Hi. I’m Dharam — a product designer based in India. I work across fintech, consumer tech, and AI, with a focus on product strategy and user experience.

“Dharam played a big role in getting Stable Money off the ground. He joined us early, blended right in, and moved fast. A lot of what we launched — and how quickly we launched it — was because of his work.



He doesn’t just design screens. He understands the business, asks the right questions, and builds what actually matters. He also helped us hire and mentor our first design team, and set up a foundation we still rely on.”

“Dharam was core to building and scaling CRED Cash from the ground up. Over three years, we tackled some of the trickiest product challenges, and he always brought sharp thinking, speed, and a calm approach to problem-solving.

He has a knack for spotting what’s not working — whether it’s a broken flow or a drop-off in the funnel — and fixing it with clear, focused solutions. He’s just as strong at building new features as he is at improving existing ones.”

“Dharam was one of the people I could count on, no matter how high the stakes. He handled tough problems without making noise, stayed close to the details, and always had a clear sense of what good looks like.

At CRED, he was an anchor for the design team — not just in terms of output, but in how he worked with product, engineering, and other designers. Calm, reliable, and sharp.

He didn’t need managing. He just got it done.”

“Dharam jumped into a complex product and quickly started solving problems we’d been circling around for weeks. He didn’t overcomplicate things — just focused on how people would actually use what we were building.

He cleaned up confusing flows, spotted friction we hadn’t noticed, and made us think harder about how we were building, not just what we were building. All of this while moving fast and needing very little direction.”

“Dharam has that rare ability to zoom into the details and zoom out to the bigger picture — and knows exactly when to do which. He’s fast, focused, and has great product intuition. We worked with him during a critical phase at 100ms AI, and he just got it — the problem, the users, the constraints, the priorities.


He doesn’t overcomplicate things. He listens well, asks the right questions, and delivers work that moves things forward. No fluff, no hand-holding. Just solid, thoughtful execution.Would happily work with him again.”

“Dharam played a big role in getting Stable Money off the ground. He joined us early, blended right in, and moved fast. A lot of what we launched — and how quickly we launched it — was because of his work.



He doesn’t just design screens. He understands the business, asks the right questions, and builds what actually matters. He also helped us hire and mentor our first design team, and set up a foundation we still rely on.”

“Dharam was core to building and scaling CRED Cash from the ground up. Over three years, we tackled some of the trickiest product challenges, and he always brought sharp thinking, speed, and a calm approach to problem-solving.

He has a knack for spotting what’s not working — whether it’s a broken flow or a drop-off in the funnel — and fixing it with clear, focused solutions. He’s just as strong at building new features as he is at improving existing ones.”

“Dharam was one of the people I could count on, no matter how high the stakes. He handled tough problems without making noise, stayed close to the details, and always had a clear sense of what good looks like.

At CRED, he was an anchor for the design team — not just in terms of output, but in how he worked with product, engineering, and other designers. Calm, reliable, and sharp.

He didn’t need managing. He just got it done.”

“Dharam jumped into a complex product and quickly started solving problems we’d been circling around for weeks. He didn’t overcomplicate things — just focused on how people would actually use what we were building.

He cleaned up confusing flows, spotted friction we hadn’t noticed, and made us think harder about how we were building, not just what we were building. All of this while moving fast and needing very little direction.”

“Dharam has that rare ability to zoom into the details and zoom out to the bigger picture — and knows exactly when to do which. He’s fast, focused, and has great product intuition. We worked with him during a critical phase at 100ms AI, and he just got it — the problem, the users, the constraints, the priorities.


He doesn’t overcomplicate things. He listens well, asks the right questions, and delivers work that moves things forward. No fluff, no hand-holding. Just solid, thoughtful execution.Would happily work with him again.”

“Dharam played a big role in getting Stable Money off the ground. He joined us early, blended right in, and moved fast. A lot of what we launched — and how quickly we launched it — was because of his work.



He doesn’t just design screens. He understands the business, asks the right questions, and builds what actually matters. He also helped us hire and mentor our first design team, and set up a foundation we still rely on.”

“Dharam was core to building and scaling CRED Cash from the ground up. Over three years, we tackled some of the trickiest product challenges, and he always brought sharp thinking, speed, and a calm approach to problem-solving.

He has a knack for spotting what’s not working — whether it’s a broken flow or a drop-off in the funnel — and fixing it with clear, focused solutions. He’s just as strong at building new features as he is at improving existing ones.”

“Dharam was one of the people I could count on, no matter how high the stakes. He handled tough problems without making noise, stayed close to the details, and always had a clear sense of what good looks like.

At CRED, he was an anchor for the design team — not just in terms of output, but in how he worked with product, engineering, and other designers. Calm, reliable, and sharp.

He didn’t need managing. He just got it done.”

“Dharam jumped into a complex product and quickly started solving problems we’d been circling around for weeks. He didn’t overcomplicate things — just focused on how people would actually use what we were building.

He cleaned up confusing flows, spotted friction we hadn’t noticed, and made us think harder about how we were building, not just what we were building. All of this while moving fast and needing very little direction.”

“Dharam has that rare ability to zoom into the details and zoom out to the bigger picture — and knows exactly when to do which. He’s fast, focused, and has great product intuition. We worked with him during a critical phase at 100ms AI, and he just got it — the problem, the users, the constraints, the priorities.


He doesn’t overcomplicate things. He listens well, asks the right questions, and delivers work that moves things forward. No fluff, no hand-holding. Just solid, thoughtful execution.Would happily work with him again.”

“Dharam played a big role in getting Stable Money off the ground. He joined us early, blended right in, and moved fast. A lot of what we launched — and how quickly we launched it — was because of his work.



He doesn’t just design screens. He understands the business, asks the right questions, and builds what actually matters. He also helped us hire and mentor our first design team, and set up a foundation we still rely on.”

“Dharam was core to building and scaling CRED Cash from the ground up. Over three years, we tackled some of the trickiest product challenges, and he always brought sharp thinking, speed, and a calm approach to problem-solving.

He has a knack for spotting what’s not working — whether it’s a broken flow or a drop-off in the funnel — and fixing it with clear, focused solutions. He’s just as strong at building new features as he is at improving existing ones.”

“Dharam was one of the people I could count on, no matter how high the stakes. He handled tough problems without making noise, stayed close to the details, and always had a clear sense of what good looks like.

At CRED, he was an anchor for the design team — not just in terms of output, but in how he worked with product, engineering, and other designers. Calm, reliable, and sharp.

He didn’t need managing. He just got it done.”

“Dharam jumped into a complex product and quickly started solving problems we’d been circling around for weeks. He didn’t overcomplicate things — just focused on how people would actually use what we were building.

He cleaned up confusing flows, spotted friction we hadn’t noticed, and made us think harder about how we were building, not just what we were building. All of this while moving fast and needing very little direction.”

“Dharam has that rare ability to zoom into the details and zoom out to the bigger picture — and knows exactly when to do which. He’s fast, focused, and has great product intuition. We worked with him during a critical phase at 100ms AI, and he just got it — the problem, the users, the constraints, the priorities.


He doesn’t overcomplicate things. He listens well, asks the right questions, and delivers work that moves things forward. No fluff, no hand-holding. Just solid, thoughtful execution.Would happily work with him again.”