Headline

Product Leader - Fraud & AI @ Kotak Bank | Building ML fraud decisioning + AI investigation platforms | Ex-CoinSwitch, IDFC First Bank

About

Over the last decade, I’ve built products across every layer of financial services - how people spend, invest, borrow, and bank. Now, I am building the systems that decide, in milliseconds, whether money should move. I lead the Fraud Risk & AI charter at Kotak Mahindra Bank, building ML-powered fraud decisioning, AI-assisted investigation platforms, behavioural intelligence, and external risk integrations that protect digital banking at scale. Previously, I built Lemonn (CoinSwitch’s Indian stocks platform), led customer experience for IDFC FIRST Bank’s mobile banking platform, and built investing products at Kotak Securities serving 1.5M+ customers. Interests: AI/ML Platforms • Decision Intelligence • Fraud Prevention • Risk Decisioning • Trust & Safety • Financial Infrastructure • Payments • Digital Lending • Digital Banking

Location

Bengaluru

AI stack

claude code

codex

cursor

grok

hermes agent

lovable

Work experience

Principal Product Manager at Kotak Mahindra Bank, May 2023 - Present · 3 y 3 mo, Mumbai, Currently leading multiple charters across Fraud Risk and Digital Public Infra (DPI): - Building a massive ML driven fraud decisioning layer which enables ingesting external data sources into internal databases, deploy proprietary and 3rd party data science models directly into live app and web journeys, orchestrate automated and instant actioning basis model inference - building deep integrations with telecom, RBI and home ministry to ingest and flag negative customers, freeze out money mules from the Kotak ecosystem - driving agentic AI initiatives to drive up fraud and risk operational efficiencies - deploying account aggregator at scale across the bank and various liabilities/asset business units - implementing cutting edge behavioural intelligence and telemetry solutions Have previously built: - a platform to deploy AI agents for sales and marketing at scale - WhatsApp and conversational banking initiatives - customer service digitisation pod for vehicle and commercial banking loans - built a DIY current account journey, which compressed account opening TAT from 10+ days to 1 day - architected a neo banking app focused on small and medium businesses - spanning liabilities, lending and transactions - built lean and efficient product teams

Coach - Product Management at ISB Executive Education, Jun 2022 - Nov 2022 · 6 mos, Giving back to the profession I have gained so much from, as a weekend coach to upcoming and aspiring product managers

Product Lead - Stock Broking at CoinSwitch Kuber, May 2022 - May 2023 · 1 yr 1 mo, Bengaluru, Karnataka, India, Building CoinSwitch. Heading the following charters: - Indian stocks (Lemonn by CoinSwitch) - web experience - SEO - no-code user communication platform

Mentor - Product Management at Pragmatic Leaders (YC W21), May 2020 - Dec 2021 · 1 yr 8 mos, Pragmatic Leaders is a startup backed by Y Combinator. I volunteer here as a mentor on weekends, to guide candidates who want to break into product management.

Asst. VP - Product Management at IDFC FIRST Bank, Feb 2020 - May 2022 · 2 yrs 4 mos, Our mission - building the world’s most customer centric digital banking experience My mandate - leading the customer experience and campaigns charters for our new mobile and internet banking platforms My work spanned: - customer experience - customer insights - customer education - customer support (in app) - customer engagement - customer journeys - digital campaigns (growth marketing)

Senior Product Manager at Kotak Neo, Feb 2018 - Feb 2020 · 2 y, Mumbai, ● Product lead for stock trading app and website – owned trading features and growth roadmap, driving 25% of company’s trading volume ● Drove 20X growth in daily organic leads – led SEO strategy, A/B testing and user acquisition ● Grew monthly organic traffic 130% in 6 months – through content strategy, technical SEO and conversion rate optimization ● Built lead management system integrated with cloud telephony – executed local SEO across 250 branches, achieving 40% lead-to-conversion rat

Product Manager - Customer Experience at VAssist - travel tech startup, May 2017 - Mar 2018 · 10 mo, Mumbai, This startup shut down. ● Built visa application portal and CRM from scratch – end to end flow from lead creation to visa fulfilment across 2,500 VFS-operated visa centres; drove 30% growth in transactions ● Designed notification engine to reduce inbound call volume per customer – adopted as a VAS product deployed across 2,500 VFS visa centers globally, generating recurring per-transaction revenue across markets

Product Manager - Ecommerce at VelvetCase & WearYourShine, Apr 2015 - May 2017 · 2 y 1 mo, Mumbai, Early stage, now shut down. ● Built automated inventory management platform from scratch – 100,000+ SKUs across 500+ partner sellers ● Drove 3x organic growth via SEO strategy – orders up 50% , with organic customers showing 2x higher average selling price vs paid ● Implemented recommendation algorithms – doubled conversion on category and search pages, 2x’d revenue from similar product widgets ● Launched BNPL at checkout in partnership with lending institutions – 100% uplift in conversion of latent leads, with measurable increase in high-value and bulk orders

Education

B.Tech, Computer Science, SRM IST Chennai

High School, Science, Smt. Sulochanadevi Singhania School

Public links

linkedin.com: https://www.linkedin.com/in/satyakibanerjee