I’m Abhishek Malik. I live in Gurgaon (India), where I shape ideas for future.

I am a technology entrepreneur with a background in data science and fintech. I have co-founded two startups, Yatayat and Balance, and have led product teams at Paytm in various capacities. I am skilled in building and scaling technology platforms and have a deep understanding of data-driven product development. My experience has taught me how to quickly adapt to new conditions and make the best of what I have. I am always hungry and foolish, and I believe that this philosophy has helped me achieve success in my career.

In 2015, I founded a fintech startup Balance, a first of its kind consumer app in India that recommended micro saving opportunities for users across a range of lifestyle driven use cases such as spend patterns, salary transfers, fitness goals, favorite sports events etc. Balance was your everyday saving app that builds a saving habit for you. Your own little money saving accountant for a world that makes you spend. Balance was acquired by Paytm in 2018.

During the 3.5 years at Paytm, I worked in Product role and led the Customer Service product team to automate and improve user query UX on the app to drive down manual handling of such queries by more than 30%. I also worked in the Payments Gateway product team to build merchant gift vouchers as new merchant specific payment instrument on Paytm. Then I moved to build the Mini Apps product to help merchants leverage Paytm platform for user identity, payments, and communications while owning the core user experience. In last 2 years I worked on the UPI platform product to help build new features like AutoPay, UPI Number, UDIR and enhance the core platform to deliver best in class payment experience on both user and merchant side.

Prior to Balance, in 2010-11, while at IIT Kanpur I also co-founded a startup Yatayat: “An Uber for auto-rickshaws” in Kanpur and Delhi. I joined Citi in a Data Science role in 2011 and then in 2013 left to join a startup called Credibase (now B2Brain) as founding team principal engineer.