Optimizing for the right metric changes everything.

In the new episode of the VWO Podcast, we explore what happens when you prioritize intent over volume. 🎙️

Host Subho Mukherjee sits down with Vipul Sharma, Head of Digital Revenue at SBI Securities, one of India's leading investment platforms.

Vipul works at the intersection of product, growth, and customer experience,

He focuses on building digital-first tools that improve onboarding, drive engagement, and deliver sustainable revenue growth.

In this conversation, Vipul talks about:

✅ Personalizing first-time user experiences based on product preferences

✅ Using in-house ML scoring system to identify high-intent users across the funnel

✅ Combining behavioral data with financial indicators like credit scores

✅ Why simple UI beats feature-heavy journeys for activation

✅ Reducing drop-offs post-account creation through targeted nudges

✅ How AI enables user-segment personalization and contextual support

✅ Securing user safety in high-risk products like derivatives trading

This episode delivers practical insights into designing activation flows and balancing growth with responsible user outcomes. 🚀

If the ideas in this episode resonate with how your team thinks about growth and revenue, see how VWO can help you get there: https://bit.ly/3P71Lhu

Chapters:

[00:00] A quick sneak peek into the episode

[02:07] Subho and Vipul kickstart the conversation

[03:16] Vipul's ritual before big meetings

[04:15] Personalizing first-time user experiences based on product preferences

[06:47] Using the in-house ML scoring system to identify high-intent users across the funnel

[09:30] Combining behavioral and financial data to personalize responsibly

[14:51] Reducing post-account creation drop-offs through education

[16:12] An experiment that changed how Vipul thinks about user behavior

[17:05] How ML scoring shapes experimentation and nudges

[22:05] Balancing signup volume with high-intent signals

[26:05] AI's role in hyper-personalization and contextual support

[32:09] Safeguards for sensitive products like derivatives and risky stocks

[34:09] Why education is the biggest opportunity for Indian investors

[40:01] Vipul's personal AI projects

[41:36] Rapid fire round: One thing Vipul would do differently starting in CRO today

[42:51] What non-industry friends don't understand about his job

[43:12] Product leader Vipul looks up to

[43:23] Go-to travel destination

[44:48] What AI will take over

[45:37] Alternative profession

[47:06] Dream goal for the next 3 years

[47:37] Subho and Vipul sign off