---
title: "Romil Saxena - Principal Product Manager in Bengaluru | Tal"
description: "Meet Romil Saxena, Product Manager at FICO - Building Decision Management platforms for business ,focused on Financial Sercives and Fintech based in Bengaluru. AI stack includes claude code, claude, and deepmind."
image: "https://tal.club/meet/romil-saxena/share-image"
---

# Romil Saxena on Tal

## Headline

Product Manager at FICO \- Building Decision Management platforms for business ,focused on Financial Sercives and Fintech

## About

With over 13\+ years of rich experience in Product Management across Business Analytics, Data Science, Decision Science, and Decision Engine roles, I have a keen eye for detail and can play a key role in analyzing problems and devising creative solutions and operational methodologies\. I have worked across multiple geographies, including the US, MENA, UK, Europe, LAM, and APAC, primarily in Financial Services\. I possess 10\+ years of domain experience in financial services and technologies, including Risk, Fraud, Financial Loss, and Credit in Payments, Loans, Overdraft, Financial Fitness, and Credit Data\. Key Skills: Decision Sciences, Decision Engines, Business Analytics, Data Science, Machine Learning, Exploratory Data Analysis, Model Selection, Scorecard Development, Product Management, Stakeholder Management, Business Rules, Risk Analysis, Rules Development, User Acceptance Testing, Expertise in Driving Product Strategy, Leadership, Team Management, Team\-oriented, Results\-driven, Presentation, and Communication Skills\. Tools Expertise: Excel, Advanced Python, SQL, Tableau, HIVE, Impala, Jupyter Labs, Power BI, FICO Blaze Advisor, FICO Decision Modeler Platform, SOAP, RMA, SAS Intelligent Decisions, SAS Decision Manager, HP QLM, JIRA, Confluence, Splunk, RMP, Ready API, Oracle BPEL/SOA, Java\.

## Location

Bengaluru

## AI stack

claude code

claude

deepmind

grok

notebooklm

notion

## Work experience

Principal Product Manager at FICO, Apr 2025 \- Present · 1 yr 5 mos, Bengaluru, As a Senior Product Manager at FICO, I owned product strategy, roadmap, and execution for Decision Modeler, a core Decision Management System used by 9 of the top 10 U\.S\. banks and 8 of the top EMEA banks, supporting millions of credit decisions each month\. During my first 8 months, I focused on strengthening the Decision Authoring and Testing modules to improve usability, scalability, and enterprise readiness\. I defined a 12–18 month product vision and multi\-release roadmap by aligning market trends, regulatory needs, and customer priorities, influencing $2–5M\+ in annual product investment decisions\. I conducted 20\+ Voice of Customer engagements across clients, Professional Services, and Pre\-Sales teams, ensuring roadmap decisions were grounded in real customer workflows and deployment challenges\. Nearly 40–50% of committed roadmap items were directly informed by these insights\. Using feature prioritization frameworks, I evaluated and prioritized 60\+ feature requests, improving focus and increasing on\-time delivery from \~75% to \~90%\. I partnered closely with Engineering, UX, QA, InfoSec, and Documentation teams to deliver 6–8 high\-impact features across three releases, improving model authoring efficiency by \~15–20% and reducing testing cycle time by \~10–15%\. All releases met enterprise security and compliance standards with zero Sev\-1 InfoSec issues at launch\. I drove product discovery through usability testing, telemetry analysis, and feedback loops, resulting in 12–18% higher early adoption of new features and a 20–25% reduction in defect leakage\. I regularly presented roadmap progress and outcomes in executive reviews, managed cross\-team dependencies, mitigated 3–5 major delivery risks, supported GTM enablement for 5\+ client rollouts, and mentored junior PMs to establish consistent product best practices\.

