Headline

Product Leader | Business Banking, Accounts & International Payments | Experience building & Scaling Core Banking Platforms | Ex-Tide l Ex-Mastercard, Ex-Recko (Acquired by Stripe) | IIM A, IIT BBSR

About

Experienced Product Manager with a demonstrated history of working in the acquiring, payments processing and reconciliation. Currently building an internal BaaS platform for a global SME neobank. The BaaS platform includes - Account as a Service - Payments as a Service - Transaction Ledger - Foundational Banking UX - Back office/Member support product use cases

Location

Hyderabad

AI stack

claude

gemini

lovable

Work experience

Director of Product Management at Moniepoint Group, Sep 2025 - Present · 1 yr 2 mos, • Lead Monieworld's cross-border payments proposition for the UK–Nigeria corridor, owning product strategy, roadmap, and execution. • Scaled the UK business from launch to approximately £6 million in monthly processed volume within 12 months. • Introduced multiple remittance funding methods, including card payments, Open Banking, and bank transfers, improving customer choice and payment accessibility. • Established and led strategic partnerships with key providers across the UK and Nigeria, including ClearBank, Checkout.com, TrueLayer, and Monnify. • Launched customer-focused features including scheduled remittances, exchange-rate alerts, and bill and utility payments.

Lead Product Manager at Tide, Jul 2022 - May 2025 · 2 yrs 11 mos, Remote, Led product strategy and execution for accounts and international payments value streams at Tide, driving growth & usage with a team of 15+ including product managers, engineers, designers, and operations managers. The team is responsible for an ARR of ~£75M and a monthly user engagement rate of ~52% Key Achievements: - Led the development of business current accounts and purpose driven business accounts (Tax, Expense, Multi-currency etc) enabling SMEs to effectively segregate and manage funds, accumulating deposits of ~£2B+. Also scaled this to 3+ markets - Delivered comprehensive account engagement products including statements, advanced search capabilities, and seamless transaction access, resulting in ~52% monthly active users - Successfully launched Euro and USD payment capabilities for UK small businesses through multi-currency accounts with local and SWIFT payment rails - Led the development of Tide's transaction ledger from 0 to 1, establishing a foundational component of our global core banking platform now in production across 3 markets - Pioneered connected account experiences enabling SMEs to link external accounts and initiate payments through open banking AIS & PIS mechanisms

Senior Product Manager at Tide, May 2021 - Jun 2022 · 1 yr 2 mos, Hyderabad, Telangana, India

Product Manager at Recko Inc., Mar 2020 - May 2021 · 1 yr 3 mos, Greater Bengaluru Area, Acquired by Stripe, Recko is a finance Operations Platform for fast growing Internet Companies. Built a consumer-grade SaaS platform enabling internet businesses to automate transaction-level money movement tracking. Worked directly with the cofounder, leading a team of 12+ engineers and designers in building the product from 0 to 1, culminating in Stripe's acquisition of Recko in June 2021. Key achievements: - Developed a sophisticated reconciliation platform and transaction ledger from scratch using domain-driven principles, successfully launching to 15+ clients across India, SEA, US, and Europe ($1M ARR) - Designed an innovative lifecycle view for payment transactions to track status across receivable, payable, income, and expense accounts, ensuring order-level granularity for transaction discrepancy monitoring - Conceptualized and implemented product requirements for automated commission calculations for vendors, delivery executives, and resellers

Associate Managing Consultant at Mastercard Data & Services, Mar 2019 - Feb 2020 · 1 yr, Gurugram, Haryana, India, Delivered 10+ high-value consulting and strategy engagements valued at $15M across Singapore, Indonesia, Australia, UAE, Qatar, Saudi Arabia, and South Africa, focusing on cards, merchant payments, acquiring, and payment processing solutions. Key achievements: - Developed market penetration strategy for one of Europe's largest pan-European acquirers entering the German market (POS & Ecom) - Enhanced reconciliation processes for a leading Middle Eastern bank across consumer credit, debit, prepaid, and multicurrency portfolios - Designed transaction processing and settlement improvements for a major South African bank, generating ~$4.5M in cost savings - Conducted comprehensive analysis of Open Banking developments across 30+ countries and developed an OB effectiveness index model for Mastercard's strategic initiatives - Recognized as Ambassador representing the regional team after consistently being a top performer; nominated three times to present best projects to a global audience of 200+ consultants

Senior Consultant at Mastercard Data & Services, Sep 2017 - Feb 2019 · 1 yr 6 mos, Gurugram, Haryana, India

Payment Consultant at Mastercard, 2016 - 2020 · 4 yrs, Gurgaon, India, Delievered 10+ consulting & strategy engagements valued at $15M in Singapore, Indonesia, Australia, UAE, Qatar, Saudi Arabia & South Africa across cards, merchant payments, acquiring & payment processing • Developed a POS and e-commerce acquiring strategy for a leading pan-European acquirer entering the German market. • Enhanced reconciliation processes for a major Middle Eastern bank across consumer credit, debit, prepaid, and multicurrency portfolios. • Redesigned transaction processing and settlement processes for a leading South African bank, delivering approximately $4.5 million in cost savings. • Assessed Open Banking developments across 30+ countries and developed an effectiveness index for Mastercard; selected as a regional ambassador and nominated three times to represent the region before 200+ global consultants.

Education

Master of Business Administration, Indian Institute of Management Ahmedabad

Bachelor’s Degree, Electrical Engineering, Indian Institute of Technology, Bhubaneswar