Headline

Senior Product Manager — Digital Payments | UPI · FedNow · SEPA Instant · ISO 20022 | Fintech & Banking | Fraud Risk | SAFe 6.0 POPM | Open to Head of Payments / Director PM Roles

About

I build payment products that process millions of transactions — reliably, securely, and at scale. With 11 years in fintech and digital banking, I specialise in instant payment rails (UPI, FedNow, RTP, SEPA Instant), payment gateway integrations, and regulatory compliance frameworks including ISO 20022, PCI DSS, and KYC/AML. I have delivered end-to-end product ownership across consumer, merchant, and banking segments — from early ideation through launch, scale, and P&L accountability. What I bring to a team: · 1) Product strategy and roadmap ownership in complex, regulated environments 2) Deep technical fluency — API contracts, payment gateway specs, ISO message flows. 3) Cross-functional leadership of engineering, compliance, risk, and business stakeholders. 4) Vendor evaluation, RFP management, and partner negotiations. 5) Agile delivery: SAFe 6.0, PSPO I certified, experienced with squads of 8–15 I have worked across product and consulting roles at GlobalLogic, H&M Group, DXC Technology, CRIF, and Amdocs — giving me both startup velocity and enterprise rigour. Currently at GlobalLogic as Product Manager, and actively exploring Senior PM, Principal PM, or Head of Payments roles at high-scale fintechs, global payment networks, or digital banks where I can drive transformational payment innovation. Open to opportunities across India and remotely. Let's connect.

Location

India

AI stack

opencode

claudecode

Work experience

Product Manager at GlobalLogic, Sep 2025 - Present · 1 yr, On-site, Driving product strategy and delivery for digital payment solutions within a global engineering services context. Owning the product roadmap, PRDs, and sprint execution for core payment features across merchant and consumer segments. Collaborating with cross-functional squads (engineering, QA, compliance, UX) to ship compliant, scalable payment products. Spearheading vendor evaluation and API integration frameworks for payment gateway partners.

Product and Business Expert | Digital Payments at H&M Group (Hennes & Mauritz AB), Oct 2024 - Jul 2025 · 10 mos, On-site, Led digital payment product initiatives for one of Europe's largest retail groups, covering in-store and e-commerce checkout flows. Defined and executed payment acceptance strategy across markets, supporting Visa/Mastercard, local wallets, and BNPL integrations. Partnered with compliance and risk teams to align payment journeys with PSD2, SCA, and GDPR requirements. Progressed from Product & Business Expert to Senior Product Expert within the engagement based on delivery impact. Vendor's integration: Razorpay, Adyen, Klarna, Paypal, Cybersource (Visa)

Product Owner | Business Analyst at DXC Technology, Aug 2023 - Oct 2024 · 1 yr 3 mos, Bengaluru, Acted as Product Owner for a banking technology programme, managing a backlog of 200+ user stories across 3 agile squads. Bridged business and technology for payment processing and account servicing features, writing detailed PRDs and API specifications. Facilitated sprint ceremonies, stakeholder demos, and UAT for regulated banking features including KYC workflows and AML checks. Delivered a payment reconciliation module that reduced settlement exceptions by improving STP (straight-through processing) logic.

Senior Business Analyst at CRIF, Nov 2020 - Feb 2023 · 2 yrs 4 mos, Pune Division, Delivered business analysis for credit risk and financial data products serving banks and NBFCs across India and EMEA. Mapped complex data flows for bureau integrations, defining business rules and validation logic across 5+ client implementations. Worked closely with product and engineering teams to translate regulatory data requirements (RBI, CIBIL) into technical specifications.

Senior Analyst for Business Operations at Bytewave Digital Consultant Pvt Ltd, Jan 2020 - Jul 2020 · 7 mos, Thiruvananthapuram, Kerala, India

Education

Engineer's Degree, Electrical and Electronics Engineering, Shri Ram institute of technology

Mgm higher secondary school