Headline

Product Manager | AI-Native & Agentic Platforms | Payments, Fintech & Insure-tech Infrastructure | Scalable B2B & B2B2C Systems

About

Most products don’t fail because of bad ideas - they fail because they don’t scale into reliable systems or deliver real business impact. That’s the gap 🧠 I focus on solving. • AI-first Product Manager with experience across multiple domains like Payment Infrastructure, BFSI - Stack, Healthcare-tech, and data platforms. • Built and scaled 0→1 LLM-based products into production-grade systems in complex, regulated environments. • Strong focus on API-first platforms to unify fragmented, multi-stakeholder ecosystems. • Improved user journeys and operational workflows across onboarding, payments, claims, reconciliation, and risk systems. • Experienced in compliance-heavy systems, regulatory constraints, and large-scale integrations. • Proven experience across Product Management including 0→1 development, product delivery, growth, and customer feedback loops for continuous CX improvement. 🎯 Current Focus • Building AI-native and agentic platforms to automate decision-making and workflows • Applying AI across onboarding, search, document processing, and operational systems • Driving revenue, efficiency, scalability, and intelligent automation in high-volume platforms 💪 Core Strengths • 0→1 Platform Building & Monetization using LLMs • Product Strategy, Roadmaps & GTM Execution • API-First & Distributed Systems Architecture • AI-Native Platform Innovation (GenAI, Agentic Workflows) • Payments, FinTech & Claims Infrastructure • Data-Driven Systems & CXO-Level Impact Whether you're breaking into Product Management, navigating 0→1 challenges, or scaling complex platforms - let’s connect and build together. 📩 akashdm.work@gmail.com

Location

Bengaluru

AI stack

gemini

langchain

openai

replit

Work experience

Product Manager at IHX - A Perfios Company, Oct 2025 - Present · 9 mos, Bengaluru, • Building AI-native health-tech platform, driven by data-led decision-making and integrated with Digital Public Infrastructures, • Reimagining the platform through AI-native products, replacing manual processes with predictive, automated decision systems across hospitals, insurers, and national health programs, (ABDM, NHA) Objectives - Fragmented System to Unified System Acquisition & Onboard Fraud & Risk Layers Transaction Optimization Work Flow Enhancements

Product Manager - Utilities and Bill Payments at FSS, Jan 2025 - Sep 2025 · 9 mos, Bengaluru, AI-Native & LLM-Based Systems • Conceptualized an AI-native Recon system powered by LLM's - based RAG architecture, achieving high automation in reconciliation accuracy 85%, reducing manual effort, and improving settlement turnaround time. • Built confidence-scored human-in-the-loop workflows for exception handling and audit-ready settlement validation in reconciliation. Global Payment Experience - Utilities and Bill Payments (Middle East) • Drove roadmap execution across 20+ microservices in payment suites, card schemes, local payments and channels contributing to ₹XX Cr to ₹XX Cr annual revenue. • Led large-scale integrations across channels, PSPs, payment gateways, orchestration layer and enterprise billing systems, enabling scalable payment orchestration. • Worked across card network and ecosystem partnerships including Visa and Mastercard to enable secure and compliant payment flows such as Tokenization, Dynamic Routing. • Enhanced fraud and risk systems for utility and bill payments, significantly reducing fraudulent transactions while maintaining strong precision and low false positives less than <0.2% FPR.

Product Manager - Payments Platform & Acquiring at FSS, Feb 2023 - Dec 2024 · 1 yr 11 mos, Bengaluru, Karnataka, India, Payments Platform Modernization & Unification Client Profile - Enterprise Banks of India, Middle and Africa • Led modernization of payments platform across acquiring, onboarding, and risk systems across India & Middle East markets & Africa, driving XX Cr to XX Cr in annual revenue. • Drove 0→1 initiatives and growth features for cloud-native, API-first payments infrastructure, improving platform scalability and adoption. • Built and optimized merchant onboarding and payment journeys, significantly reducing onboarding time less than a day and improving SME 50 % activation. • Improved transaction success by XX% and through key product enhancements across Payment stack, authentication, routing, and user experience. • Optimized framework for Product roadmap and Prioritization using category based classification of Action Items ensuring stakeholder visibility and faster decision making. • Enhanced Fraud and risk stack to prevent payment failures and minimize financial exposure, with a FPR less than <0.2%. • Recognized with internal awards and industry hackathon recognition for innovative payments solutions. • Right Brain Champion Award - 2024 • Team of the Quarter Award - 2024 • NPCI Ideathon Runners Up - Team FSS (4 Member Team) NCMC Mobility Card (Global Fintech Fest - 2024) • Champion of the Quarter Award - 2024

Business Analyst - Conversational AI Platform at Yellow.ai, Apr 2022 - Feb 2023 · 11 mos, Bengaluru, Karnataka, India, Led product ownership of GenAI-driven solutions across government, and fintech verticals. Client Profile – Government of India, State Governments, and Enterprise Clients across India, and the Americas • Transformed ticketing experience using WhatsApp and QR-based journeys, reducing congestion by 40% within 6 months, enabling ₹2Cr+ revenue and supporting 25K+ DAU. • Built an AI-powered in-app banking assistant for a Global Asian Bank, integrating core banking APIs to automate customer servicing, driving 60% self-service adoption and reducing support workload by 35%; led product delivery and stakeholder alignment across a 10+ member cross-functional team. • Built end-to-end WhatsApp Commerce flows covering payment processing, collection, and conversational checkout journeys, driving adoption across retail use cases. • Integrated payment SDKs including Stripe, Razorpay, and PayU, enabling embedded payment links and real-time transaction status tracking across journeys.

Business Analyst - Onboarding Platform at Signzy, Jul 2020 - Apr 2022 · 1 yr 10 mos, Bengaluru, Karnataka, India, Led product ownership of enterprise onboarding platforms across India and the Middle East Client Profile – Enterprise Banks in India & Middle East • Redesigned retail current account onboarding with no-code KYC/KYB, AML, FATCA, underwriting, V-KYC, and payment gateway workflows across web & mobile reducing onboarding TAT to under a day through DIY + assisted journeys with Maker-Checker operations. • Owned end-to-end integration of Payment Gateway (CC-Avenues) for account funding, improving transaction success rates through intelligent payment downtime detection and UX-led payment flows. • Drove monthly revenue of ₹1.5Cr to ₹2Cr by prioritizing product roadmap and integrating 15+ APIs (CKYC, UIDAI, GSTIN) with core banking platforms including Infosys Finacle and CRMNEXT.

Software Engineer at Meltwater, Nov 2019 - May 2020 · 7 mos, Bengaluru, Karnataka, Client Profile – Enterprise Clients across Europe and Latin America • Supported the launch of Klear Pay by driving bulk payout workflows and invoicing automation within the platform. • Coordinated third-party payment integrations with Tipalti and tracked transaction success rates, adoption, and monitored operational efficiency across the product rollout lifecycle.

Education

Master's Degree, Computer Science, Christ University, Bangalore

Bachelors Degree, Computer Applications, Ramaiah Institute Of Technology