---
title: "Naga Karthik S - Vice President Asset Management in Greater Bengaluru Area | Tal"
description: "Meet Naga Karthik S, Product Management | Scaling Agile Product Orgs in Banking, Payments, Risk & AWM | Central Bank Digital Currency CBDC - Researcher based in Greater Bengaluru Area. AI stack includes anthropic apis, claude, and deepseek."
image: "https://tal.club/meet/naga-karthik-1/share-image"
---

# Naga Karthik S on Tal

## Headline

Product Management \| Scaling Agile Product Orgs in Banking, Payments, Risk & AWM \| Central Bank Digital Currency CBDC \- Researcher

## About

I'm a product management professional across software engineering driving end\-to\-end product strategy and Agile delivery inside large\-scale, regulated financial services, Banking organizations\. Over my career I've built and scaled Agile squads from the ground up, owned multi\-million\-dollar delivery budgets, and led platform modernization initiatives with AI\-assisted software delivery that produced measurable business outcomes — not just delivered features\. A few examples: → Drove a digital savings feature \(Autosave / "Save a Dollar"\) to 560K\+ enrolled customers in 5 months, generating $261M in cumulative customer savings → Scaled Agile delivery capacity by standing up 8 squads \(64 members\) in 2 years, while leading the migration of project delivery from the USA to India → Currently leading a 12\-person team across 3 concurrent workstreams in Asset & Wealth Management — Client Onboarding, Credit Risk Analysis, and Securities Based Lending Migration → I work at the intersection of product strategy, Agile execution, and regulatory/risk partnership — translating business objectives into roadmaps, OKRs, and production outcomes in environments where compliance and controls are non\-negotiable\. → Outside my day\-to\-day role, I'm currently pursuing a Ph\.D\. in Business Administration and Management, researching Central Bank Digital Currency \(CBDC\) — a natural extension of my work in payments and digital financial infrastructure\. I'm always open to connecting with fellow product leaders, especially those working in banking, payments, and digital transformation\.

## Location

Greater Bengaluru Area

## AI stack

anthropic apis

claude

deepseek

gemini

openai

## Work experience

Vice President Asset Management at JPMorgan Chase, Apr 2024 \- Oct 2026 · 2 yrs 7 mos, Asset and wealth management, Securities Based Lending \(SBL\) • Client Onboarding • Credit Risk management • CCB → AWM Migration • Own product strategy, roadmap and delivery governance across three concurrent AWM workstreams, leading a 12\+ member cross\-functional organization and aligning execution to business outcomes\. • Directed SBL onboarding and Credit Risk Analysis roadmaps, prioritizing stakeholder needs, OKRs/KPIs, engineering dependencies and delivery across programs of approximately $540K and $360K\. • Orchestrated the CCB→AWM SBL migration with a 7\-member team and approximately $1\.26M budget, driving migration strategy, cutover readiness and post\-production adoption with zero major service disruptions\. • Embed enterprise controls and regulatory readiness through close partnership with Legal, Compliance, Security, Engineering and Architecture\.

Vice President — CCB Digital Technology / Connected Commerce \(Payments\) at JPMorganChase \| Feb 2017 – Mar 2024 \| Bengaluru, India, Feb 2017 \- Mar 2024 · 7 yrs 2 mos, Bengaluru, Owned roadmap and delivery for Connected Commerce digital platform capabilities across Cards, Home Loans, and Auto Loans, scaling Agile delivery capacity from the ground up\. \- Scaled delivery capacity by onboarding 8 squads \(64 members\) within 2 years, including migrating project delivery from the USA to India \- Owned roadmap structuring across Jira/Jira Align to drive engineering delivery and stakeholder alignment \- Championed adoption of AI\-assisted tools across delivery teams to accelerate resolution of technology and security issues Key initiative — Autosave \("Save a Dollar"\) Digital Savings Feature: \- Drove product execution and adoption across digital channels, reaching 560,000\+ enrolled customers within 5 months of launch \- Delivered $261M in cumulative customer savings, with $104\.10 average savings per transfer — \~4x the $25 projected baseline \- Expanded distribution via Chase\.com, contributing \~20% of May enrollments and driving the 2nd\-highest enrollment month on record Key initiative — Chase Loan on Line \(My Chase Loan\) — Phase 2: \- Served as VP Product Owner for a digital lending offer converting eligible cardholders' available credit into installment loans, leading an 8\-person team \(Project Budget: \~$1\.2M\) \- Improved loan approval rates by 16% through refined DDA payment risk rules and eligibility/loan\-details data redesign Key initiative — Payments Customer Communications Modernization: \- Led backlog and roadmap to migrate customer alerts from a legacy platform to an event\-driven, Kafka\-based model, leading an 8\-person team \(Project Budget: \~$1\.28M\) \- Delivered an integration utility exposing Notification and Subscription APIs, accelerating platform adoption

Assistant to Vice President at JPMorgan Chase, Nov 2013 \- Nov 2017 · 4 yrs 1 mo, FinRisk Warehouse \(FRW\) • Risk Data Acquisition & Control \(DAC\) • Data Quality Analysis Framework \(DQAF\) • Owned product strategy and portfolio delivery for FRW and DAC, managing combined budgets of approximately $13M and translating enterprise Risk & Finance reporting needs into prioritized data products and roadmaps\. • Spearheaded DQAF, a $5M\+ enterprise platform for capturing, routing, tracking and remediating data\-quality exceptions, strengthening transparency, controls and governance\. • Defined enterprise data standards, mapping specifications, lineage requirements and governance controls with Data Governance and Architecture teams\. • Established executive reporting, risk/issue management, dependency resolution and escalation cadence across a matrix organization\.

## Education

Ph\. D, Business Administration and Management, General, Shri Venkateshwara University \- India

MBA, IT Systems, Vinayaka Mission's Research Foundation \- University

[View the original profile](https://tal.club/meet/naga-karthik-1)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/naga-karthik-1#person",
      "name": "Naga Karthik S",
      "url": "https://tal.club/meet/naga-karthik-1",
      "image": "https://tal.club/meet/naga-karthik-1/profile-photo.jpg",
      "description": "Meet Naga Karthik S, Product Management | Scaling Agile Product Orgs in Banking, Payments, Risk & AWM | Central Bank Digital Currency CBDC - Researcher based in Greater Bengaluru Area. AI stack includes anthropic apis, claude, and deepseek.",
      "jobTitle": "Vice President Asset Management",
      "worksFor": {
        "@type": "Organization",
        "name": "JPMorgan Chase"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Vice President Asset Management"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Greater Bengaluru Area"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Shri Venkateshwara University - India"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Vinayaka Mission's Research Foundation - University"
        }
      ],
      "knowsAbout": [
        "anthropic apis",
        "claude",
        "deepseek",
        "gemini",
        "openai"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/naga-karthik-1#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/naga-karthik-1#webpage",
      "url": "https://tal.club/meet/naga-karthik-1",
      "name": "Naga Karthik S on Tal",
      "description": "Meet Naga Karthik S, Product Management | Scaling Agile Product Orgs in Banking, Payments, Risk & AWM | Central Bank Digital Currency CBDC - Researcher based in Greater Bengaluru Area. AI stack includes anthropic apis, claude, and deepseek.",
      "dateModified": "2026-11-11T09:34:16.428Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/naga-karthik-1#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/naga-karthik-1/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/naga-karthik-1/profile-photo.jpg",
        "caption": "Naga Karthik S profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```