---
title: "Niraj Tondwalkar - Product Manager in Mumbai Metropolitan Region | Tal"
description: "Meet 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 based in Mumbai Metropolitan Region. AI stack includes cla..."
image: "https://tal.club/meet/niraj-tondwalkar/share-image"
---

# Niraj Tondwalkar on Tal

## 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

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

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