Headline

Product | Fintech, Data & AI | IIMB

About

• Fintech Product Leader with experience building & scaling Lending, Payments, Personal Finance & AI products. • Passionate about increasing financial literacy among millennials, GenZ; technology podcaster. • At Oportun, I enable the Credit Risk Organization to rapidly ship ML-based underwriting, fraud & collections strategies that adapt seamlessly to macro-economic shifts. • At Pine Labs, I led the pivot to omnichannel payments, automating manual Settlements and FinOps to transition from hardware-heavy to subscription-based revenue. • At Rakuten, I built smarter E-commerce & Fintech experiences using AI. • At Yodlee, I enabled traditional US banks to provide neo-banking solutions to millennials. PS: Please include a brief note when sending a LinkedIn connect request. Else I might decline the request.

Location

Bengaluru

AI stack

claude

codex

gemini

github copilot

Work experience

Principal Product Manager - ML at Oportun, Jun 2024 - Present · 2 yrs 3 mos, Bengaluru, Building ML & Decisioning Platform for Loan Originations (Credit Risk, Application Fraud) and Collections

Personal goal pursuit at Career Break, Sep 2023 - May 2024 · 9 mos, Bengaluru, Karnataka, On a career break. PS: Launched a personal finance consultation service for my connections (https://topmate.io/anoop_bs). Do book my topmate service if you want to review your finances.

Associate Vice President Product - Payments at Pine Labs, Jun 2022 - Aug 2023 · 1 yr 3 mos, Bengaluru, Karnataka, India, Enriching omni-channel merchant experiences Post payment platforms • Reconciliation & Settlements - Transformation & Platform Overhaul • Payments Acquiring - New Product Design • Subscriptions, Billing, Invoicing & AR-Collections - Transformation

Senior Product Manager - Data Science, Fintech at Rakuten India, Jul 2019 - Jun 2022 · 3 yrs, Bangalore, Democratizing Data Access and Sciences at Rakuten, enabling AI services at scale (100+ MM users, 50+ businesses). Leading cross-functional teams based out of multiple geographies (India, Japan, Singapore & China) Built • Data Science Platform (Data Management and MLOps) (Rakuten Group) • Merchant AI Solutions for eCommerce (Rakuten Ichiba) • AI Marketing Platform for Investments company (Rakuten Securities) • CRM platform for payments app (R-Pay) Built prototypes for Fintech businesses • Solving scale challenges for Fintech (Rakuten Payments) • Analytics capabilities for merchants of payments ecosystem (Rakuten Payments)

Product Manager - Fintech at Yodlee, May 2016 - Jul 2019 · 3 yrs 3 mos, Bengaluru Area, India, • Neo-banking (Personal Finance) & Personalization for US Banks • Credit enablement & Account Aggregation for Indian Banks & Fintechs • Collaborating with sales teams • Mentoring junior PMs, UX designers, interns

Senior Engineer at Ittiam Systems, Jun 2010 - May 2014 · 3 y 11 mo, Bangalore

Education

Master of Business Administration (M.B.A.), Marketing and Strategy, Indian Institute of Management Bangalore

B E, Electronics and Communication, RV College of Engineering