Product Manager III \- Technology Consulting \(Data and Analytics\) at EY, Aug 2022 \- Apr 2025 · 2 yrs 9 mos, Bengaluru, • Worked as Product Manager at EY for a financial services client responsible for building intelligent and effortless touch\-free expense management\. • Responsible for creating solutions to reduce the expense report creation time of Card Members from \~20 minutes to \~2 minutes and reducing auditors’ effort by \~40%\. • Developed a product strategy and formulated decision engine logic to minimize wrongly reimbursed reports by 5\-10%, thereby increasing revenue by \~$1M\. • Conducted market research and analysis to identify market opportunities, trends, and customer pain points\. • Automated the expense report validation using OCR and itemization techniques, saving the effort of fetching 8\.5M line items\. • Formulated design and ideated algorithms for different decision engine modules like Personal Spend, Policy Non\-Compliance, Pattern Recognition, and Questionable Spend, which helped in Auto\-Expensing and Auto\-Approval/Rejection of expense reports, saving \~$2M in leakage\. • Conducted research during the MVP phase and performed competition analysis for defining Product Vision, Product Planning, Roadmap creation, and Strategy\. • Collaborated with cross\-functional teams including engineering, design, and client teams to gather and prioritize product requirements, ensuring alignment with strategic objectives and customer needs\. • Led the end\-to\-end product development lifecycle from ideation to launch, ensuring timely delivery and quality execution\. • Solicited and incorporated customer feedback from the client such as user testing, surveys, and customer interviews\.\. • Regularly communicated product updates, milestones, and strategic initiatives to stakeholders via Rally, including executives, team members, and external partners\. • Responsible for Performance Monitoring and Optimization, monitoring key product metrics and performance indicators, analyzing data insights\. • Developed comprehensive go\-to\-market strategies and launch plans\.

Product Manager\-Data and Decision Sciences at HSBC, Nov 2019 \- Aug 2022 · 2 yrs 10 mos, Greater Bengaluru Area, • Product Manager working for "Credit Card management systems" , "Collection systems", "Loan Origination systems" and “Loan Management systems" • Strong ability of understanding Banking as a service for Account Management Services like Authorization, Delinquency, Credit Limit Increase/Decrease\(CLI/CLD\), Collections and Write off\. • Very strong with articulating and defining product specifications, user journeys, multiple use cases, and edge cases\. • JIRA and Kanban Board Management \- Creating EPIC, User Stories, Bug and Defects\. • Creating Business Specification Document and Rules Specification Document\(RRD/TRD\)\. • Experience in working with large data sets using SQL and Python\. Classification of customers into segments based on segmentation strategies\. • Data Analysis, Cleaning and Mining and Manipulation of banking data for different strategies using Python\. • Visualizing the historic trends of the customer/account to identify the upcoming trend and segmentation using Python and Tableau\. • Strategic & analytic orientation for data driven decision making and problem solving\. Exceptional conceptual thinking skills complemented by rigor and strong quantitative orientation\. • Creating decision engine / system pipeline for helping the recovery and collections team to take vital decisions for CLI/CLD saving \~$1\.5M leakage of recoverable disputes • Creating scorecards and models for Fraud and Credit Decisioning teams which helps in the evaluation of credit expansion opportunities\. • Acted as Product Manager of the Project and have hands on experience in JIRA and Confluence\. Achievements : • Created Python based automation tool for testing and comparison of accounts based results for Account Management portfolio\. • Successfully achieved a 75% reduction of man hours for analysis of account information • Achieved a 14% increase in revenue through the application\. • Reduced chances of Human error by 90% by automating the comparison process\.

