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Product Manager with 10+ years in Financial Services, Digital Payments & Core Banking Modernization
An AI Native Strategic Digital Product & Transformation leader with 12+ years of experience in building and scaling global payment, banking, and financial infrastructure platforms across fintech and regulated banking ecosystems and driving Digital transformation and in Banking & Financial Services across cross-border payouts, network-based payment rails, embedded finance, cloud-native banking, and digital card ecosystems operating at high transaction scale and multi-million user reach. Expertise in Digital payments (Domestic/Cross border), BNPL, Digital Lending, Card modernization, Card Issuance, BIN Sponsorship Models, PaaS & BaaS fintech partnerships Models, Financial Advisory platforms and cloud-native core banking (Thought Machine Vault). Proven success in delivering £900M+ deposits within a year, 30x growth in transaction throughput, 2M+ card issuances in months, and 20% cost efficiencies via modernization. Adept at shaping multi-year product strategies, advising C-suite leadership, and executing complex digital transformations within regulatory frameworks (RBI, NPCI, UIDAI, Visa, Mastercard). Recognized for blending consulting acumen with product leadership, enabling revenue growth, operational efficiency, and market competitiveness through data-driven innovation. Specialized MBA Holder in Banking & Financial services to bring deep subject matter expertise with core management skills. Combines product innovation with enterprise-scale strategy to deliver measurable business growth and customer-centric solutions.
NATIONAL INSTITUTE OF BANK MANAGEMENT, PUNE
PGDM · BANKING AND FINANCE
August 1, 2017 – June 30, 2019
DCR UNIVERSITY OF SCIENCE AND TECHNOLOGY
B. Tech · Electrical Engineering
August 1, 2009 – June 30, 2013
PAYONEER GLOBAL
SENIOR PRODUCT MANAGER 2 – GLOBAL PAYMENTS
February 1, 2026 – Present
India
ALVAREZ & MARSAL
MANAGER - DIGITAL PRODUCT STRATEGY(FS)
July 1, 2025 – February 1, 2026
India
PUBLICIS SAPIENT
SENIOR PRODUCT MANAGER
December 1, 2021 – July 1, 2025
India
AIRTEL PAYMENTS BANK
PRODUCT MANAGER
April 1, 2019 – December 1, 2021
India
TATA CONSULTANCY SERVICES LTD
SYSTEM ENGINEER / BUSINESS ANALYST
October 1, 2013 – August 1, 2017
India
Impact of Universal Banking on Risk Return Portfolio of Indian Commercial Banks
June 1, 2026 – June 1, 2026
Modelling the risk and return of banks in India using advanced econometric methods. Analyzing the impact of universal baking on Indian banking on Indian Banking Sector in current scenario.
Designing the Optimum Capital Structure for Telecom Sector Firms
June 1, 2026 – June 1, 2026
Financial Modelling & Identify Optimum Capital structure modelling WACC for all telecom sector firms (52) under various scenarios.
Credit Rating Model - Small Industries Development Bank of India (SIDBI)
June 1, 2026 – June 1, 2026
Credit Rating Model Analysis, Validation and Portfolio Credit Risk Analysis. Development of Alternative Credit Scoring Model for SIDBI.
SAFE 6.0 POPM
Unknown
June 1, 2026 – Present
AI/ML Applications
Publicis Sapient
June 1, 2026 – Present
AI for Product Managers
Section
June 1, 2026 – Present
Thought Machine Vault-Foundations
Unknown
June 1, 2026 – Present
Leading Safe Course
Unknown
June 1, 2026 – Present
Cultural Fit Analysis
The candidate's diverse project experience across various financial products (payments, lending, core banking) and different types of organizations (global payments, consulting, banks) indicates adaptability and a broad perspective. Their focus on customer-centric solutions, digital transformation, and innovation aligns well with a dynamic, forward-thinking culture. The academic background in Banking and Finance, combined with an Electrical Engineering degree, suggests a blend of analytical rigor and business acumen, contributing to a strong cultural fit for a strategic product role.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership, cross-functional coordination, and strategic thinking, essential for a senior product management role. Their experience in agile environments (SAFe Agile) and detailed documentation (PRDs, user stories) indicates a structured and effective operational approach. The ability to manage regulatory compliance and drive business development through RFP responses highlights a well-rounded operational fit.