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Karthik Vishal

Data & AI Product Leadership | Turning Ambiguous Business Problems into Delivered Roadmaps | Ex-HSBC AVP, Ex-Wells Fargo, Ex-PWC | BFSI, Energy & Consulting

Bengaluru

6+ years of work experience

OSBIndia Private Limited
Jun 20264 mosPresent

Bangalore Urban, Karnataka, India

‣ Running structured discovery (JTBD) and PRD documentation to convert competing global (UK) and regional (India) stakeholder mandates into one phased, risk-managed automation roadmap ‣ Partnering with Finance leadership to scope and prioritize automation across core Finance processes, including Accounts Payable and journal entries  ‣ Architecting the movement of data across a fragmented, multi-system Finance landscape into a unified cloud data platform ‣ Driving the roadmap toward a consolidated, cloud-based target architecture — the strategic backbone of the transformation
Freelance
Feb 20251 yr 5 mosJun 2026

Bengaluru, Karnataka, India

A deliberate period of consulting and deep technical upskilling across the modern data and AI stack. ‣ Advised an early-stage startup on end-to-end reporting infrastructure — scoping requirements, selecting BI tools, and delivering dashboards to support strategic decisions ‣ Built hands-on depth across Azure, GCP, and AWS — working pipelines, Medallion architectures, and ML models; deepened expertise in dbt, Delta Lake, Spark,and modern data-stack patterns ‣ Applied structured study in GenAI, Prompt Engineering, and ML fundamentals — evaluated against real delivery problems, not just coursework
HSBC
Mar 202411 mosJan 2025

Bengaluru, Karnataka, India

Led enterprise-grade analytics delivery within Global Technical Training (GOTT), heading the Bank-Wide Operations Transformation (BWOT) Skills Analytics team. ‣ Owned stakeholder engagement and roadmap prioritization for GOTT, aligning ~50 stakeholders across APAC, EMEA, and Europe on delivery sequencing under competing regional priorities ‣ Drove workforce-planning initiatives covering 10,000+ employees, translating an ambiguous talent-strategy mandate into a delivered data architecture ‣ Led a team of 5 analysts, establishing KPI ownership and coaching structures ‣ Engineered a Data Governance Framework consolidating ~10 sources into a single source of truth — improving data quality and compliance
Wells Fargo
Nov 20212 yrs 5 mosMar 2024

Bangalore Urban, Karnataka, India

Led the Business Intelligence Enablement team within Wealth and Investment Management (WIM). ‣ Directed a cross-functional team of 5, translating ambiguous WIM-portfolio requirements into delivered analytical frameworks and executive reporting ‣ Delivered 12 dashboards and 3 executive reports consumed by 100+ stakeholders; built a BCP Risk Analytics dashboard that materially reduced business-continuity risk ‣ Designed a BI capability-uplift programme for 50+ analysts, establishing delivery standards that outlasted the programme
PwC
Mar 20201 yr 9 mosNov 2021

Bengaluru, Karnataka, India

Delivered data-driven consulting solutions for top-tier global clients across GDPR compliance, revenue recognition, and business intelligence domains. ‣ Served as trusted delivery advisor to Vimeo, Uber, and PayPal — translating client business requirements into tailored analytical and compliance solutions ‣ Led end-to-end implementation of a revenue-recognition framework for Vimeo, rapidly acquiring accounting-domain fluency; delivered reference models later adopted by software vendors ‣ Directed delivery of ~50 GDPR compliance dashboards, mentoring a 5-person team

Karthik’s AI Stack

claude code
claude code
codex
codex
gemini
gemini
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notebooklm

Education

CMR Institute Of Technology

B.E, Telecommunications Engineering

CMR Institute Of Technology

20084 yrs2012

Hiher secondary certificate (PUC), Maths, Chemistry, Physics and Biology

St. Joseph's Pre-University college, bangalore

20062 yrs2008

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Headline

Data & AI Product Leadership | Turning Ambiguous Business Problems into Delivered Roadmaps | Ex-HSBC AVP, Ex-Wells Fargo, Ex-PWC | BFSI, Energy & Consulting

