Headline

Product Manager | Fintech, Payments & Embedded Finance | Ex-Axis Bank, Deloitte

About

I build the data and product infrastructure other things run on. Most recently, as founding PM at Fixerra, an open banking platform spanning fixed income, credit products and wealth management, I defined the instrument model across 9 bank and NBFC sources — mastering attributes, resolving conflicts between sources, and shipping a versioned API that 45+ partner apps built on. I ran the vendor relationships myself, from field requests to licensing, and owned entitlements so data never crossed into journeys it wasn't cleared for. Before that, at Axis Bank, I owned reconciliation and anomaly detection on a portfolio processing 1.5 million transactions a day, cutting settlement breaks 60% through better matching logic. I write specs engineers can build from without a follow-up meeting, and I'm comfortable enough in SQL and MongoDB to investigate issues myself rather than wait on someone else's read. I care about the unglamorous middle layer — data models, contracts, vendor terms — because that's usually where things quietly break. Singapore-based, open to senior product roles in fintech, data platforms and embedded finance.

Location

Singapore

AI stack

claude code

claude

grok

lovable

n8n

obsidian

Work experience

Senior Product Manager at Fixerra, Jun 2023 - May 2026 · 3 yrs, Mumbai, Fixerra is a FinTech platform enabling partner banks and NBFCs to launch digital savings and fixed deposit products through modular APIs and AI-powered automation. Key Achievements: • Led Fixerra’s transformation from a B2C fixed-deposit app to a B2B API-first platform, embedding AI-based automation and partner-specific onboarding flows. • Built an AI Agent to answer partner queries, provide real-time integration support, and enable faster go-lives — reducing operational overhead and dependency on manual tech support by 45%. • Designed AI-enabled modules for customer segmentation, transaction anomaly detection, and personalized savings recommendations. • Built and launched MiniSave, an AI-backed daily/weekly savings product that adapts to user behavior and spending patterns. • Architected journeys for Fixed Deposit booking, Video KYC, and FD-backed Credit Card products with AI-led validation and fraud detection layers. • Collaborated with bank data and compliance teams to implement AI decision systems improving KYC accuracy and partner onboarding efficiency. • Introduced AI-based issue classification and routing, improving First Contact Resolution (FCR) and overall support response time. Impact: → Reduced manual partner query handling by 45% through AI Agent automation. → Cut integration turnaround time by 30% with modular APIs architecture → Delivered 3 new 0→1 product launches within 9 months.

Senior Product Manager at Saltmine, Feb 2023 - May 2023 · 4 mos, Bengaluru, Conceptualised and building recommendation system for real estate portfolio of Fortune 500 companies on SaaS platform of Saltmine

Senior Product Manager at Axis Bank, Apr 2022 - Jan 2023 · 10 mos, India, Owned the credit card portfolio on a book processing 1.5 million card transactions a day, across acquisition, activation, spend, EMI and rewards, and the settlement and reconciliation underneath. 1. Launched the bank's first end-to-end digital acquisition journey for credit cards, covering application, eligibility, KYC, decisioning and issuance with no branch dependency. 80% digital penetration within six months. 2. Raised card activation from 40% to 60% by mapping the post-issuance journey end to end and clearing blockers across delivery, PIN setup and first transaction with operations and customer service. 3. Cut settlement breaks by 60% by replacing manual matching with rule-based automation and exception queues across order handling, settlement and reconciliation. 4. Grew average spend per card by 8% in a year by building out offer discovery, redemption and merchant offers with marketing and merchant partnership teams. 5. Converted 7% of eligible transactions to EMI at point of purchase, and unified repayment across dues, EMIs and loans into a single flow with lending, risk and collections. 6. Built anomaly detection over card transaction and application patterns, with alerting thresholds and a review queue that turns a flag into an action.

Product Manager at Axis Bank, Jul 2020 - Mar 2022 · 1 yr 9 mos, India, 1. Scaled add-on credit cards for family members to 10,000 issued a month, building eligibility, add-on holder KYC, limit sharing and issuance on customers already inside the primary relationship. 2. Shipped regulator-compliant forex and remittance journeys covering purpose codes, documentation and limits, supporting 8,000 forex cards issued a month. 3. Instrumented card and payment funnels end to end, identifying regressions from telemetry and re-sequencing KYC, payment and verification steps to lift completion. 4. Partnered with risk, legal and compliance to take card and payment journeys through regulatory review without holding up release dates.

Associate Solution Advisor at Deloitte India (Offices of the US), Aug 2017 - May 2018 · 10 mos, Bengaluru Area, India, 1. Served multiple Global clients across industries such as Consumer and Industrial products. 2. Experienced in SAP ERP Central component (ECC), Business Intelligence (BI), Supply chain management (SCM), Customer relationship management (CRM), SAP Solution Manager (SOLMAN), High Performance Analytic Application (SAP HANA)

Analyst at Deloitte India (Offices of the US), Jun 2016 - Aug 2017 · 1 yr 3 mos, Bengaluru Area, India

Education

MBA, International Business, Indian Institute of Foreign Trade

Bachelor of Engineering - BE, Electronics, Sardar Patel Institute of Technology