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Niraj Tondwalkar

Product Manager | NSDL Payments Bank l Ex-Unity SFB, Saraswat Bank | Chandigarh University | Digital & Retail Banking l Techno-Functional | Finacle | Functional Testing | KYC | CAIIB | DISA | Diploma in Retail Banking

Mumbai Metropolitan Region

13+ years of work experience

NSDL Payments Bank
May 20251 yr 6 mosPresent

Mumbai, Maharashtra, India

• Managing CASA product enabling BC partners to onboard customers via UIDAI e-KYC. • Gathering user requirements and preparing Business Requirement Documents (BRDs). • Designing application flows and prototypes using Figma & Draw.io. • Managing end-to-end testing to ensure product quality before release. • Preparing Product Notes, User Manuals, and FAQs for partners.
Unity Small Finance Bank
Jun 20241 yrMay 2025

Mumbai, Maharashtra, India

• Led Climate Finance Project, implementing Loan Origination System (LOS) for solar financing. • Prepared BRDs, test cases, and test scenarios for application validation. • Coordinated with developers to resolve requirement and application issues. • Developed user manuals, training material, and project documentation. • Prepared Disaster Recovery (DR) drill reports to ensure business continuity.
Saraswat Bank
Dec 20185 yrs 7 mosJun 2024

Navi Mumbai, Maharashtra, India

• Managed Tab Banking for digital account opening using UIDAI biometric authentication. • Launched Web-based Account Opening System for branch through desktops. • Successfully delivered Re-KYC Portal with OTP-based UIDAI verification. • Led tablet replacement initiative across 286 branches, including Knox (MDM) configuration. • Coordinated and obtained UIDAI Production License for Face Authentication. • Designed application flows after gathering inputs from Retail & Compliance teams. • Prepared test cases, conducted UAT, and resolved developer queries. • Created Product Notes, SOPs, User Manuals, and FAQs. • Extracted MIS using MSSQL. • Coordinated Information Security approvals and UIDAI IS Audit.
Feb 201810 mosNov 2018

Mumbai Area, India

Jan 20135 yrs 1 moJan 2018

Mumbai, Maharashtra, India

Niraj’s AI Stack

claude
claude
deepseek
deepseek

Education

CHANDIGARH UNIVERSITY

Master of Computer Applications

CHANDIGARH UNIVERSITY

20242 yrs2026
K.P.B Hinduja College of Commerce

Bachelor of Commerce (B.Com.), Accountancy

K.P.B Hinduja College of Commerce

20093 yrs2012

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Headline

Product Manager | NSDL Payments Bank l Ex-Unity SFB, Saraswat Bank | Chandigarh University | Digital & Retail Banking l Techno-Functional | Finacle | Functional Testing | KYC | CAIIB | DISA | Diploma in Retail Banking

About

Hello! I am Niraj Vijay Tondwalkar, a Product Manager with nearly 7 years of experience in the banking sector, specializing in digital banking and branch operations. My journey has been driven by a passion for leveraging technology to enhance service delivery and innovate banking solutions. Currently, I am focused on product management, where I lead the development of customer-centric banking products, ensuring they meet both user needs and regulatory standards. Throughout my career, I have successfully designed and implemented various digital banking solutions, including CASA products and Re-KYC portals, impacting over 280 bank branches. My expertise lies in product lifecycle management, stakeholder collaboration, and process optimization, which has allowed me to drive significant digital transformation initiatives. I hold a Master's in Computer Applications and several certifications in banking and finance, reinforcing my commitment to continuous learning and professional growth.

Location

Mumbai Metropolitan Region

AI stack

claude

deepseek

Work experience

Product Manager at NSDL Payments Bank, May 2025 - Present · 1 yr 6 mos, Mumbai, Maharashtra, India, • Managing CASA product enabling BC partners to onboard customers via UIDAI e-KYC. • Gathering user requirements and preparing Business Requirement Documents (BRDs). • Designing application flows and prototypes using Figma & Draw.io. • Managing end-to-end testing to ensure product quality before release. • Preparing Product Notes, User Manuals, and FAQs for partners.

Assistant Manager - Inclusive Banking at Unity Small Finance Bank, Jun 2024 - May 2025 · 1 yr, Mumbai, Maharashtra, India, • Led Climate Finance Project, implementing Loan Origination System (LOS) for solar financing. • Prepared BRDs, test cases, and test scenarios for application validation. • Coordinated with developers to resolve requirement and application issues. • Developed user manuals, training material, and project documentation. • Prepared Disaster Recovery (DR) drill reports to ensure business continuity.

Deputy Manager - Digital Banking Department & Branch Operations at Saraswat Bank, Dec 2018 - Jun 2024 · 5 yrs 7 mos, Navi Mumbai, Maharashtra, India, • Managed Tab Banking for digital account opening using UIDAI biometric authentication. • Launched Web-based Account Opening System for branch through desktops. • Successfully delivered Re-KYC Portal with OTP-based UIDAI verification. • Led tablet replacement initiative across 286 branches, including Knox (MDM) configuration. • Coordinated and obtained UIDAI Production License for Face Authentication. • Designed application flows after gathering inputs from Retail & Compliance teams. • Prepared test cases, conducted UAT, and resolved developer queries. • Created Product Notes, SOPs, User Manuals, and FAQs. • Extracted MIS using MSSQL. • Coordinated Information Security approvals and UIDAI IS Audit.

Export Documentation Executive at ORLOV GREENTECH PRIVATE LIMITED, Feb 2018 - Nov 2018 · 10 mos, Mumbai Area, India

Export Executive at Omkar Metals and Alloys Corporation, Jan 2013 - Jan 2018 · 5 yrs 1 mo, Mumbai, Maharashtra, India

Education

Master of Computer Applications, CHANDIGARH UNIVERSITY

Bachelor of Commerce (B.Com.), Accountancy, K.P.B Hinduja College of Commerce