Headline

Digital Banking Product Leader | Mortgage & Lending Transformation | AI-Enabled Product Strategy | Core Banking Modernization | 19+ Years in Financial Services

About

I am a product and transformation leader with 19+ years of experience delivering large-scale digital transformation across retail banking and lending. My experience spans product strategy, mortgage digitization, customer journey transformation, workflow automation, and cross-functional leadership. I have led initiatives that bring together Product, Engineering, Operations, Risk, Compliance, and Business teams to simplify complex banking processes and improve customer experience. Most recently, I have been responsible for driving end-to-end mortgage transformation, including digital onboarding and servicing journeys, helping achieve full digital adoption for retail mortgage applications. I am passionate about solving complex business problems through product thinking, intelligent automation, and AI-enabled experiences. I actively use generative AI to accelerate product discovery, requirements, stakeholder communication, and decision-making, and I am focused on applying AI to transform lending and banking journeys responsibly. I enjoy working at the intersection of business strategy, customer experience, and technology, where success depends on influencing across organizations, aligning stakeholders, and delivering measurable business outcomes. I am always interested in connecting with leaders who are passionate about digital banking, lending innovation, AI, and enterprise product transformation.

Location

Bengaluru

AI stack

claude

github copilot

ChatGPT

Microsoft Copilot

Work experience

Product Owner at Standard Chartered Bank, Jul 2023 - Present · 3 yrs 4 mos, Bengaluru, Karnataka, India, Product owner - Digital customer onboarding - Digitization of paper based journeys for mortgage loans with a focus on increasing STP and reducing TAT. - Automation of operational processes with workflows and integration - Enabling customers to apply for products via a self service process

Product Owner at ORACLE FINANCIAL SERVICES SOFTWARE LIMITED, Mar 2022 - Jul 2023 · 1 yr 5 mos, Bengaluru, Karnataka, India, Oracle banking liquidity management Corporate liquidity management - structure setup, sweeping and pooling of funds and interest reallocation. Redesign of interest reallocation for performance improvements and visibility on daily interest allocation based on accrued interest.

Senior Product Manager at i-exceed technology solutions private limited, Aug 2020 - Mar 2022 · 1 yr 8 mos, Bangalore Urban, Karnataka, India, Product owner for digital onboarding focused on business banking customers. Gather requirements from existing implementations and prospective banks. Lead the complete cycle from product discovery till development. Interact with sales and pre sales team to understand region specific regulations and requirements. Design product extensibility to allow for customer specific enhancements across workflow, UX and backend microservices.

Managing Principal Consultant at Oracle, Jan 2018 - Aug 2020 · 2 yrs 8 mos, Bengaluru, Karnataka, India, • Steering operations as Offshore Project Manager for development of product customization. • Defining scope and timelines for releases with client and coordinating software delivery from offshore teams • Acting as Solution Architect for product customization for a large multi country implementation • Providing cost estimates for development of product customization and detailed project work plan • Assisting client with release planning, go-live scheduling and process improvement • Performing defect tracking and providing resolution & technical assistance • Participating in daily meetings with all project stakeholders/vendors and highlighting any project risks • Grooming new team members and building product expertise within the team

Senior Principal Consultant at Oracle, Jul 2015 - Jan 2018 · 2 yrs 7 mos, Berlin, Germany, • Steered complete consulting services as: o Offshore Project Manager for development of product customization with up to 10 members o Onsite Project Lead for implementation of product customization with 4 members • Defined scope and timelines for releases with client and coordinated software delivery from offshore teams • Provided cost estimates for development of product customization and detailed project work plan • Assisted client with release planning, go-live scheduling and initiated process improvements • Defect tracking and resolution, provide technical assistance. • Conducted weekly resource forecasting, status reporting, tracking invoices and contracts with the client • Participated in daily meetings with all project stakeholders/vendors and addressed/highlight any project risks

Principal Consultant at Oracle, Jul 2013 - Jun 2015 · 2 yrs, Edinburgh, Scotland, United Kingdom, • Headed consulting services for Implementation of Flexcube at client location including: • Analyzing the customer requirements and preparing functional and design specification documents for product customization • Led functional design review meetings with the client and act as offshore SPOC • Executed software development projects with complex functional changes • Defined project scope, goals, deliverable and preparation of work plan • Monitored the overall quality of delivered software

Technical Consultant at Wolters Kluwer Financial Services, May 2012 - Jul 2013 · 1 yr 3 mos, Mumbai, New Delhi, Singapore, Consulting for a regulatory reporting product RegPro. Experience with Singapore MAS reporting, and India RBI reporting. Experience in development and implementation of ETL interfaces.

Education

Bachelor of Engineering, Computer Science, Visvesvaraya Technological University