Headline

People Focused Leader|Sr Manager Business Architecture@ Accenture | Consumer/Commercial Lending, Payments, Fuel Card | Product Roadmap & Program Management | 20+ years in BFSI platforms

About

With over 2 decades in Strategic Product Management, functional consulting and program management, I’ve led high-impact digital transformations in Auto/Equipment Financing, Inventory Finance, Payments, Credit Underwriting, Cloud Infra & Security. My leadership blends calm, collaborative problem-solving with bold, forward-looking innovation, ensuring every project delivers measurable business value. Key Wins & Impact: ● Delivered 5 global implementation projects end-to-end as Product SME, Project Manager, Business Analyst. ● As a Lending Product Expert, led the delivery of a completely new state of the art products, major product features across the globe, from business process re-engineering till adoption by business users. ● Led Cloud Infra, Tech Debt Remediation & Apps modernization Program Management for a leading Insurance Market Place client. ● Directed a Lease Accounting Back Office IT Maintenance and Support Program across 34 countries (team of 15). Managed budget of 2mn Eur per annum. ● Managed 2 Digital Front & Middle Office teams (up to 7 members). ● Led the Functional Support immediately after implementation of FIS Asset Finance Global lending product for an Australian Auto Finance from. Reduced from 140 P1 issues to stability (Led up to 12 members). ● Led SWIFT UK ISO20022 Compliance project Implementation. Managed budget of 0.6 mn USD, enabling continuity for outgoing payments worth 30 Billion GBP. As a GenAI enthusiast and product/program manager with expertise in building and scaling impactful products and in leading high impact programs in Applications and Infrastructure, I constantly explore how cutting-edge tools can reimagine banking, improve customer journeys, and streamline back-office efficiency. Let’s connect if you’re ready to turn complex Banking challenges into streamlined, high-impact solutions that last. 📩 Reach me at: ramasamy.subramanian841419@gmail.comking

Location

Greater Bengaluru Area

AI stack

claude

github copilot

Work experience

Business Architecture Senior Manager - Payments Products & Digital Transformation at Accenture, Dec 2023 - Jul 2026 · 2 yrs 8 mos, Bengaluru · Hybrid, Led Program Management for a major client to deliver Application Modernization, Cloud Infrastructure migration and Technical Debt Remediation for major business applications of a leading Insurance Market place client in UK. Led a team of 3 Senior Project Managers and handled 100+ stakeholders. Led an 8 members team and Successfully Delivered ISO Compliance Regulatory major changes project for 2 business critical products (Investcloud and Profit Distribution) and 2 interfacing products(IBM MQ & Broadridge FinMapp) in 7 months for a leading UK based client. Enabling 30 Bn GBP worth of payments without any disruption. Led the Run Support Transition of 40 applications (Including 20 COTS products) from a leading UK Insurance client to offshore leading a team of 15 members. Being part of Banking Industry division, Led the creation of inhouse assets covering integrations of all global Lending Products, played Delivery Management / Product, Lending, Payments SME roles for digital Transformation, Implementation & Application Maintenance & Support projects within Banking, provide industry support for new businesses opportunities.

Business Architecture Manager - Lending Products at Accenture, Sep 2021 - Dec 2023 · 2 yrs 4 mos, Bengaluru · Hybrid, Led the support and major changes of FIS Ambit Lending Product for a new Australian Autofinance startup right after GoLive with 140+ open P1 issues. Client went on to book 5 Bn AUD worth of business within 6 months. And led this area till stabilization within 3 months and later contributed for infra migration and handing over to the client's IT team. Being part of Specialty Finance CoE, responsible for creation of Accenture inhouse assets, played Delivery Management / Functional SME roles for Auto Finance and Mortgage product's digital transformation, Implementations projects.

Product Owner & Digital Transformation Delivery Lead at Societe Generale Global Solution Centre, Apr 2016 - Sep 2021 · 5 yrs 6 mos, Bengaluru, Karnataka, India, Successfully led Global Lease Accounting Maintenance with 20 members team. Implemented team agile and reduced attrition from 60% to 5% within a year. Project 2: As Project/Delivery Manager, Head of Auto Lease Accounting Back Office IT Team comprising of 30 members, responsible for delivery of Support, Change Requests, Tech Upgrades and Implementations for Infor SUN Accounting ERP and its peripheral applications for 35 countries across globe. Project1: Feature Team Manager/Product Owner for Digital Front Office applications on Equipment Inventory Finance, Sales CRM. Handled Delivery Team of 7 members.

