Mayur Kamat
Mayur Kamat is the chief product officer at N26—a $9 billion neobank serving over 7 million customers in 25 countries—where he leads product, design, data, and research. Prior to N26, Mayur was Head of Product at Binance, growing the crypto exchange to a peak $400 billion valuation. Earlier in his career, he built and scaled products at Google (Gmail Mobile, Hangouts), Microsoft, and travel unicorn Agoda.
AI & Technology Skills
The most immediate and massive ROI for AI in enterprise is in coding efficiency, support automation, and pattern-based fraud detection.
"At a company level, there is an incredible set of advancements across these three areas: developer productivity, customer support, and fraud."
Career Skills
Career growth is a function of compounding learning; high-growth companies provide more 'compounding events' per year.
"The best thing you can do is find companies that are growing fast because it compounds your learning at a much faster interval."
Early career compensation is negligible compared to the back-loaded earnings of a successful executive or founder path.
"Do not optimize for compensation, especially early in your career. If you're truly on a track to become an executive someday... you will make 90% of your compensation in the last five years of your ca..."
Physical proximity to talent density (like Silicon Valley) significantly accelerates career networking and opportunity access.
"Early career you want to be in intensely talents dense areas... For general tech, there's no better place than West coast of the US."
Communication Skills
Daily leadership meetings ensure that organizational bottlenecks never last longer than a day.
"The leadership team, for example, met every day, and because the leadership team was spread across the world, we met at 11:00 PM when I was in Singapore every day... which meant that none of the decis..."
High-leverage work requires open space on a calendar to dive into deep details and solve complex problems.
"A full calendar is a badge of shame, not a badge of honor."
Hiring & Teams Skills
Scientific psychometric testing can identify cognitive strengths and personality quadrants (dominance vs. warmth) more accurately than standard interviews.
"At Agoda, we used to pay a psychologist $5,000 for every single PM we interview... it would be a six-hour psych assessment and they would tell me what your strengths are, not just that it would be an..."
Leadership Skills
Speed is the primary variable in decision-making for reversible actions.
"There's no right or wrong decision. There's just low and fast decisions... for anything that's reversible, anything that's not going to get you in jail or kill your company, no right or wrong decision..."
Experimentation democratizes performance and protects PMs from 'loudest voice' decision-making by turning ideas into testable science.
"The moment you build experimentation, you've now made it scientific. Now, somebody comes up with an idea, say, that's a bad idea. Here, this is why it's a bad idea, because we have done this experimen..."
High-stakes environments like FinTech force PMs to master existential trade-offs between customer happiness and regulatory compliance.
"In FinTech, every trade-off is existential. When you found a company, every trade-off is existential. You may not exist as a business if you make a wrong decision."
Product Management Skills
Product strategy is often just packaged intuition; true strategy is the speed at which you turn hypotheses into validated data.
"Strategy is a little bit overrated for product. For most product managers, your strategy should be, 'How fast can I go from hypothesis to data?'"
Effective prioritization means ignoring 'important' tasks to focus exclusively on those with 10x leverage.
"You work on problems that have a 10X positive or a negative impact... That's what you focus on. That's what you spend bulk of your time."