---
title: "Pragya Mishra - AI Product Owner in Bengaluru | Tal"
description: "Meet Pragya Mishra, Product Leader | Product and AI strategy | Built product 0-​>1 @ Commonwealth Bank | Fintech | Lending | Collections based in Bengaluru. AI stack includes anthropic apis, claude code, and claude."
image: "https://tal.club/meet/pragya-mishra-1/share-image"
---

# Pragya Mishra on Tal

## Headline

Product Leader \| Product and AI strategy \| Built product 0\-​>1 @ Commonwealth Bank \| Fintech \| Lending \| Collections

## About

I build products that sit at the intersection of complex financial systems and modern technology and I've spent over a decade doing it across core banking, lending, collections, and enterprise cloud\. My most recent work at Commonwealth Bank: I conceived and launched an agentic AI product that autonomously assesses legacy application portfolios, recommends migration pathways, and guides engineering execution\. Before this product existed, this process was manual, slow, and inconsistent\. We changed that\. Before CBA, I spent years at FICO implementing collections and recovery systems across APAC, EMEA, and North America\. And before that, at Intellect Design Arena, building core banking APIs and LOS/LMS products for 26 financial institutions globally\. What I bring that's unusual: I understand the domain deeply enough to challenge the engineering trade\-offs, and I understand the technology well enough to build products engineers respect\. If you're building something serious in fintech, lending, AI\-powered automation, or cloud\-native platforms, let's talk\!

## Location

Bengaluru

## AI stack

anthropic apis

claude code

claude

codex

github copilot

kiro

## Work experience

AI Product Owner at Commonwealth Bank, Oct 2021 \- Present · 5 yrs 1 mo, Bengaluru, Karnataka, India

Industry Consulting Manager at NTT DATA Services, Jul 2020 \- Sep 2021 · 1 yr 3 mos, Bengaluru, Karnataka, India, • Led enterprise Salesforce CPQ \(Quote\-to\-Cash\) implementation for a global client \(Honeywell\), supporting complex pricing, discounting, approvals, and contract structures across regions\. • Partnered with Sales, Finance, and Operations stakeholders to define CPQ requirements and align workflows with downstream order management, billing, and finance systems, ensuring compliance and audit readiness\. • Contributed to enterprise product catalogue design, including configurable products, pricing rules, bundles, and approval logic for large\-scale B2B sales\. • Enabled standardized Quote\-to\-Order workflows, reducing manual handoffs and improving enterprise deal cycle time\. · Managed offshore consulting teams on financial product consulting and market research across banking, lending, and capital markets, advocating for stakeholder requirements in executive\-level planning\. · Led IFRS9, Basel III, and AML/KYC compliance initiatives to strengthen controllership and regulatory adherence, and developed industry analyst reports for Everest Group’s Capital Markets & Life Insurance PEAK Matrix\.

Product Integration consultant at FICO®, Aug 2018 \- Jul 2020 · 2 yrs, Greater Bengaluru Area, • Managed Debt Manager \(collections & recovery software\) implementations for banks & NBFCs across APAC, EMEA & North America\. • Implemented AI\-driven collections strategies, reducing default rates and improving recovery efficiency\. • Developed SQL\-driven data automation and customer communication workflows\.

Product Consultant at Indus Software Technologies Pvt\. Ltd\., Mar 2017 \- Jul 2018 · 1 yr 5 mos, Chennai, · Led GST compliance for banking clients, ensuring tax\-policy integration and financial reconciliation accuracy across loan management systems\. · Defined product roadmaps and requirements for the Dealer Funding product, a working\-capital and inventory\-financing product for SMB dealers, monitoring regulatory change and facilitating stakeholder workshops\.

Product Consultant at Intellect Design Arena Ltd, Jul 2014 \- Feb 2017 · 2 yrs 8 mos, Tamil Nadu, India, · Built core banking APIs for real\-time payments and financial transaction reconciliation deployed across 26 global financial institutions\. · Implemented loan origination and management systems \(LOS/LMS\) for small\-business lending in a domestic market, and built wireframes and prototypes for core banking products alongside engineering and research teams\. • Conducted market research, competitor analysis, and prepared wireframes & product prototypes for core banking product\.

## Education

Bachelor of Technology \(B\.Tech\.\), Electronics and Communications Engineering, National Institute of Technology Patna

Professional Certificate Course in Generative AI and Machine Learning, Generative AI and Machine Learning, ICT Academy, IIT Kanpur

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

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