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Product Manager with 4+ years in Digital Payments & API Management
Results-driven Fintech Product Professional with 4+ years of experience in digital banking, UPI integrations, payment gateway solutions, and digital onboarding products. Proven track record of managing product lifecycle from ideation to launch including BRD preparation, UAT execution, API integration, and stakeholder management. Strong expertise in AML/KYC compliance, reconciliation automation, and data-driven product optimization. Experienced in collaborating with cross-functional teams including engineering, compliance, risk, and partner banks to deliver scalable financial products.
APJ Abdul Kalam Technical University
Master of Business Administration
August 1, 2021 – June 30, 2021
Mahatma Gandhi Kashi Vidyapith
Bachelor of Science · Physics & Mathematics
August 1, 2019 – June 30, 2019
Utkarsh Small Finance Bank (USFB)
Assistant Manager
August 1, 2021 – Present
India
Digital Savings Account Launch
June 16, 2026 – Present
Led end-to-end rollout including onboarding journeys, API integrations, and compliance flows. Designed SOPs and improved onboarding success rate through user journey optimization.
Digital Fixed Deposit (FD) Implementation
June 16, 2026 – Present
Developed deposit creation and maturity lifecycle via mobile and web platforms. Enhanced cross-sell and customer funnel performance through digital campaigns.
UPI & Payment Gateway Integration
June 16, 2026 – Present
Managed full integration lifecycle including API mapping, testing, and go-live coordination. Improved transaction success rate and built reconciliation automation reports.
Digital KYC & Onboarding Automation
June 16, 2026 – Present
Implemented automated KYC verification APIs to reduce manual intervention. Improved onboarding efficiency and regulatory compliance.
Core Banking API Enablement
June 16, 2026 – Present
Supported core banking migration through requirement gathering and API validation. Ensured minimal downtime during system transition.
Product Analytics Dashboard
June 16, 2026 – Present
Developed Power BI dashboards integrating CRM and transaction data Enabled leadership decision-making through real-time insights.
Cultural Fit Analysis
The candidate's experience in managing diverse digital banking products (savings accounts, fixed deposits, UPI, KYC, core banking APIs) and collaborating with various internal and external stakeholders indicates a strong adaptability and ability to thrive in dynamic environments. Their focus on improving customer journeys and transaction success rates aligns with a customer-centric culture. The breadth of projects and responsibilities suggests a proactive and versatile individual, suitable for a fast-paced product management role in fintech.
Soft Skills & Operational Fit
The candidate demonstrates strong operational fit through their experience in coordinating with compliance, risk, and operations teams, managing audits, and conducting product training. Their project descriptions highlight leadership in end-to-end rollouts and process optimization (SOPs, user journey optimization), indicating good soft skills for stakeholder management and team collaboration. The focus on monitoring performance metrics and optimizing success rates suggests a data-driven and results-oriented approach.