Headline

Associate Director – Product | FinTech & RegTech | AI/ML | API-First Platforms & SaaS | US & India Regulatory Compliance | Core Banking, Credit Card & Data Platforms

About

I am a FinTech Product Leader with ~20 years of experience building scalable financial platforms across Core Banking, Credit Cards, Regulatory Technology, and AI-powered Data ecosystems. Currently Associate Director – Product at Zeta, where I lead next-generation credit card processing platforms, US & India regulatory-compliant product architectures, and enterprise-grade Data Lake infrastructure powering ML-driven financial services. My leadership spans: • Building US-compliant credit card platforms (RegZ, Charge-off, Bankruptcy, State-level restrictions, Change-in-Terms) • Architecting API-first, microservices-based financial ecosystems • Conceptualizing and launching multi-tenant Data Lake platforms (Redshift → Serverless optimization) • Accelerating ML inferencing cycles from days to hours • Driving SaaS packaging, GTM strategy, enterprise RFPs, and client solutioning • Leading cross-functional product, engineering, compliance, and business teams Earlier, I led Core Banking transformations (Finacle SME), regulatory implementations at DBS, mobile banking modernization at RBS, and global banking rollouts at Infosys across 25+ banks. Currently pursuing M.Tech in AI & ML (BITS Pilani) to deepen expertise in intelligent financial platforms.

Location

Bangalore Urban

Work experience

Vice President at Ujjivan Small Finance Bank, Jun 2026 - Present · 2 mo, Bangalore

Associate Director - Product at Zeta, Jul 2023 - May 2026 · 2 y 10 mo, Bengaluru, Karnataka, India, Executive Product Ownership – Credit & Compliance Platforms Own product strategy for US & India compliant credit card architecture across federal and state regulatory frameworks Designed scalable status and restriction engines using configurable state-machine models Built regulatory capabilities including Charge-off, Bankruptcy, Cease & Desist, Change-in-Terms, and NPA management Partnered with Compliance leadership to significantly reduce compliance-related production issues API-First Platform & SaaS Strategy Led development of API-driven credit card processing capabilities for enterprise programs Architected modular SaaS packaging aligned to geography and regulatory segmentation Supported enterprise GTM initiatives including RFP responses, solution demos, and executive client discussions Data & AI Platform Leadership (Olympus Lake Stack) Conceptualized and launched multi-tenant Data Lake platform supporting internal SaaS products Migrated infrastructure from Redshift-to-Redshift Serverless, optimizing compute isolation and cost efficiency Enabled programmatic ML model deployment, reducing inferencing timelines from days to hours Established Data Lake as core backbone for analytics, ingestion, and ML workflows Product Enablement & Thought Leadership Built enterprise knowledge portal (Tachyon) from scratch Designed scalable product training frameworks and bootcamps Authored whitepaper and blog on US State & Federal Compliance for credit products

Senior Solution Architect at Zeta, May 2022 - Aug 2023 · 1 yr 4 mos, Bengaluru, Karnataka, India

Associate Director at Eka Software Solutions, Apr 2021 - Apr 2022 · 1 yr 1 mo, Bengaluru, Karnataka, India, Built and scaled a 12-member Reports Center of Excellence serving global enterprise clients Delivered 50–100 high-complexity BI and SAP Crystal reports monthly Reduced reporting delivery cycle time by 40% through Agile transformation Managed financial budgeting and workforce allocation for the CoE Delivered blockchain-based ETH contract recording solution for a government client Supported CTRM platform customization and AWS-based cloud deployments

Senior Manager Consulting Services at Eka Software Solutions, Dec 2018 - Apr 2021 · 2 yrs 5 mos, Bengaluru, Karnataka, India, Commodity Trading, CTRM

Senior Associate / Senior Manager at DBS Bank, Feb 2015 - Dec 2018 · 3 yrs 11 mos, Bengaluru Area, India, Led regulatory system implementations including Finnaxia (Receivables Re-engineering), TRRACS, and GST Managed India Wholly Owned Subsidiary IT PMO coordination Established host-to-host regulatory connectivity frameworks Participated in architecture reviews and compliance reconciliation governance India entity creation and Branch expansion project under WOS Other Projects include Xelerate GST, FinnaXia. Finacle, TRRACS, Tally Integration with Corporate Banking applications

Development Manager – Retail Banking at Royal Bank of Scotland, Nov 2013 - Feb 2015 · 1 yr 4 mos, Mumbai Area, India, Led Core Banking upgrade from Finacle 6.x to 10.x Managed 25+ direct/indirect team members across customization tracks Delivered native Mobile Banking applications Led penetration and stress testing initiatives Drove regulatory change implementations in retail banking systems

Lead Business Analyst – Regulatory Systems at iCreate Software, Aug 2012 - Nov 2013 · 1 yr 4 mos, Bengaluru, Karnataka, India, Led implementation of Automated Data Flow (ADF) regulatory platform for Bank of America Designed regulatory reporting architecture using MicroStrategy and Oracle Coordinated product enhancements aligned to evolving regulatory mandates

Education

Executive Fellow Program in Management, Information Technology, Indian Institute of Management Raipur

MBL, Business Laws, National Law School of India University