Tharun Kumar S

Conducting independent product research and publishing case studies on fintech, lending, user behavior, and marketplace design.

Conducted 100+ user interviews that identified confusion — not intent — as the root cause of new-user delinquency. Designed interventions that contributed to an 18% reduction in delinquency and 15% SPaD P&L improvement.

Led a 12-person team managing IT infrastructure and digital operations for 5,000+ campus users. Built and shipped internal tools.