Product Owner (Wuppertal, Germany) at GEFA BANK, Apr 2014 - Mar 2016 · 2 yrs, Wuppertal, Product Owner for critical homegrown digital front office applications on Inventory Financing, CRM and internal communication tools. Led critical modules implementation in Banking calendar and online Reporting. Implemented team agile, achieved greater time to market, 90% Delivered vs committed each sprint, 0% attrition.  Product Owner: o Headed the feature delivery for the digital Online Internet tool and and 2 digital Intranet tools on Equipment Finance/Leasing. o Created Product Backlogs, refined and ordered the same along with Business Owner. o Define Product Roadmap, Vision along with Business Owner and conducted periodical review. o Interacted with the IT team to get the periodical changes developed and deployed in PROD and for fixing PROD issues. o Communication to end users on general outage & release communications. o Participate in releases and outage activities and ensured systems are working well after the activity. o Brainstorming sessions with the DEV team to find best solutions for major improvements and new modules. Deputy Product Owner for Employee Communication tool. Participated in the Project Development phase as Business Analyst. Led End to End Project Management for migrating 3200 SAP BO Reports from version 3.1 to 4.1. Led a team of 4 technical experts. As a Product Owner delivered major banking features 1. Banking Calendar enabling bailment extension from the calender itself, 2. 20 Online dealer reports accessible by 1200 dealers, developed using blue line webservice. And ensured busines users training and adoption.

Senior Business Analyst - Product Development & Implementation at Societe Generale Global Solution Centre, May 2008 - Mar 2014 · 5 yrs 11 mos, India Germany France Belgium, As a Lead BA/Product Owner, Had driven in the end-to-end product development Fuel Card Management, a 100% Homegrown Product implemented in 14 countries across Europe, and led the implementation of Core Lending Solution for BeNeLux. • Worked as Senior Product Consultant for implementing critical business applications such as Cassiopae Leasing/Lending ERP for SG Equipment Finance Belgium, Netherlands and Luxomberg. Implemented Fuel Card management product For ALD Automotive in 14 countries across Europe. • Collaborated with other cross-functional IT teams, business users, Management Stakeholders and led the product implementations and demos. • Gathering and translating business needs into functional and non-functional requirements. • Business Process Re-Engineering : To understand the Fuel Card legacy Product in Uniface Technology, and written from scratch the Functional Documentation for a product which has 30+ screens. Built the Fuel Card product in new technology DotNet from the scratch. The product changed the way business worked, enabling them in easy onboarding, handling bulk creation of fuel card stock, auto sync with core back office product for invoicing and master data updates. • Worked with Credit Management & HP/Loans Team to understand the Credit Approval product and Lending back office ERP product and had led the Functional Test Automation project using SELENIUM , automating 150 test cases..

Business Analyst - Auto Lending Products at Sundaram infotech, Jun 2006 - May 2008 · 2 yrs, Greater Chennai Area, As a Lending Product Expert, was instrumental in the implementation of Sundaram Smart Lend Product in Eicher Motor Finance - Led right from requirements elicitation till Data migration and implementation. As a Lending Product SME, led the implementation of Auto Lending product for a Eicher Motor Finance. I was responsible for demonstrating our Sundaram Smart Lend Product to the Client, capturing new requirements and Gaps, conducting brainstorming sessions with our technical experts in offshore to come up with the feasible solutions. Leading a team of 2 junior BAs I was responsible to ensure timely release of all the Gaps, Validation of Data Migration, led IT Integration Tests with testers, functional validation by Junior BAs and led the UAT with Client users onsite in Delhi. Successfully Deployed our product with all important features in place, driven end to end from requirements elicitation to implementation and then business users adoption. Ensured Eicher Motor Finance moved from their legacy lending system to State of the Art Lending product 'Sundaram Smart Lend'

Education

Bachelor of Corporate Sec. Ship, PSG College of arts and science

Master of Business Administration (MBA), Finance and HR, Madurai kamaraj University