--- title: "ABHIK DALAL - Lead Product Manager in Bengaluru | Tal" description: "Meet ABHIK DALAL, Product Manager | Banking, Fintech , Digital Identity | Ex-JPMorgan, Bajaj Finserv, UNO Digital Bank, HSBC | AI/ML Driven Decisioning Platforms | Building India’s Aadhar Authentication Platform at UIDAI based in Bengaluru. AI stack includes claude, gemini, and perplexity." image: "https://tal.club/meet/abhik-dalal/share-image" --- # ABHIK DALAL on Tal ## Headline Product Manager \| Banking, Fintech , Digital Identity \| Ex\-JPMorgan, Bajaj Finserv, UNO Digital Bank, HSBC \| AI/ML Driven Decisioning Platforms \| Building India’s Aadhar Authentication Platform at UIDAI ## About Product management professional with 18 years across Banking, Fintech, NBFC, and National Digital Infrastructure — the last 12\.5\+ years owning end\-to\-end product strategy for platforms serving millions of users\. I've spent my career at the intersection of financial services and data\-driven decisioning: building CRM and lending platforms at a greenfield digital bank \(2M\+ customers\), owning the B2C customer portal and Open API ecosystem at Bajaj Finserv \(India's largest NBFC\), leading Lending Payment Products at JPMorgan Chase, and driving enterprise transformation at HSBC\. Currently, I lead product strategy for UIDAI's next\-generation AI/ML\-driven biometric authentication platform — the identity infrastructure underpinning KYC, onboarding, and fraud prevention across India's banks, NBFCs, and fintechs at national scale \(Aadhaar, 1\.4B\+ users\)\. It's a natural extension of the same problem I've worked for a decade: using data and AI to make financial systems faster, safer, and more trustworthy\. What I bring: → Product strategy and roadmap ownership for data\-intensive, AI/ML\-driven platforms → Deep BFSI domain fluency — customer onboarding, payments, lending, insurance, credit decisioning, KYC, Open Banking/API ecosystems, risk & compliance → Track record of measurable impact: INR 100 Cr\+ cross\-sell unlocked, INR 5 Cr saved via in\-house E\-Mandate, 30%\+ operational efficiency gains → CXO stakeholder management, cross\-functional leadership across product, engineering, data science, and design Open to conversations on product leadership roles in banking, fintech, and risk/decisioning platforms ## Location Bengaluru ## AI stack claude gemini perplexity ChatGPT Microsoft Copilot ## Work experience Lead Product Manager at Unique Identification Authority of India \(UIDAI\), Apr 2025 \- Present · 1 y 6 mo, Bengaluru, Karnataka, India, Leading national\-scale product strategy for next\-generation AI\-driven biometric platforms, defining vision, roadmap, and architecture for contactless finger authentication\. Owning the national innovation challenge as Product Leader, establishing evaluation architecture, benchmarking standards, and success metrics, governing startup deliverables and accelerating ecosystem readiness\. Defining SDK and platform strategy for biometric capture and matching, including on\-device processing standards, OEM integration frameworks, and secure data pipelines to enable scalable deployment\. Leading cross\-functional execution across academia , AI/ML, mobile, backend, and design teams Representing product vision, progress, and strategic direction to senior leadership forums Senior Product Manager \- Digital Banking Platform \| CRM, Credit Lifecycle & Onboarding at UNO Digital Bank, Jul 2022 \- Feb 2025 · 2 yrs 8 mos, Bengaluru, Karnataka, India, Driving enterprise\-wide transformation by partnering with the COO, Business Heads, and Deputy CEO to deliver strategic automation initiatives that accelerate business growth and enhance operational efficiency\. Shaping product strategy through data\-driven roadmaps for MVPs and features, aligning technology solutions with business priorities and customer insights\. Orchestrating cross\-functional collaboration with Digital and Engineering leadership to design seamless, mobile\-first customer journeys\. Building fintech ecosystems by evaluating and onboarding partners, leading Proof of Concept \(POC\) initiatives, and defining success criteria to measure impact\. Leveraging analytics and dashboards to capture customer behavior metrics and translate insights into product enhancements that strengthen engagement and adoption\. Key Achievements : Delivered INSTAPAY & PESONET payment solutions, enabling seamless cross\-bank transfers\. Built a CRM platform for 2M\+ customers, improving service efficiency by 37%\. Integrated CPaaS \(call & chat\) into CRM, enhancing query resolution by 32% and customer experience\. Embedded Document Management \(SaaS\) with CRM workflows, boosting KYC efficiency by 37%\. Spearheaded agent app for loan underwriting, reducing TAT by 50%\. Deployed low\-code BPM debt collection system, improving efficiency by 27%\. Implemented AI\-driven underwriting & collections, cutting turnaround time by 40%\. Product Manager – Digital and Connected Commerce \| Credit Cards , Secured Loans and Payments at JPMorganChase, Oct 2021 \- Jul 2022 · 10 mos, Bengaluru, Karnataka, India, Managed Credit Card, Mortgage & Auto Loan products, ensuring alignment with business strategy\. Led cross\-functional teams \(ops, content, design, mobile\) to deliver seamless consumer\-facing app features\. Prioritised backlogs and collaborated with business teams for roadmap execution\. Drove data\-informed decisions by presenting product metrics and new features to leadership\. Embedded customer feedback loops, improving satisfaction scores and product adoption\. Key Achievement •Developed comprehensive requirements and design for "Buy Now Pay Later" solution, ensuring seamless user experience and operational efficiency\. •Optimized payment service messaging, leading to a 24% reduction in customer service inquiries\. Senior Lead – Payments, Open Banking APIs & Digital Channels at Bajaj Finserv, Mar 2021 \- Oct 2021 · 8 mos, Pune District, Maharashtra, India, •Product Manager, worked directly under Head of Digital Solutions, Payment and Open Banking API, to drive the initiatives\. •Drove strategic product roadmaps, incorporating market research and customer feedback to enhance features and user experience\. •Extended feature enhancements for consumer mobile apps, focusing on improving functionality and driving user engagement across platforms\. •Collaborated closely with operations, marketing, and technical teams to streamline product delivery and ensure alignment with business objectives\. •Conducted competitive analysis and market research to ensure product relevance and continued alignment with industry trends\. •Partnered with IT teams to ensure smooth integration of new lending features and ensure overall system stability and performance\. •Ensured timely launches through effective use of agile methodologies, ensuring cross\-team collaboration and rapid iteration\. •Used data analytics and customer insights to measure product performance, identifying areas for enhancement and continuous improvement\. Achievements : •Earned the "Best Payments & Collections Solution in India" award for pioneering EMI payments on BBPS, generating 7 crore collections\. •Digital Cash payment across 2\.5 lakh service stores with leading telecom operator, generating ₹2 crores in monthly collections\. •Partnering with Digital Cash providers to enable agent deposits at petrol pumps, POS Machines, Cash Deposit Machine and Kirana stores that allowed collection which exceed 100 crores / Monthly\. •Partnership with major digital wallets, integrating open APIs, allowing collections of monthly 6 crores monthly •Built chatbot solution for loan recovery and insurance renewal, reducing the delays and a revenue channel of 60 crore/monthly Lead \- Customer Portal and Digital Payments at Bajaj Finserv, May 2017 \- Feb 2021 · 3 yrs 10 mos, Pune District, Maharashtra, India, •Product Manager, worked directly under Head of Digital Solutions & Payment to drive the initiatives\. •Directed payment solutions and managed the web portal for retail customers to optimize functionality and user experience\. Drove cross\-functional integration to embed features into mobile apps\. •Led strategy discussions with marketing, business, and operations teams to define actionable solutions\. •Collaborated with engineering team to set clear acceptance criteria for feature delivery\. •Manage the prioritisation and development of the enhancement as per data driven analysis \(KPI\) and business outcome/impact •Evaluated FinTech partners and banks, developing and executing implementation plans for digital payment solutions\. Achievement: • •E\-collect Solution\. Awarded the Best Cash Management Project in Asian Bankers choice award 2018 •Managed the customer portal \(B2C\), supporting 10 lakh logins per month and unlocking a ₹100 crore cross\-sell opportunity for loans, credit cards and insurance\. •Created digital assets in