---
title: "Pradeep Kumar M S - Senior Product Owner - Home Loans Platform Modernisation in India | Tal"
description: "Meet Pradeep Kumar M S, Senior AI Product Owner | Transforming Home Loans Through API Modernisation, Workflow Automation & Real-Time Data Platforms | Driving Scalable, Cloud-Ready Banking Solutions based in India. AI stack includes anthropic apis."
image: "https://tal.club/meet/pradeep-kumar-28/share-image"
---

# Pradeep Kumar M S on Tal

## Headline

Senior AI Product Owner \| Transforming Home Loans Through API Modernisation, Workflow Automation & Real\-Time Data Platforms \| Driving Scalable, Cloud\-Ready Banking Solutions

## About

I am a Senior Product Owner and Banking Transformation Leader with more than two decades of experience delivering large\-scale digital transformation initiatives across Home Loans, Retail Banking, Institutional Banking, and Core Banking platforms\. Throughout my career, I have been passionate about simplifying complex business processes, modernising legacy platforms, and building scalable product capabilities that create meaningful outcomes for customers, operations teams, and technology organisations\. I thrive at the intersection of business strategy, technology innovation, and operational excellence, translating complex challenges into customer\-centric and data\-informed solutions\. Currently at Commonwealth Bank of Australia, I lead strategic Home Loans modernisation initiatives focused on API\-enabled services, workflow automation, event\-driven architectures, and cloud\-ready platform transformation\. My work spans product discovery, roadmap development, stakeholder alignment, and delivery leadership across business, operations, architecture, engineering, and production teams\. My experience spans enterprise Home Loans, Construction Lending, Core Banking, Release Management, Change Management, and large\-scale banking transformation programs\. I am particularly interested in how automation, data intelligence, modern platform architectures, and emerging AI capabilities can reshape financial services and improve customer and operational experiences\. As financial institutions continue their digital evolution, I believe Product Leaders play a critical role in driving data\-informed execution, enabling intelligent workflow optimisation, and delivering products that are future\-ready, scalable, and aligned to evolving customer needs\.

## Location

India

## AI stack

anthropic apis

## Work experience

Senior Product Owner \- Home Loans Platform Modernisation at Commonwealth Bank, Nov 2023 \- Present · 3 yrs, Bangalore, Leading Home Loans platform modernisation and digital transformation initiatives at Commonwealth Bank of Australia, delivering API\-enabled services, workflow automation, real\-time data capabilities, and operational efficiency improvements across enterprise lending platforms\. Spearheading the modernisation of enterprise Home Loans platforms, defining product strategy and roadmaps that transition legacy mainframe capabilities to scalable, API\-enabled and cloud\-ready banking services\. Driving data\-driven platform transformation through implementation of real\-time event streaming and Change Data Capture capabilities, enabling faster, more reliable information flow across banking ecosystems\. Accelerating operational efficiency by modernising integration patterns, replacing legacy dependencies with reusable APIs that improve system interoperability, scalability, and maintainability\. Leading cross\-functional product delivery across business, operations, architecture, engineering, testing, and production teams to deliver customer\-centric banking capabilities aligned to strategic outcomes\. Optimising platform performance and resilience through batch processing improvements that reduced processing windows by two hours, increasing system availability for operational users\. Establishing delivery governance and vendor management guardrails that improved delivery predictability, reduced risk, and accelerated time\-to\-market for strategic initiatives\. Embedding agile delivery frameworks and data\-informed prioritisation practices to improve roadmap execution, stakeholder alignment, and delivery outcomes\.

Senior Product Owner \- Construction Hub & Progress Payments Platform at Commonwealth Bank, Nov 2023 \- Present · 3 yrs, Bangalore, Led the digital transformation of construction lending operations by replacing a legacy Pega\-based solution with a modern in\-house platform supporting construction setup, document management, and progress payment processing\. Automated end\-to\-end construction workflows, streamlining lender and operations experiences through intuitive digital journeys that reduced manual effort and processing complexity\. Enabled workflow automation and straight\-through processing by integrating construction payment, valuation, and operational activities using API\-driven services and automated decision flows\. Designed customer and operations\-focused experiences using product discovery techniques, stakeholder engagement, and data\-backed prioritisation to simplify complex lending processes\. Modernised platform architecture by transitioning legacy stored\-procedure\-based integrations to reusable API services, improving scalability, maintainability, and future platform extensibility\. Delivered iterative product releases using agile methodologies, enabling rapid feedback incorporation, faster value realisation, and reduced implementation risk\. Partnered with lenders, operations teams, architects, engineers, and delivery squads to align product outcomes with business strategy, regulatory obligations, and operational excellence objectives\.

Release lead– Institutional Banking at ANZ, Feb 2018 \- Oct 2023 · 5 yrs 9 mos, Managed prioritisation, triage, and release delivery pipelines across multiple institutional banking squads\. Partnered with business and operations stakeholders to align product priorities with customer and business outcomes\. Built and maintained delivery backlogs, release plans, and capability roadmaps supporting strategic banking initiatives\. Leveraged delivery metrics, risk analysis, and capacity planning to improve release predictability and execution quality\. Collaborated with vendor partners to optimise delivery capability, resource planning, and execution efficiency\.

Delivery Manager – Retail Core Banking \(Hogan Mainframes\) at ANZ, Feb 2014 \- Nov 2018 · 4 yrs 10 mos, Directed enterprise\-scale retail banking delivery across Deposits, Customer Information Systems, Loans, and integration domains\. Led cross\-functional teams spanning business, development, quality assurance, infrastructure, operations, and external vendors\. Established delivery governance frameworks, release management processes, RAID management, and production readiness controls\. Managed financial planning, forecasting, vendor capacity, and delivery performance across critical banking applications\. Supported transformation from traditional waterfall delivery into agile and DevOps\-aligned operating models\. Developed executive dashboards and reporting frameworks to improve visibility of programme health, delivery risk, and strategic priorities\.

Change Manager at ANZ, Feb 2012 \- Feb 2014 · 2 yrs 1 mo, Established and governed global change management frameworks supporting enterprise technology delivery\. Implemented structured governance, risk management, and operational controls that improved delivery consistency across regions\.

Systems Engineer at ANZ, Feb 2006 \- Jun 2012 · 6 y 4 mo, Bangalore, System engineer on hogan core banking solutions

Mainframe DeveloperSPI at SPI \- Software Paradigms International, Aug 2004 \- Aug 2006 · 2 yrs 1 mo, Mysore, Developed and tested enterprise mainframe applications supporting client business operations\. Contributed to application delivery, quality assurance, and production support activities across multiple projects\.

## Education

B E, Electronics & Communication, vidya vikas institute of engineering and technology

Master of Business Administration, E\-Commerce/Electronic Commerce, Annamalai university

[View the original profile](https://tal.club/meet/pradeep-kumar-28)

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