Lead product across teams in the United States and Malaysia, for a platform of 23M+ users. Built a $9.6M ARR business unit and an industry-first advertising engine embedded inside Microsoft Copilot, where the conversation itself becomes a channel that drives clicks and revenue.
Debashis Nayak
I build AI products, and write about what actually works.
Senior product leader at a US fintech. Founder of Products Decoded, Jobtune, and Astrika. Ten years turning ideas into products people pay for.
The short version
Engineer, then founder, now product.
I started as a software engineer, learning how to build. Then I spent years as a founder, learning what to build and why. Product management is where those two meet, and it is where I sit today.
The thesis that survived every company since: ship something real, get a paying user inside 90 days, and use the thing every day.
Read the full story →Where I have worked
Ten years of shipping, across fintech, logistics, and AI.
Founded and ran a product studio out of college. Grew it to a 50+ person team and shipped 100+ products across fintech, IoT, automotive, and edtech. Served 100+ business clients, including government.
Led the RBI licensing process and rebuilt the product suite for compliance. Built Split Calculator, an automated reconciliation product that replaced a fully manual settlement process.
Built ePOD and Control Center, an ML-powered predictive logistics platform handling rate calculation, delivery-timeline prediction, and tracking in one dashboard.
Coached 50+ aspiring product managers with a 95%+ placement rate. The foundation for the bootcamp.
What I build
Products I have shipped, that you can use now.
AI-powered Vedic astrology. For the moments that feel uncertain, from careers to relationships to what comes next.
Open →AI resume tailoring and a job-match agent. Built for placement season. No watermark, no credit card.
Open →An open-source personal agent OS. Any LLM, skills you choose, and a private memory you can see, all on your own machine.
Open →Become an AI-native product manager. Live cohort training from someone who has built products and hired PMs.
Open →Open source · Building now
Holt, my open-source agent OS.
A personal AI assistant you run on your own machine. Any LLM, the skills you choose, and a private memory you can actually see and navigate. Free and open, MIT licensed.
- Memory you can see, not a black box
- Any LLM: Claude, OpenAI, Gemini, or local
- A local model works, a cloud model reviews
- Extend it with MCP plugins and skills
Writing
Operator notes on AI, product, and building.
Published on Medium. A few worth starting with.

I scrolled LinkedIn for 15 minutes this morning. Here’s what I noticed: The posts were well-structured. The grammar was clean. The takes were formatte…
Read on Medium →
I’ve built more than 100 products across different businesses over the last 8 years. The hardest part was never building. It was always the first payi…
Read on Medium →
I was on the Wispr Flow checkout page. Annual subscription. For a dictation app. I closed the tab. Not because wisprflow is bad. It’s genuinely well-b…
Read on Medium →
A founder I know built a B2B SaaS tool for sales teams. 12 months in, decent revenue, growing slowly. I asked him: do you use it to manage your own sa…
Read on Medium →Stay in touch
Operator notes, in your inbox.
Weekly notes on AI, product, and building. I tell this list about new bootcamp cohorts first.