About

I turn ambiguous, often conflicting business problems into roadmaps that actually ship. 14+ years across Data Analytics, BI, and Strategic Consulting — building and leading analytics functions at HSBC and Wells Fargo, advising sovereign governments (Japan, UAE), and delivering high-stakes data solutions for Vimeo, Uber, and PayPal. The throughline isn't the tooling. It's problem definition, requirements discovery, stakeholder alignment, and prioritization — the core disciplines of product management, practiced inside data and analytics leadership roles rather than under a formal PM title. What I'm known for: • Product discovery and roadmap ownership — running structured discovery (JTBD), writing PRDs, and applying prioritization frameworks to convert competing stakeholder mandates into one phased delivery plan • AI-forward delivery — hands-on across Azure, Microsoft Fabric, Databricks, GCP, and AWS, with applied GenAI and prompt engineering; my bar for using AI in a feature is the same as any other build decision — does this actually need a model, or does a simpler answer do it • Building the infrastructure underneath the roadmap — data governance, BI modernisation, ETL/ELT pipelines, single-source-of-truth frameworks • Leading through influence — aligning stakeholders across regions and functions who each hold a legitimate but different mandate, without formal authority over most of them • Rapid domain mastery — banking, energy, defence consulting, revenue-recognition accounting; I ramp fast and deliver faster Notable outcomes: • Architecting the Finance-domain automation roadmap for a GCC transformation at OSB India — JTBD discovery, prioritization frameworks, and PRD documentation converting competing UK/India mandates into one phased plan, consolidating a complex, multi-system landscape into a unified target architecture • Workforce-planning analytics covering 10,000+ employees at HSBC (GOTT/BWOT) • Data Governance Framework unifying ~10 operational sources into one source of truth • BCP Risk Analytics dashboard at Wells Fargo — material risk mitigation and cost avoidance • Customer attrition model at Just Energy — reshaped pricing tiers across North American markets • Revenue-recognition framework for Vimeo — adopted as a vendor reference model • Advisory work for the Japanese and UAE governments on technology and economic strategy Currently at OSB India, leading Finance-domain data architecture and automation inside

Location

Bengaluru

AI stack

claude code

codex

gemini

notebooklm

Work experience

Technical Lead, Principal Data Business Partner at OSBIndia Private Limited, Jun 2026 - Present · 4 mos, Bangalore Urban, Karnataka, India, ‣ Running structured discovery (JTBD) and PRD documentation to convert competing global (UK) and regional (India) stakeholder mandates into one phased, risk-managed automation roadmap ‣ Partnering with Finance leadership to scope and prioritize automation across core Finance processes, including Accounts Payable and journal entries ‣ Architecting the movement of data across a fragmented, multi-system Finance landscape into a unified cloud data platform ‣ Driving the roadmap toward a consolidated, cloud-based target architecture — the strategic backbone of the transformation

Independent Analytics Consultant at Freelance, Feb 2025 - Jun 2026 · 1 yr 5 mos, Bengaluru, Karnataka, India, A deliberate period of consulting and deep technical upskilling across the modern data and AI stack. ‣ Advised an early-stage startup on end-to-end reporting infrastructure — scoping requirements, selecting BI tools, and delivering dashboards to support strategic decisions ‣ Built hands-on depth across Azure, GCP, and AWS — working pipelines, Medallion architectures, and ML models; deepened expertise in dbt, Delta Lake, Spark,and modern data-stack patterns ‣ Applied structured study in GenAI, Prompt Engineering, and ML fundamentals — evaluated against real delivery problems, not just coursework

AVP - Data Analytics at HSBC, Mar 2024 - Jan 2025 · 11 mos, Bengaluru, Karnataka, India, Led enterprise-grade analytics delivery within Global Technical Training (GOTT), heading the Bank-Wide Operations Transformation (BWOT) Skills Analytics team. ‣ Owned stakeholder engagement and roadmap prioritization for GOTT, aligning ~50 stakeholders across APAC, EMEA, and Europe on delivery sequencing under competing regional priorities ‣ Drove workforce-planning initiatives covering 10,000+ employees, translating an ambiguous talent-strategy mandate into a delivered data architecture ‣ Led a team of 5 analysts, establishing KPI ownership and coaching structures ‣ Engineered a Data Governance Framework consolidating ~10 sources into a single source of truth — improving data quality and compliance

Lead Analytics Consultant (AVP) at Wells Fargo, Nov 2021 - Mar 2024 · 2 yrs 5 mos, Bangalore Urban, Karnataka, India, Led the Business Intelligence Enablement team within Wealth and Investment Management (WIM). ‣ Directed a cross-functional team of 5, translating ambiguous WIM-portfolio requirements into delivered analytical frameworks and executive reporting ‣ Delivered 12 dashboards and 3 executive reports consumed by 100+ stakeholders; built a BCP Risk Analytics dashboard that materially reduced business-continuity risk ‣ Designed a BI capability-uplift programme for 50+ analysts, establishing delivery standards that outlasted the programme

Senior Associate - 2 at PwC, Mar 2020 - Nov 2021 · 1 yr 9 mos, Bengaluru, Karnataka, India, Delivered data-driven consulting solutions for top-tier global clients across GDPR compliance, revenue recognition, and business intelligence domains. ‣ Served as trusted delivery advisor to Vimeo, Uber, and PayPal — translating client business requirements into tailored analytical and compliance solutions ‣ Led end-to-end implementation of a revenue-recognition framework for Vimeo, rapidly acquiring accounting-domain fluency; delivered reference models later adopted by software vendors ‣ Directed delivery of ~50 GDPR compliance dashboards, mentoring a 5-person team

Education

B.E, Telecommunications Engineering, CMR Institute Of Technology

Hiher secondary certificate (PUC), Maths, Chemistry, Physics and Biology, St. Joseph's Pre-University college, bangalore