Varun Francis

Work

Stable Money Active
Head of Product - AI, Bonds, New InitiativesBangaloreMar 2026 – Present
Leading AI initiatives, 0 → 1 on mutual funds, 10 → 100 on bonds
Bonds
- Identified and prioritised key product opportunities in discovery, payment, conversion and withdrawal for my team of 4 solid product managers
- Rebuilt the entire payments + KYC stack in 2 months: 45% better time-to-convert, D1 conversion from payments +4%, KYC conversions +15%
- Shipped industry-leading bonds SIP, bond basket and bond cart features
- 3x’d web impressions and AUM
- Reduced full withdrawals by 6%
- Designed, engineered and shipped a better bond discovery experience: +9% repeat-user conversion
AI Initiatives
- KYC Pulse: a live health monitor for our KYC onboarding funnel, tracking 31 funnel steps and failure points
  
  Detected 147 production incidents in 10 weeks, affecting ~9,200 users; 145 resolved, typically in ~25 min from start to recovery
  
  Files ~600 named stuck customers a day (5,651 so far); 83% of them had no error recorded anywhere
- Pitch Please: an AI voice-roleplay trainer where reps practise live calls with AI customers in English and Hindi
  
  73 reps, 330+ scored practice calls (~32 hours) in 3.5 months
  
  Reps who practised 3+ times raised their average score ~40% (34 → 47) and halved compliance failures (57% → 27%)
  
  Discovery / needs-probing +85%
New Initiatives & Mutual Funds
- Ran the launch of a target retirement product end to end: product, business, design, front-end, comms and GTM. Built a 1,000+ waitlist in 1 week
Hooly Active
Co-founder, CEOBangalore / San FranciscoJan 2025 – Present
Self-improving AI health coach on WhatsApp. Grew to $20K ARR in 9 months.
Thesis
- Proactive personal agents that live on WhatsApp, a full year before Instinct and Muse
What we did
- Hooly coached users on food, sleep and nutrition
- 42% M4 retention, while Hooly was a paid-only product
- Built Bangalore’s largest hiking community along the way: The Outer Circle
- Partnered with Stance Health for physiotherapy assistance for users
Check out Hooly ↗
Famo
Co-founder, CPOBangaloreMar 2024 – Oct 2024
Built an AI-native OS for the top family offices in India.
What we built
- AI agents that reconciled onshore family office assets from 5 different investment repositories
- AI-generated daily digests for principals and CIOs on the markets and what moved their net worth that day
- Reporting on ₹3,000 Cr of family office assets
Khatabook Y(YC18)
Lead Product ManagerBangaloreJun 2022 – Mar 2024
Built infra to scale lending from 0 → $100M loan book
IRIS
- Led the development of IRIS, the lending ops infrastructure that Khatabook’s lending book runs on today
- Loan origination, management, collections, real-time underwriting and field-agent infrastructure across web and mobile
- Built a 12-member team of engineers and designers and took it from 0 → 1 in a record 15 months
- Handling ₹100 Cr+ in monthly disbursals by 2024
Goalteller Rainmatter
Founding MemberBangaloreSep 2020 – Jun 2022
Built an AI financial advice tool for retail investors. Scaled to $80M AUA. Still active.
What I did
- Led growth, product and design to improve financial market participation with high-quality advice and smart financial planning tools
ExxonMobil
StrategyBangalore
Channel partner strategy for Mobil industrial lubricants