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Product Manager with 9+ years in Payments, Cards, and IT Business Banking
Senior Product Manager / Lead Business Analyst with 9+ years of experience in Payments, Cards, and IT Business Banking (Money Movement), leading 0→1 product development across global banking platforms. Proven experience in managing and leading 3 cross-functional Agile teams, ensuring alignment across product, engineering, UI/UX, and QA for end-to-end delivery. Expertise in Wires, SWIFT, FedWire, ACH, RTP, and ISO 20022 payment systems with strong focus on PCI DSS 4.0 and regulatory compliance (PSD2/PSD3). Experienced in product strategy, roadmap, Agile/SAFe delivery, including SIT/UAT coordination, production deployment, and post-go-live support. Certified in Agile (Scrum/SAFe), CBAP®, PMP®, PMI-ACP®, and Lean Six Sigma Black Belt, with exposure to API-first architectures (REST/BIAN), IT Business Banking money movement platforms, AI/analytics-driven product improvement, fraud risk management, and enterprise banking transformation.
Indian Institute of Technology, Roorkee
Post Graduate Diploma (PGDP) · Data Science & Artificial Intelligence
August 1, 2026 – Present
Simplilearn
Master's Certification · Business Analyst (IBM & EY Collaboration)
N/A – June 30, 2023
SASTRA University
MBA · Human Resources Management
N/A – June 30, 2017
Anna University
B.Tech · Computer Science & Engineering
N/A – June 30, 2015
CANDESCENT
AVP | Senior Product Manager /Senior Product Owner (Candescent Payments, USA)
October 1, 2025 – Present
Bengaluru, Karnataka, India
CAPGEMINI
Senior Technical Product Manager/Analyst – AVP (Barclays Payment Merchant Services, UK – Discover Financial Services, USA)
June 1, 2024 – September 1, 2025
Bengaluru, Karnataka, India
FEDERAL BANK - IT DEPARTMENT
Product Manager /Senior Business Analyst (Cards & Co-Branded Cards)
July 1, 2023 – May 1, 2024
Bengaluru, Karnataka, India
NAVI TECHNOLOGIES LTD
Technical Business Analyst (Unified Payments Interface)
April 1, 2022 – June 1, 2023
Bengaluru, Karnataka, India
SBI Card
Project Manager (Core Banking /Payments Assistant)
December 1, 2017 – March 1, 2022
Jaipur, Rajasthan, India
AWS
Unknown
May 1, 2026 – Present
REST/SOAP APIs
Unknown
May 1, 2026 – Present
Java
Unknown
May 1, 2026 – Present
MongoDB
Unknown
May 1, 2026 – Present
SQL (Microsoft/PostgreSQL)
Unknown
May 1, 2026 – Present
Alteryx
Unknown
May 1, 2026 – Present
Tableau Certified Associate
Unknown
May 1, 2026 – Present
Power BI Data Analyst (PL-300)
Unknown
May 1, 2026 – Present
CCNA
Unknown
May 1, 2026 – Present
Microsoft Azure (AZ-900, AI-900, DP-100)
Unknown
May 1, 2026 – Present
PMP®
Unknown
May 1, 2026 – Present
Statistics
Unknown
May 1, 2026 – Present
Mathematical Optimization
Unknown
May 1, 2026 – Present
Gen AI
Unknown
May 1, 2026 – Present
Python/R
Unknown
May 1, 2026 – Present
Lean Six Sigma Black Belt
Unknown
May 1, 2026 – Present
ASM®
Unknown
May 1, 2026 – Present
CBAP®
Unknown
May 1, 2026 – Present
PMI-ACP®
Unknown
May 1, 2026 – Present
Cultural Fit Analysis
The candidate's diverse experience across multiple financial institutions (CANDESCENT, Capgemini, Federal Bank, Navi, SBI Card) indicates adaptability and the ability to thrive in varied organizational cultures. The breadth of certifications and ongoing education in Data Science & AI demonstrates a proactive, growth-oriented mindset, aligning well with dynamic and innovative environments. Experience managing cross-functional teams and driving complex initiatives suggests a collaborative and results-oriented approach, fitting well into a high-performance culture.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership and team management capabilities, having managed multiple Agile teams. Excellent stakeholder management and communication skills are evident through collaboration with diverse teams (business, operations, technology, UI/UX). Problem-solving abilities are highlighted by leading complex transformation initiatives and 0->1 product development. A proactive, growth-oriented mindset is shown through continuous learning and certifications. Operational efficiency is supported by experience with SDLC, UAT, defect management, and Lean Six Sigma principles.