---
title: "Mariamma S. - Senior Product Owner in Bengaluru | Tal"
description: "Meet Mariamma S., Senior Product Owner | Financial Services, API Strategy | Cross-functional | Digital Transformation | AI | Cybersecurity | Launched scalable mortgage risk platform, improving audit and reducing manual processes by 90% based in Bengaluru. AI stack includes claude, notebooklm, and o..."
image: "https://tal.club/meet/mariamma-s/share-image"
---

# Mariamma S\. on Tal

## Headline

Senior Product Owner \| Financial Services, API Strategy \| Cross\-functional \| Digital Transformation \| AI \| Cybersecurity \| Launched scalable mortgage risk platform, improving audit and reducing manual processes by 90%

## About

As a seasoned Product Manager and Certified Business Analysis Professional \(CBAP\) with extensive experience in various industries such as Financial Services, Banking, and Information Technology & Services, I bring a wealth of expertise to drive successful projects\. My focus lies in managing, planning, designing, developing, and implementing projects in customer core banking and Mobile Pay domains\. Senior Product Manager \(Product Owner\) with 20 years leading Product Management for regulated banking platforms across Core Banking, Mortgage Lending, and Consent Management\. Currently own end\-to\-end delivery of a greenfield Low Deposit Premium platform at Commonwealth Bank of Australia — migrated 70,000\+ insurance records to a cloud\-native data store and cut Lead Time to Change by approximately 55%\. Previously led Core Banking and MobilePay product strategy at Danske Bank, driving API modernization that reduced manual processing effort by approximately 90% across the retail portfolio\. Skilled in translating business objectives into detailed user stories, PRDs, and roadmaps — partnering closely with Risk, Compliance, Architecture, and Marketing stakeholders to align product direction with regulatory and go\-to\-market needs\. AWS Certified Solutions Architect and CBAP\-certified, with hands\-on experience in AI\-assisted product workflows, cloud modernization, and Agile/Scrum delivery across India, Australia, and European markets\. Open to Senior Product Manager / Product Owner opportunities where regulated\-industry rigor, platform ownership, and measurable outcomes matter\.

## Location

Bengaluru

## AI stack

claude

notebooklm

openai

Canva Magic Studio

ChatGPT

Cline

## Work experience

Senior Product Owner at Commonwealth Bank, Jan 2024 \- Present · 2 yrs 8 mos, Bengaluru, Karnataka, India

Senior Product Owner at Commonwealth Bank, Jan 2024 \- Present · 2 yrs 8 mos, Key Impact: Established a scalable mortgage risk platform aligned for future enterprise reuse\. Improved auditability and traceability of premium and risk decisions\. Reduced dependency on manual handling through platform\-level automation and self\-service\. • Own end\-to\-end product strategy, roadmap, and delivery for a greenfield Low Deposit Premium \(LDP\) platform supporting CBA’s retail mortgage and home buying journeys\. • Lead the design and implementation of the complete LDP lifecycle including premium creation, storage, updates, cancellation, retrieval, and audit\-ready reporting\. • Delivered a secure self\-service LDP platform enabling internal users to manage and analyze premium covers with strong governance, access control, and traceability\. • Defined foundational data models, APIs, and service contracts enabling LDP consumption across mortgage origination, lending, and downstream risk systems\. • Embedded risk, compliance, and audit requirements directly into platform workflows to meet regulatory and internal governance standards\. • Drive the evolution of LDP as a reusable platform capability, enabling adoption across additional lending journeys and future group\-wide use cases\. • Act as the primary product authority, influencing prioritization across business, risk, compliance, architecture, and engineering leadership forums\. • Operate in a highly governed environment with strong focus on auditability, decision traceability, and risk mitigation\. • Leverage AI\-assisted tools to accelerate discovery, backlog refinement, documentation quality, and stakeholder communication while maintaining governance rigor\.

Product Manager at Infosys, Sep 2023 \- Jan 2024 · 5 mos, Bengaluru, Karnataka, India

Product Owner at Danske IT and Support Services India Pvt Ltd, Jun 2022 \- Aug 2023 · 1 yr 3 mos, Bengaluru, Karnataka, India

Chief Business Analyst/Product owner at Danske IT and Support Services India Pvt Ltd, Apr 2020 \- Jun 2022 · 2 yrs 3 mos, India

Product Owner at DANSKE IT INDIA PVT LTD, Dec 2013 \- Dec 2023 · 10 yrs 1 mo, Context: Danske IT & Support Services India operations were transitioned to Infosys in 2023; continued in the same role serving Danske Bank as the primary client with no change in responsibilities\. Key Platforms and Initiatives: Core Customer Banking and Consent Management Platforms MobilePay \(Wallet\) – Proxy Product Owner Regulatory Data Quality and Reporting Platforms API Enablement for Digital Onboarding and Due Diligence Self\-Service and Cloud Enablement Initiatives • Owned product roadmaps for Core Banking Customer and Corporate domains supporting onboarding, payments, consent management, and regulatory compliance\. • Served as Proxy Product Owner and Chief Business Analyst for customer core systems integrated with lending, payments, and risk platforms\. • Led large\-scale modernization initiatives exposing core banking capabilities via APIs, microservices, and event\-driven architectures, reducing manual operations by approximately 90%\.

Senior Business Analyst/Product owner at Danske IT and Support Services India Pvt Ltd, Dec 2013 \- Apr 2020 · 6 yrs 5 mos

Technical Lead at IGATE, Apr 2011 \- Dec 2013 · 2 yrs 9 mos

system analyst at IGATE, Feb 2010 \- Apr 2011 · 1 yr 3 mos

## Education

Master of Technology, Laser and Optical Engineering, College of Engineering, Guindy Anna university

kendriya vidyalaya

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

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