Headline

Digitalizing Banking... One Process at a time... Senior Product Leader | Digital Banking | Inclusive UX | FinTech | Future CPO

About

Digital banking professional with 16+ years of experience leading digital product strategy, transformation, and delivery across retail and corporate banking. I specialize in building scalable, enterprise-class digital solutions across onboarding, lending, deposits, cards, and servicing—aligned with regulatory frameworks and business growth goals. I’m a value-driven leader with a track record of launching impactful digital products and leading high-performing, cross-functional teams across geographies. I’ve successfully driven complex programs across India, APAC, and global markets, collaborating with technology, UX, operations, compliance, and FinTech partners. Deeply passionate about user experience design and web accessibility, I believe great digital products must be intuitive, inclusive, and seamless—enabling every user, regardless of background or ability, to engage effortlessly. I’ve led large-scale UX transformations and championed accessibility in digital banking channels. My product leadership is rooted in data-driven decision-making, strategic vision, and a strong customer orientation. I’ve led programs leveraging APIs, analytics, AI/ML, and mobile-first architecture—contributing to award-winning digital platforms and measurable business impact. I'm continuously exploring emerging trends in FinTech, embedded finance, and platform ecosystems, and mentoring early-stage innovators through accelerator programs. Let’s connect to explore how we can shape the future of digital banking—together.

Location

Bengaluru

AI stack

anthropic apis

claude

Work experience

Vice President - Digital Product Manager at JPMorganChase, Sep 2023 - Present · 3 y 1 mo, Bengaluru, Defined and executed multi-year strategy for a AI enabled global digital onboarding platform, enabling 24-hour onboarding for commercial banking clients across multiple markets, down from 40 days. Built and scaled a global product organization across Product, UX, Engineering, and Data teams, implementing a follow-the-sun delivery model to improve speed-to-market. Established KPI-driven product governance across onboarding adoption, funnel conversion, and operational SLAs to drive data-led prioritization and optimization. Led transformation of onboarding, KYC, and fulfillment journeys balancing regulatory compliance with scalable digital-first experiences. Influenced senior leadership across business, operations, risk, finance and technology to drive roadmap prioritization and enterprise adoption. Recipient of the APAC CEO Award for Innovation & Client-Centricity.

Associate director at Standard Chartered GBS, Mar 2021 - Sep 2023 · 2 y 6 mo, Bengaluru, Led strategy and execution for an API-driven Digital Supply Chain Finance origination and servicing platform across 12+ markets, onboarding 5,000+ clients while reducing TAT by 70%. enabling onboarding-to-credit approval within 8 hours for SME clients. Defined product roadmaps aligned to business OKRs, regulatory requirements, and regional scalability objectives. Established KPI- and OKR-driven product governance frameworks to improve prioritization and business alignment. Built and managed geographically distributed Product Management teams across India, Singapore, London, and Malaysia.

Lead Associate - Client Juourney Tribe at Deutsche Bank, Sep 2019 - Mar 2021 · 1 y 6 mo, Mumbai, Led the newly established Customer Journey Tribe within Private Banking, owning the end-to-end transformation of pre-onboarding sales enablement and retail onboarding platforms through strategic ideation, solution design, and agile execution. Built and scaled cross-functional tribe comprising product analysts, UX designers, and engineering teams, fostering a strong product culture focused on measurable customer and business outcomes. Directed the creation of a Digital Loan Origination platform for Home and Personal Loans integrating credit, financial, legal, and tax data systems, reducing loan approval turnaround time from 15 days to 1 day and lowering post-assessment drop-offs from 40% to 2%. Rolled out a Microsoft Dynamics-based CRM platform integrated with onboarding workflows, enabling 360° customer visibility for relationship managers and leadership teams while improving lead conversion by 40%. Designed and implemented a rule-based Incentive Management System to enhance transparency across sales targets, achievement tracking, payouts, and clawbacks, reducing incentive-related disputes by 70%.

Senior Manager at YES BANK, Jun 2017 - Sep 2019 · 2 y 3 mo, Mumbai, Owned the product solution, architecture, and launch of a next-generation omni-channel digital banking platform built on a mobile-first, API-enabled architecture, enabling seamless internal and external integrations and preparing the bank for API banking and digital ecosystem partnerships. Led the complete UX transformation of the bank’s mobile and internet banking platforms, establishing a scalable and modern design system to deliver a consistent and intuitive customer experience across digital channels. Conceived and launched an industry-first ML and big-data-powered Offer Engine and Next Best Action (NBA) platform, along with 400+ features across deposits, lending, cards, investments, payments, and digital servicing capabilities in retail banking. Served as Evaluation Committee Member & FinTech mentor for Yes Accelerator FinTech program. Recognized with internal “Program of the Year” awards for strategic transformation and innovation impact.

Senior Consultant at Oracle Financial Services Software, Oct 2010 - Mar 2017 · 6 y 5 mo, Mumbai

Graduate Engineer Trainee at CMI-FPE LIMITED, Jan 2010 - Oct 2010 · 9 mo, Mumbai

Education

General Management Program for Executives, Indian Institute of Management, Lucknow

BE, Electronics Engineering, K J Somaiya College