Headline

Senior Product Manager | Scaling Payments & Credit Card Platforms to 940K+ Daily Transactions | Reconciliation, Risk & AI-Driven Automation

About

Senior Product Manager with 14 years building and scaling payment and credit systems across fintech and retail — currently owning the Payments on Account platform for Target's Circle Card, processing ~940K transactions daily across the U.S. I specialize in payments infrastructure, reconciliation and financial accuracy, and platform modernization at scale — most recently leading an enterprise-wide Fiserv migration spanning multiple systems and vendors. I partner closely with Engineering, Fraud, Compliance, and Finance to turn ambiguous, high-risk problems (settlement discrepancies, short/excess postings, platform migrations) into measurable improvements in accuracy and delivery predictability. I've also scoped and am currently driving an AI-powered reconciliation initiative that aggregates data across multiple sources to automatically detect variances — aimed at cutting manual investigation time and catching discrepancies earlier. Earlier in my career I owned a global B2B bill payments roadmap at Spenmo, scaling AutoPay adoption from 5% to 90% and growing Total Payment Volume 40%, and spent over five years at ThoughtWorks driving product strategy and discovery for clients including Gojek, Polaris, and HealthEdge. I'm looking for Senior/Lead Product Manager roles in Payments, Fintech, and Platform organizations where I can own complex, high-scale problems end to end — from product vision through technical execution — particularly in payment processing, credit/lending, reconciliation, and risk. Core strengths: Payments & Credit Card Platforms · Reconciliation & Financial Systems · AI-Driven Automation & Anomaly Detection · Platform Scaling & Modernization · Cross-functional Leadership (Engineering, Fraud, Compliance, Finance) · Product Discovery & Strategy

Location

Bengaluru

AI stack

claude

openai

ChatGPT

Work experience

Senior Product Manager at Target, Jul 2023 - Oct 2026 · 3 yrs 4 mos, Bengaluru, Karnataka, India, Own the Payments on Account platform for Target's Circle Card ecosystem, processing ~940K daily transactions with a direct mandate on financial accuracy, compliance, and reliability at national scale. Led an enterprise-wide Fiserv migration spanning multiple systems and vendors, rebuilding end-to-end payment processing and reconciliation workflows to reduce settlement risk and improve financial accuracy. Diagnosed and resolved recurring payment discrepancies (short/excess postings, settlement failures) by partnering with Engineering, Fraud, Compliance, and Finance — cutting financial risk exposure while introducing AI-assisted reporting and reconciliation automation.

Senior Product Manager at Prescinto, Feb 2023 - Jul 2023 · 6 mos, Bengaluru, Karnataka, India

Senior Product Manager at Spenmo, Jan 2022 - Jan 2023 · 1 yr 1 mo, Bangalore Urban, Karnataka, India, Owned the global product roadmap for a B2B bill payments platform, driving discovery and prioritization across Product, Engineering, and Sales to align execution with customer and business needs. Scaled AutoPay adoption from 5% to 90% by identifying and removing adoption friction through user research and iterative product changes — directly increasing Total Payment Volume by 40%. Built cross-functional processes between Product and Sales to translate customer pain points into a prioritized backlog, shortening the path from insight to shipped feature.

Senior Consultant - Product Manager at Thoughtworks, Jan 2018 - Jan 2022 · 4 yrs 1 mo, Bengaluru, Karnataka, India, Drove product strategy and discovery for enterprise clients including Gojek, Polaris, and HealthEdge — defining product vision, roadmap, and release quality in partnership with Marketing, BI, and Business Development. Ran continuous user research and competitive analysis to uncover product gaps, translating findings into a prioritized backlog and measurable improvements in user experience and growth. Partnered with UX, Engineering, and QA to ship incrementally, closing the loop between customer research, product metrics, and delivery.

Business Analyst at Thoughtworks, Jun 2016 - Jan 2022 · 5 yrs 8 mos, India, Operational Insight was an internal project under techops team. As Operational Insight team, we needed to bringing together all the most common operational information into one, easily accessible platform which would help us drive our operations within a business smoothly. As a part of this team, we needed to develop a dashboard which would help the management to run day to day business and also focus on the future of the company. Some of the components shown where Revenue, Utilisation, Headcount, Unpaid Invoices, Cash Balance, CGM(Client Gross margin) and Pipeline View etc. We needed to interact with different teams within the organization like HR, finance, operation to understand the operation process and how can we make their work more easy. Some of the key skills required for the project :- Worked on Kanban Requirement Gathering Establishing relationship with the stakeholders Prioritization and release plan

Business Analyst at MetricStream, Aug 2012 - Jun 2016 · 3 yrs 11 mos, Drove requirement gathering and product analysis for enterprise clients including State Street Bank, Raymond James Financial, CBOE, and Colorado Springs Utilities — translating complex financial workflows into actionable user stories. Partnered with development and QA teams on feasibility and impact assessments, and led design documentation review and sign-off directly with clients. Operated within Agile delivery cycles, owning functional spec documentation and client sign-off across the full iteration lifecycle.

Education

Bachelor’s Degree, Information Technology, Rajiv Gandhi Prodyogiki Vishwavidyalaya

High School, Biology/Biological Sciences, General, DAV Shyamali