---
title: "Karthik Vishal - Technical Lead, Principal Data Business Partner in Bengaluru | Tal"
description: "Meet Karthik Vishal, Data & AI Product Leadership | Turning Ambiguous Business Problems into Delivered Roadmaps | Ex-HSBC AVP, Ex-Wells Fargo, Ex-PWC | BFSI, Energy & Consulting based in Bengaluru. AI stack includes claude code, codex, and gemini."
image: "https://tal.club/meet/karthik-vishal-l/share-image"
---

# Karthik Vishal on Tal

## 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

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

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/karthik-vishal-l#person",
      "name": "Karthik Vishal",
      "url": "https://tal.club/meet/karthik-vishal-l",
      "image": "https://tal.club/meet/karthik-vishal-l/profile-photo.jpg",
      "description": "Meet Karthik Vishal, Data & AI Product Leadership | Turning Ambiguous Business Problems into Delivered Roadmaps | Ex-HSBC AVP, Ex-Wells Fargo, Ex-PWC | BFSI, Energy & Consulting based in Bengaluru. AI stack includes claude code, codex, and gemini.",
      "jobTitle": "Technical Lead, Principal Data Business Partner",
      "worksFor": {
        "@type": "Organization",
        "name": "OSBIndia Private Limited"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Technical Lead, Principal Data Business Partner"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Bengaluru"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "CMR Institute Of Technology"
        },
        {
          "@type": "EducationalOrganization",
          "name": "St. Joseph's Pre-University college, bangalore"
        }
      ],
      "knowsAbout": [
        "claude code",
        "codex",
        "gemini",
        "notebooklm"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/karthik-vishal-l#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/karthik-vishal-l#webpage",
      "url": "https://tal.club/meet/karthik-vishal-l",
      "name": "Karthik Vishal on Tal",
      "description": "Meet Karthik Vishal, Data & AI Product Leadership | Turning Ambiguous Business Problems into Delivered Roadmaps | Ex-HSBC AVP, Ex-Wells Fargo, Ex-PWC | BFSI, Energy & Consulting based in Bengaluru. AI stack includes claude code, codex, and gemini.",
      "dateModified": "2026-09-20T06:37:27.916Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/karthik-vishal-l#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/karthik-vishal-l/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/karthik-vishal-l/profile-photo.jpg",
        "caption": "Karthik Vishal profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```