Hi, I’m Krutika! I’m an MBA candidate at Harvard Business School (Class of 2026). Previously, I spent 5 years as a Product Manager in India building digital infrastructure and experiences across e-commerce (Flipkart), online payments (PhonePe), and education (NextLeap). I’ve led both zero-to-one and growth-stage products across high-volume consumer and B2B platforms, key projects including content automation, voice AI for shopping, an online learning platform, and payment gateway solutions for businesses. Last summer, I interned at eBay in San Jose and worked on the Agentic Search experience.
I love structuring the ambiguity of early blue-sky product discovery and the rigour of scaling systems that people rely on every day. Fascinated by how Artificial Intelligence is changing the way humans interact with technology and the world, I want to contribute to this wave in a big, positive way. In my free time, I am exploring building and prototyping with AI.
I studied engineering from Indian Institute of Technology Kanpur and then moved to Bengaluru to join India’s consumer tech wave. I enjoy mentoring people interested in a career in Technology, and have mentored 100+ students, professionals, and new product managers navigate their career in the past.
Work
Building payments at scale
Walmart-owned PhonePe is one of India’s largest fintech platforms with billions of transactions. Most people know it as a consumer app for peer-to-peer transactions, but central to PhonePe’s strategy is its B2B infrastructure that lets online businesses accept payments, manage…
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Transforming professional education
Note: This post was published in March 2023. Keeping these three things in mind, we have run several cohort-based courses that focus on application-based learning and outcomes. Right now, we are focusing on people who want to transition to a…
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Talk & Shop: The power of voice assistants
Note: This post was written from the lens of voice assistants in the 2020–21 era. All major applications and websites support search by voice today. About 27% of all mobile searches in 2018 were voice searches. Voice Assistants take it one step…
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Generating intelligent content for e-commerce
Note: The work discussed in this project is from 2019-21. Unless you have been living under a rock, you have heard about generative AI. Even my grandparents – who still use a non-touch screen phones – know about AI artists.…
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Projects
AI for financial decision-making
Most early-stage founders don’t have a CFO. They have QuickBooks, a bunch of tools, a spreadsheet, and their gut. Last year (2025), Surbhi Jain, and Varun Sant, and I teamed up to understand and test whether AI could fill that…
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Krutika Kalkal 