--- title: "Akash D. - Product Manager in Bengaluru | Tal" description: "Meet Akash D., Product Manager | AI-Native & Agentic Platforms | Payments, Fintech & Insure-tech Infrastructure | Scalable B2B & B2B2C Systems based in Bengaluru. AI stack includes gemini, langchain, and openai." image: "https://tal.club/meet/akash-70/share-image" --- # Akash D\. on Tal ## 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 [View the original profile](https://tal.club/meet/akash-70) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Person", "@id": "https://tal.club/meet/akash-70#person", "name": "Akash D.", "url": "https://tal.club/meet/akash-70", "image": "https://tal.club/meet/akash-70/profile-photo.jpg", "description": "Meet Akash D., Product Manager | AI-Native & Agentic Platforms | Payments, Fintech & Insure-tech Infrastructure | Scalable B2B & B2B2C Systems based in Bengaluru. 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