Streamlit · GPT-4o-mini
STAGEWorking MVP, end-to-end on real circulars
EVAL93.8% across synthetic test cases; caught and fixed a hallucination edge case
PRD33 pages · TAM/SAM/SOM · 11 epics · 4 personas · confidence-engine formula
MARKET₹150–250 Cr near-term serviceable
[02]

Work

5 ROLES · 10 YEARS
CAMS
Senior Product Manager
Apr 2023 — Present
Fintech · API Platform
Scaled India's financial data platform from a startup experiment to enterprise infrastructure.
Context
Joined the Account Aggregator platform at ~100 daily API pulls and <1% market share. Enterprise onboarding took 2 months.
Action
Productized SDKs, APIs, documentation, and activation playbooks. Built TPV, latency, drop-off dashboards. Drove GTM across banks, NBFCs, and fintechs.
Result
From a near-standing start to ~half a billion API calls a month · 17.5% market share (from <1%) · 70+ enterprise partners · Onboarding 2 months → 2 weeks.
Ayu Health
Product Manager, IPD Conversion
May 2022 — Nov 2022
HealthTech · Consumer
Ran the deepest user research of my career to fix a conversion problem nobody had mapped.
Context
Hospital IPD conversion was leaking. Leadership had hypotheses; no one had hard data on the drop-off points.
Action
Conducted 400+ interviews with patients, doctors, ops staff. Identified 15 high-impact problems. Launched 1:1 patient counselling and app-based follow-ups.
Result
IPD conversion up 1000+ basis points in 6 months. Research framework adopted as recurring discovery practice.
Scaler Academy
Associate Technical PM
Sep 2021 — May 2022
EdTech · Internal Tools
Built an internal sales performance platform from scratch.
Context
Sales had no platform to track performance vs incentives. Goal-setting and payouts ran on spreadsheets.
Action
Defined requirements, user stories, success metrics for an incentive management system. Shipped with engineering and sales leadership.
Result
Shipped in 6 months · ~10% sales growth in month 1 · Became system of record for payouts.
Unacademy
Product Marketing Manager · Category Lead, GATE/CA/CAT
Mar 2020 — Aug 2021
EdTech · GTM · P&L
Owned P&L for three test-prep categories. Turned unprofitable businesses profitable.
Context
GATE, CA, CAT were unprofitable. Educator base scattered, YouTube distribution unstructured.
Action
Managed 100+ educators and 10+ YouTube channels. Optimized content, pricing, GTM. Built creator enablement systems.
Result
3x viewership growth · ₹5Cr+ combined revenue · All three categories profitable.
LimitlessCircle
Co-Founder & COO · Autodidact Tech
2014 — Jun 2019 · incorp Sep 2015
Founder · Pre-UPI Fintech
Built during my MBA. Three products, two theses, four years.
Context
India in 2014: UPI didn't exist. Smartphone penetration sub-25%. We started with feedback (v1) and found, by late 2015, that wallet payments had structural friction.
Action
Called the pivot from feedback to QR card payments. Shipped Limitless Card during demonetization (deployed to Sivakasi firecracker factories), then Limitless Payments with UPI in 2018. Onboarded Art of Living + Sri Sri Ayurveda.
Result
$200K raised · 60-person team · 3 products shipped across 2 theses · 100+ merchants · NASSCOM 10K Startups selected.
[03]

Build Log

$ tail --since 2014
chandra@builder ~ /career.log
$ cat /career.log --tail --since 2014
───────────────────────────────────────────────────────────────
2014.07 ./market-research --while-doing=mba --partner=co-founder
Sri Sri University · what to build, where the friction is
2015.06 ./limitlesscircle --build --remote-team --office=BLR
Started building · remote tech team · small office rented
2015.08 ./feedback-system --ship --vertical=restaurants+hotels
Feedback + instant-coupon = upsell engine // v1 thesis
2015.09 ./incorporate --company=autodidact-tech-solutions
Formal registration · 2 co-founders
2015.12 ./pivot --insight="skip the wallet, scan card directly"
B2B too slow · wallets have load+unload fees · go bigger
2016.03 ./nasscom --selected 10K-startups // Mar 17 email
10K Warehouse · 10 seats × 6 months · occupancy from Mar 28
2016.04 ./nasscom --startup-kit --received // Apr 25 email
Cloud credits (Google/MS/AWS/IBM) · payment gateways · Yodlee
2016.06 ./fundraise --round=seed --target=200k
$200K closed · headcount 2 → 10
2016.11 ./limitless-card --ship --target=sivakasi-firecracker-factories
Cardless payroll · Diwali peak met demonetization
Also replaced ₹6K+ POS swipe machines for small merchants
2017.06 ./team --scale --target=40 --office=#1
Bengaluru HQ · 100+ merchants · Art of Living + Sri Sri Ayurveda
2018.04 ./team --scale --target=60 --office=#2
Second office · peak headcount
2018.08 ./limitless-payments-upi --ship --flow=merchant-amount
Merchant enters amount · customer scans QR
2019.06 ./pivot --reason="UPI ate the world"
Exit · learned everything that can't be taught
───────────────────────────────────────────────────────────────
2020.03 ./unacademy --role=product-marketing-mgr
3x viewership · ₹5Cr+ revenue across CA/GATE/CAT
2021.09 ./scaler --build internal-incentive-platform
Shipped in 6 months · +10% sales m1
2022.05 ./ayu-health --research IPD-conversion
400+ interviews · +1000bps conversion lift
2022.12 ./cams --role=senior-pm --domain=AA-platform
AA platform scaled → ~half a billion API calls/month
Market share <1% → 17.5% · 70+ partners
───────────────────────────────────────────────────────────────
2026.05 ./lexguard --build autonomous-compliance-platform // side
v0.1: PDF upload → 4-persona implementation plan [SHIPPED]
v1.0: multi-agent RAG · monitor RBI/SEBI/IRDAI · auto-route
[BUILDING · roadmap to v1.0]
───────────────────────────────────────────────────────────────
$ status
Senior PM @ CAMS · LWD 21 July 2026 · serving notice
shipping LexGuard on the side · listening for the next chapter
[04]