Product Owner \(Risk Decisioning\) \- Payments Domain at Western Union, Jul 2018 \- Nov 2019 · 1 yr 5 mos, Bengaluru Area, India, • Portfolio owner of multiple regions in Fraud Analytics for real time fraud transactions decisioning models\. • Create products for risk mitigation & digital fraud to improve revenue and eliminate fraud without compromising user experience • Working to create robust rule\-driven platform to mitigate/eliminate the money laundering/fraud or other illegal financial transactions\. • Focusing on eliminating frauds by analyzing historical trends\. Building statistical models for fraud capture across countries & products\. • Identifying low or high\-risk segments / corridors for better control and decisions\. • Savings of \~$1M from better fraud control\. • Another \~$1\.2M per year revenue lift by identifying low risk segments\. • Development of Strategy Tree and implementation\. • Collaboration with multiple teams for operational projects and process enhancements\. • Scorecard creation and implementation for risk scores\. • Working on new vendor integration and implementation \(End to End\)\. • Implement new rule flows and rules to support new services, products, and consumer risk segments\. • Managing Development, QA and UAT team to be in coordination with the Product, Payment and Rules Team\. • Manage new and existing vendors by Identification\(Market research, support, RFP, RFQ\), Evaluation\(detailed feature list, POCs, Demos, customizations, upgradation\) & Implementation\(Creation of EPIC, User Stories, Product Backlog, help development and testing team in vendor integration & unit testing, conduct UAT testing for business users and manage stakeholders\)\. • Strategy Creation of implementation of new rules for specific Product/Country Launch\. • Backlog grooming and refinement, story prioritization, JIRA board management\. • Expertise in Agile and Scrum\. • Excellent domain knowledge \- Payments/Financial Services Key Achievements • Awarded for SMART model implementation\. Tools: Python , Jupyter Notebook , FICO Blaze Advisor , Tableau , SOAP UI Database: Hive, Impala, SQL

Business Analyst \(Systems Engineer\) \- Banking LOS Decision Engine at Tata Consultancy Services, May 2017 \- Jun 2018 · 1 yr 2 mos, Mumbai, Maharashtra, India, • Creating BRD from the Policy Document provided by the Managers for LOS\(Loan Origination System\) for different LOAN departments\. • Individually handled Requirement elicitation and Gathering, documenting \(Creating Decision Harvesting Booklet\-DHW\), analysing and providing to Rules developement and Testing team\. • Excellent Banking domain knowledge, experience in understanding and creating strategies for Eligibility Calculation, Deviations, Decisions, FOIR\(Fixed Obligations to Income Ratio\),LTV\(Loan to Value\) and others banking concepts\. • Responsible for integrating Blaze System in the LOS system to fire Deviations , finding loan eligibility, writing required functions, criteria and creating Score out of the score cards built\. • Efficiently managed stakeholders from different departments\(Agriculture Loans , Credit Cards , Personal Loans\)\. • Understanding Business Requirements, Technical Specifications\(BRD/TRD\) from a rules perspective\. • Extensive understanding of Creation of Templates, Providers, Ruleset, Rules , Ruleflow, Scorecards , Decision Tables, Decision Trees , Complex Logics , Functions , Object Model , Expressions , etc in the Blaze 7\.2 and RMA system\. • Handling Unit Testing , User Acceptance Testing , SOAPUI Testing , for each functionality\. Key Skills : • Blaze Advisor \(Blaze Rules Management System\) • Development of rules needed in the application\. • Creation of templates, providers, rule set, rule flow, decision table, decision tree, score card , function groups , templates\. • Understanding Business Requirements, Decision Harvesting Document for a rules perspective\. • SOAP and XML testing\. • Data Analysis skills, including, data mining, business object model \(BOM\) and execution model \(XML\) schema definition\. • Deployment on different environments and testing the same\. Industry and Functional Experience : Credit Cards , Personal Loan , Agriculture Loans , Education Loans , Credit Line Increase

Application Development Analyst at Accenture, Oct 2014 \- May 2017 · 2 y 7 mo, Pune

## Education

Master of Business Administration \- MBA, Business Analytics, SVKM's Narsee Monjee Institute of Management Studies \(NMIMS\)

Bachelor of Technology \- B\.Tech, Computer Science and Engineering, Amity University Lucknow Campus

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

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