---
title: "Karthik Pattabhi Raman - Associate Director - Products in Bengaluru, Karnataka | Tal"
description: "Meet Karthik Pattabhi Raman, Associate Director – Product @ Zeta | Cards, Lending & Rewards Platforms | HDFC PIXEL | Fintech Infrastructure & AI-Native Product Systems based in Bengaluru, Karnataka. AI stack includes anthropic apis, claude, and codex."
image: "https://tal.club/meet/karthik-pattabhi/share-image"
---

# Karthik Pattabhi Raman on Tal

## Headline

Associate Director – Product @ Zeta \| Cards, Lending & Rewards Platforms \| HDFC PIXEL \| Fintech Infrastructure & AI\-Native Product Systems

## About

I am a Product Leader with over 8 years of experience building scalable fintech and B2B SaaS platforms\. Currently, at Zeta, I lead PM teams in the PIXEL Studio, overseeing complex initiatives including the HDFC Pixel credit card program, Credit Line on UPI, and the Tachyon Rewards platform\. My expertise spans the entire product stack, from core infrastructure and fraud systems to consumer\-facing rewards and credit products\. I specialize in aligning cross\-functional stakeholders—spanning banking, operations, and compliance—to deliver high\-impact product ecosystems\. Driven by a commitment to operational excellence, I am passionate about utilizing AI\-driven tools to enhance product documentation and decision\-making rigor at scale\.

## Location

Bengaluru, Karnataka

## AI stack

anthropic apis

claude

codex

github copilot

openai

replit

## Work experience

Associate Director \- Products at Zeta, Jul 2025 \- Present · 1 yr 1 mo, Bengaluru, Karnataka, India

Senior Product Manager at Zeta, Jul 2022 \- Jun 2025 · 3 yrs, Bengaluru, Karnataka, India

Product manager 2 at Zeta, Oct 2021 \- Jun 2022 · 9 mos, Bengaluru, Karnataka, India

Product Manager at xto10x, Oct 2020 \- Oct 2021 · 1 yr 1 mo, Bengaluru, Karnataka, India

Senior Product Manager at Whatfix, Jan 2019 \- Sep 2020 · 1 yr 9 mos, Bengaluru, Karnataka, India

Product Manager at Whatfix, Oct 2017 \- Jan 2019 · 1 yr 4 mos, Bengaluru, Karnataka, India

Product Manager at PayU, Jun 2016 \- Oct 2017 · 1 yr 5 mos, Bengaluru, Karnataka, India, 1\. In charge of analytics\. 2\. Analysed and re\-designed the Buyer & Store Page to improve buyer experience and reduce checkout dropouts\. 3\. Working with the team for the upcoming Seller Website which aims to simplify product creation & sharing process\.

Product Management Intern at HolidayIQ\.com, Jan 2016 \- Jun 2016 · 6 mos, Bangalore, I take care of the HolidayIQ App, both Android and iOS\. My role requires me to constantly work with data to take decisions on what functionalities to be there in the app and prepare mocks / specs for the same\. Apart from this, I have to analyse our competitors and consumer to understand the market and improve user experience\. Tools Used: 1\) Google Analytics 2\) Clevertap 3\) Apsalar 4\) MySQL 5\) InVision / Canvasflip for Prototyping 6\) Balsamiq for Wireframing and some other tools for A/B testing\.

## Education

Master of Business Administration \(M\.B\.A\.\), Business Administration and Management, Finance/Marketing \(Dual\), Birla Institute of Technology and Science, Pilani

Bachelor of Engineering \(B\.E\.\), Computer Science, Anna University, Crescent Engineering College

[View the original profile](https://tal.club/meet/karthik-pattabhi)

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