Headline

Product Manager@M2P Fintech | Formerly Product@ICICI Bank | AI Product Management | NIT Jaipur | PMP® Certified

About

I’m a product manager working at the intersection of fintech, payments, and AI, with experience building and scaling products across both banking and startup ecosystems. At M2P Fintech, I’ve owned prepaid payments and FASTag products, driving API-led integrations with banks and launching 0→1 solutions like expense management and fuel payments. Prior to that, at ICICI Bank, I worked on a large-scale supply chain finance platform processing ₹3000Cr+ monthly GTV, where I focused on reliability, real-time systems, and enterprise integrations. What differentiates my approach is a strong inclination towards systems thinking and problem-solving at scale, combined with hands-on execution. I’ve worked deeply on payment rails (UPI, BBPS, payment gateway), compliance-heavy ecosystems (NPCI, RBI), and high-volume transaction systems—while consistently improving efficiency, reducing latency, and driving adoption. Alongside fintech, I’ve been actively building in AI. I’ve developed an AI Evaluation Engine to measure LLM output quality (hallucination, groundedness) and an AI Career Navigator using agents for decision-making workflows. I’ve also built internal AI tools like a RAG-based knowledge system to eliminate dependency on tribal knowledge. Overall, I bring a blend of product thinking, technical depth, and emerging AI capabilities, with a focus on building scalable, real-world systems that solve meaningful user problems.

Location

Hyderabad

AI stack

aistudio

claude code

claude

hugging face

lovable

mcp

Work experience

Product Manager at M2P Fintech, Aug 2025 - Present · 1 yr 3 mos, India, Leading prepaid payments & FASTag product strategy

Technical Product Manager at ICICI Bank, Jul 2022 - Aug 2025 · 3 yrs 2 mos, Hyderabad, Led product ownership of ICICI Bank’s Supply Chain Finance platform (Finastra), spanning payables, receivables, and vendor/dealer financing, supporting 120+ enterprise anchors and 4,000+ vendors. Translated complex business and lending rules into scalable product workflows, optimizing end-to-end invoice discounting and settlement journeys to reduce friction and improve turnaround times. Owned product delivery across releases, UAT, and production, collaborating with engineering and operations to resolve critical issues in interest computation, limit utilization, and reconciliation flows. Drove improvements in onboarding experience, fixed data inconsistencies, addressed audit gaps, and automated operational processes to enhance efficiency and platform reliability. Strengthened platform scalability and resilience by driving infrastructure upgrades, including RAC database architecture, load balancing, and disaster recovery setup—improving system uptime to 99% and ensuring high availability for large-scale transaction processing.

Data Science Intern at Exposys Data Labs, Apr 2021 - May 2021 · 2 mos, Objective: Develop a predictive model to identify individuals at risk of diabetes based on key health indicators. Algorithms Used: K-Nearest Neighbors, Support Vector Classifier, Logistic Regression, Decision Tree, Gaussian Naïve Bayes, Random Forest, Gradient Boosting, Extreme Gradient Boosting Classifier, Adaptive Boosting. Key Highlights: 1. Data preprocessing and feature engineering for better accuracy 2. Model comparison and performance evaluation using metrics like AUC-ROC, Precision, Recall, and F1-score 3. Identified the most influential features for early diabetes detection 4. Achieved 77% accuracy with Gradient Boost.

Education

Bachelor of Technology - BTech, Malaviya National Institute of Technology Jaipur

Jagat Mission Senior Secondary School

Public links

sunrise-elm-b2c.notion.site: https://sunrise-elm-b2c.notion.site/Hi-I-m-Atul-I-m-a-Product-manager-5a870894a05e8251961a8188e5698ebf?source=copy_link