customer portal for DIY journey for buying insurance and renewal, which supported an online sale of 20 crore\. Did integration with insurance partner to initiate the policy issuance and reconciliation on same day •Ideated EMI Card Service on the customer portal which has reduced customer queries by 57% and improved login\. •Spearheaded the successful delivery of horizontal e\-mandate solutions, resulting in ₹5 Crore annual cost savings for the organisation\. •Integration with 6 major banks in Online mandate registration, covering 67 percent of the customer\. First to partner with a Bank to start the OTP based E\-mandate, which increased the success footfall by 80 percent\. •Started recurring payment with UPI with small ticket for consumer finance loans\. Initiated Aadhar based mandate by using both OTP and Biometric mode\. Reduced cost further to approx\. 8\.6 crores annually Consultant Specialist \- Enterprise Strategy and COO Office at HSBC, Apr 2015 \- Mar 2017 · 2 yrs, Hyderabad, Telangana, India, Reporting to Head of Enterprise Solutions & Strategy ,driving technology initiatives as directed from COO office\. Spearheaded business analysis and requirement gathering for IT transformation projects within Enterprise Solutions team\. Governed product backlog prioritisation and feature release schedules in collaboration with partners\. Facilitated ongoing feedback sessions with stakeholders to drive continuous process improvements\. Collaborated with the product team to enhance end\-user functionality and optimize user experience\. Crafted business cases, reports, presentations for senior management, ensuring alignment with strategic goals\. Developed a comprehensive risk assessment framework for IT transformation projects, which improved project success rates\. Facilitated workshops with stakeholders to gather requirements and align project goals, resulting in increase in stakeholder satisfaction Achievements: Developed and launched an e\-signature module that improved HR operational efficiency by streamlining document signing and approval processes\. Project Manager at MAQ Software, Jan 2014 \- Mar 2015 · 1 y 2 mo, Hyderabad, Led digital product and solutions delivery across web, mobile and analytics for client engagements, translating business needs into product requirements and measurable outcomes\. Researched industry and emerging technology trends to define product KPIs and inform client product strategy\. Prepared sales proposals and go\-to\-market and marketing strategies that supported business growth and client acquisition\. Prioritised the product backlog with sales, design and development teams, aligning delivery to client and business objectives\. Presented product features and functionality to clients through demos and presentations, supporting pre\-sales and stakeholder buy\-in\. Led a team of 7 to deliver a web application that increased client engagement\. Set up a project tracking system that improved transparency and accountability and reduced project overruns\. Associate projects at Cognizant, Jun 2009 \- Jul 2012 · 3 y 1 mo, Kolkata, Lead Product Analyst & Scrum Master Led a 5\-member Agile delivery team providing functional consulting and business analysis for a major US wealth management bank\. Partnered with Product Owners and cross\-functional engineering teams to drive requirement scoping, sprint planning, and backlog estimation across multiple lines of business\. Oversaw task allocation, QA acceptance criteria, defect prevention, and mentored team members while tracking weekly/monthly operational metrics for a broader 30\-member technical team\. Programmer Analyst at Cognizant, Dec 2006 \- Dec 2008 · 2 y, Kolkata ## Education PGDM, General Management, Institute of Management Technology, Ghaziabad B\.Tech, Electronics and Communication Engineering, haldia institute of technology [View the original profile](https://tal.club/meet/abhik-dalal) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Person", "@id": "https://tal.club/meet/abhik-dalal#person", "name": "ABHIK DALAL", "url": "https://tal.club/meet/abhik-dalal", "image": "https://tal.club/meet/abhik-dalal/profile-photo.jpg", "description": "Meet ABHIK DALAL, Product Manager | Banking, Fintech , Digital Identity | Ex-JPMorgan, Bajaj Finserv, UNO Digital Bank, HSBC | AI/ML Driven Decisioning Platforms | Building India’s Aadhar Authentication Platform at UIDAI based in Bengaluru. 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