Headline

Product at Candescent | Ex-FIS | TechFin

About

I am a Product Manager with 10 years of experience delivering impactful solutions in digital banking, core banking and fintech. I specialize in building end-to-end banking platforms, digital onboarding journeys, and compliance-driven financial products adopted by over 1M+ customers globally. At FIS, I led product development for the MBP core banking platform features, delivering NACHA-compliant ACH micro-transaction standardization and modernizing retail & commercial deposit workflows. At Decimal Technologies, I launched retail self-onboarding platform and built a field executive solution that cut SME account opening TAT from 3–4 days to under 2 hours. At Newgen, I redesigned Document & Records Management products from scratch, contributing to $10M+ in revenue growth. I excel at product vision, roadmap ownership, regulatory alignment, and cross-functional leadership — turning complex financial requirements into scalable, user-centric solutions.

Location

Bengaluru

AI stack

claude code

cursor

Work experience

Product Manager at Candescent, Mar 2026 - Present · 6 mos, Bengaluru, Karnataka, India, - Define product requirements, user experiences, and deployment strategies for digital banking solutions - Shape and prioritise product features to drive impactful delivery - Partner with engineering and cross‑functional teams to ensure high‑quality, on‑time product releases - Support product strategy, pricing, and P&L decisions through customer insights and market research - Build a deep understanding of users through personas, journey mapping, and continuous feedback - Lead agile execution by managing the roadmap, backlog, and participating in all key ceremonies.

Senior Product Owner at FIS, Jan 2022 - Mar 2026 · 4 yrs 3 mos, Gurugram, Haryana, India, - Led end-to-end feature development of Core Banking platform for Tier-1 U.S. banks. - Delivered NACHA-compliant ACH processing and modernized retail & commercial deposit workflows. - Introduced Time Deposit Simulation, enabling executives to assess early withdrawal impacts. - Drove 25% faster delivery velocity and 30% fewer production issues through agile adoption.

Product Manager at Decimal Technologies, Sep 2020 - Dec 2021 · 1 yr 4 mos, Gurugram, Haryana, India, - Built Retail Self-Onboarding Web App for Private Indian Bank, streamlining digital savings account opening. - Launched Field Executive App for SME current account onboarding in remote/low-network areas, cutting TAT from 3–4 days to under 2 hours. - Scaled onboarding platform to process 100k+ accounts/month with Aadhaar, PAN, CKYC, and Video KYC integrations. - Improved NPS and conversions through UX redesign of customer journeys.

Product Manager at Z1 Tech, Jun 2020 - Aug 2020 · 3 mos, Gurugram, Haryana, India, - Managed product features in programmatic advertising, enhancing targeting and optimization. - Achieved +15% CTR and +12% conversions with new campaign optimization features. - Pivoted to fintech-focused product management for stronger domain alignment.

Product Owner at Newgen Software, Jun 2016 - May 2020 · 4 yrs, New Delhi Area, India, - Owned Document Management System (DMS) & Records Management System (RMS) products for BFSI clients across APAC & EMEA. - Redesigned DMS & RMS from scratch (UI/UX) modernized legacy systems, boosting adoption. - Contributed $10M+ in revenue through compliance-driven enhancements. - Reduced implementation timelines by 25% and shortened sales cycles by 22% with prototypes & tailored demos. - Led development of the DMS Mobile App, enabling clients to access, manage, and approve documents securely on-the-go, improving adoption among enterprise users.

Education

Master of Business Administration (MBA), Marketing and Operations, University Business School, Panjab University

Bachelor of Technology (B.Tech), Computer Engineering, Punjabi University