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Product Manager with 10+ years in Digital Payments & Lending
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Banking Product Owner with 10+ years of experience across Digital Payments, Lending, Transaction Banking, Cash Management Services (CMS), and Digital Banking solutions within BFSI domain. Experienced in product lifecycle management, API banking integrations, customer journeys, workflow optimization, and scalable platform delivery across high-volume transaction environments. Strong domain expertise across LOS/LMS platforms, UPI ecosystem, payment gateways, mobile money, collections, and enterprise banking integrations. Skilled in Agile delivery, stakeholder management, UAT/release governance, and customer-centric banking solution delivery aligned with business and compliance objectives.
Manipal University
PG Diploma · Banking Finance
August 1, 2016 – June 30, 2016
babu banarsi das national institute of technology and management
B.Tech / B.E. · Electrical
August 1, 2014 – June 30, 2014
Comviva Technology
Product Owner Digital Payments and Lending
October 1, 2023 – Present
India
Mphasis
Project Lead Business Analyst Loan Origination System
October 1, 2022 – October 1, 2023
India
HDFC Bank
Product Manager Payments Collections
June 1, 2022 – October 1, 2022
India
ICICI Bank
Product Manager Cash Management & Digital Banking
February 1, 2016 – May 1, 2022
India
Mobile Money Platform (Mobiquity 4.4) - Digital Payments
November 1, 2023 – Present
• Owned product lifecycle and solution design for digital banking platforms covering mobile money, wallets, P2P/P2M payments, bill payments, USSD channels, and lending platforms (LOS/LMS). • Defined product features, customer journeys, and API-level integrations aligned with business and regulatory requirements. • Led cross-functional collaboration to deliver scalable, compliant, and high-volume payment and lending solutions across banking ecosystem.
Education Loan Platform (LOS/LMS) — Digital Lending
July 1, 2022 – June 1, 2023
• Owned product lifecycle and lending workflow implementation across Loan Origination System (LOS) and Loan Management System (LMS) platforms. • Conducted requirement gathering, customer journey discussions, workflow optimization, and API integration planning aligned with business, credit, and regulatory requirements. • Supported Agile delivery activities including backlog prioritization, SIT/UAT validation, MVP rollout, and stakeholder coordination across lending ecosystem.
Cash Management System (CMS) Transformation - Digital Payments & Collections
February 1, 2016 – May 1, 2022
• Managed product lifecycle and solution modernization initiatives across Transaction Banking, Cash Management Services (CMS), collections, digital payment workflows, and lending platform integrations (LOS/LMS). • Led API-driven integrations with banking systems, ERP platforms, and payment ecosystems to enable scalable collections, payments, and reconciliation capabilities. • Defined customer journeys, onboarding workflows, and configurable banking modules improving operational scalability and transaction efficiency.
Cultural Fit Analysis
The candidate's diverse project experience across multiple prominent banks (ICICI, HDFC) and fintech companies (Mphasis, Comviva) in the BFSI sector indicates adaptability and a broad understanding of different organizational cultures and operational models. Their consistent focus on digital transformation, scalable solutions, and regulatory compliance aligns well with a forward-thinking, compliance-driven culture. The emphasis on collaboration with various teams (Product, Engineering, QA, Operations, Business) suggests a team-oriented approach. The candidate's experience in improving efficiency and customer experience also aligns with a results-driven and customer-centric culture.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership and collaboration skills through their experience in leading cross-functional teams and managing stakeholder alignment. Their focus on workflow optimization, release governance, and production rollout activities indicates a strong operational fit. The ability to manage complex API integrations and drive process transformation suggests a proactive and problem-solving mindset. The candidate's experience in client onboarding and production issue handling also points to strong customer focus and operational resilience.