Team Timeline

$ headcount --range=2014-2018

The story behind the metrics. Two co-founders to 60 people across two offices in four years.

2014-15 founders
2014–15 2 PEOPLE

Just my co-founder and me. The 2015 pitch to H.H. Sri Sri Ravishankar.

2016 team
2016 10 PEOPLE

Team of 10. Mission: Making India Cashfree. $200K seed closed. NASSCOM 10K selected.

2017 team
2017 25 PEOPLE

First real office. Limitless Card scaling. Art of Living + Sri Sri Ayurveda onboarded.

2018 peak team
2018 60 PEOPLE

Peak. 60 people, two offices, three products in market. The team that built it.

[05]

LimitlessCircle

2014 — 2019 · founder era
Making India Cashfree — mission tagline, 2016

Autodidact Tech Solutions trading as LimitlessCircle. Started during my MBA at Sri Sri University. 2014 was market research with my co-founder. In 2015, during my internship, we incorporated, built a remote tech team, rented a small office in Bangalore, and shipped The Feedback System with a Twist.

By Dec 2015 — Jan 2016 we'd called the pivot. The insight: wallet payments had structural friction — users pre-loaded, paid, and merchants paid fees on both load and unload. Skip the wallet entirely. Pay directly from card via QR scan. The Limitless Card shipped to Sivakasi firecracker factories during demonetization; Limitless Payments with UPI followed in 2018. Customers included Art of Living and Sri Sri Ayurveda.

Why this was hard in 2016 UPI was 4 months old. Sub-25% smartphone penetration. Most Indian merchants had never seen a QR code; most users had never paid digitally. POS swipe machines cost ₹6,000+ and were unaffordable for small merchants. Wallets demanded pre-loading and charged fees on both load and unload. We built custom hardware integrations, manual KYC, and went door-to-door. What looks normal in 2026 was novel, scrappy, and unproven in 2016.

▸ Field footage · archived 2014–2018

Product Demo · 2014–15 · v1 The Feedback System with a Twist. The original LimitlessCircle product, before we pivoted to payments.
Product Demo · 2016 · post-pivot The Limitless Card. Cardless payroll for Sivakasi firecracker workers during demonetization. UPI was 4 months old.
Product Demo · 2018 · scaled Limitless Payments with UPI. Merchant enters amount, customer scans QR.
Customer Case Art of Living + Sri Sri Ayurveda deployment. Real customers running the Limitless platform for events & commerce.

▸ Press / Receipts · spotted in the wild

Art of Living billboard
Billboard · Whitefield, Bangalore · May 2017
Art of Living's Happiness Program with H.H. Sri Sri Ravishankar — billboard directs attendees to register via the LimitlessCircle app.
NASSCOM selection email
Email · NASSCOM 10K Startups · March 17, 2016
Selection email from Roopa K Aravindakshan confirming LimitlessCircle's selection for the 10K Warehouse — 10 seats × 6 months.
NASSCOM startup kit
Email · NASSCOM Startup Kit · April 25, 2016
Cloud credits (Google/MS/AWS/IBM up to $200K+), payment gateways, Yodlee fin-data APIs.
Startup Karnataka recognition certificate
Certificate · Recognized by Government of Karnataka · Startup Karnataka
Official recognition of LimitlessCircle as a registered startup under the Startup Karnataka initiative.
Pitch to Sri Sri Ravishankar
Pitch · The Art of Living · 2015
Presenting the solution directly to H.H. Sri Sri Ravishankar. The pitch that opened the relationship that would become Art of Living + Sri Sri Ayurveda as customers.
Signing with Sri Sri
Signing · Art of Living + Sri Sri Ayurveda
Both co-founders, our CTO, and CMO with H.H. Sri Sri Ravishankar after AOL + Sri Sri Ayurveda signed on as institutional customers.
[06]

Get in touch

~2h reply · IST

Working on
something worth building?

Serving notice through 21 July 2026. Open to Senior PM and Lead PM (IC) roles — and happy to lead a small team at an early-stage startup — at fintech, API platforms, and AI-native companies. Bengaluru-based; open to remote for the right opportunity.

mouli.chandra90@gmail.com +91 93439 99741 · phone / WhatsApp LinkedIn — Chandra M
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