Headline

Lead Product Manager, Zeta | ex PayPal, Barclays | FinTech, Card Issuance SaaS, Collections & Global Payments Platforms

About

I build financial products that move money, reduce risk, and scale. Over 9 years across PayPal, Barclays, and Zeta, I've owned some of the more complex corners of fintech — a $1.5B+ collections portfolio, Agentic AI-driven recovery workflows, card issuance infrastructure for banks, and credit risk systems that cut decisioning time by 75%. My work sits at the intersection of payments, lending, and core banking SaaS — products that are heavily regulated, technically deep, and operationally high-stakes. I'm at my best when the problem is ambiguous, the stakeholders are many, and the margin for error is low. I'm currently exploring my next role — ideally a Senior Product Manager, Lead Product Manager, Group Product Manager or Principal Product Manager position at a fintech or MNC where payments, lending, or platform infrastructure is core to the business. If you're hiring or know someone who is, I'd love to connect. Core Domain Expertise: Global Payments, Cash Movement & Ledger Mechanics, Core Banking, Credit Card Issuance Suites & Multi-Tenant SaaS, Risk Infrastructure, Automated Collections & Compliance Systems, API Architecture, Lifecycle Management & System Migrations

Location

Bengaluru

AI stack

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Work experience

Lead Product Manager at Zeta, Sep 2025 - Present · 1 yr, Bengaluru, Karnataka, India, · Spearheaded the Tachyon SaaS platform charter, delivering high-scale card issuance and multi-tenant processing services to enterprise banks and financial issuers · Designed distinct enablement and activation channels for digital wallets (Apple/Google Pay) to eliminate onboarding friction and accelerate Day-1 transaction velocity · Directed a 20-module customer discovery program, leading a cross-functional squad of 15 Product Managers to map complex enterprise platform requirements · Managed regulatory data mapping and reporting frameworks for Metro 2 credit bureau compliance across the core credit card issuance stack

Senior Product Manager at PayPal, May 2025 - Sep 2025 · 5 mos, Bengaluru, Karnataka, India, · Led Pay Later and Digital Collections portfolio with an annual recovery target of over $1.5 billion · Architected an Agentic AI-driven customer outreach framework within the Collections flow, to optimize Negative Balance recovery stream and reduce Operations costs by 25% · Drove personalized customer engagement by enabling Emails, Push Notifications & Critical Alerts on Mobile App and Web for nudging customer repayments with a recovery target of $3 million

Product Manager 3 at PayPal, Feb 2023 - May 2025 · 2 yrs 4 mos, Bangalore Urban, Karnataka, India, · Launched Collections Repayments on Operations tool driving a monthly recovery of over $4.5 million · Enabled Third Party Collections for Pay Later products, targeting an annual recovery of $5 million · Launched a tool for managing bankruptcies of PayPal consumers and merchants to adhere to Compliance mandates and improve Operational efficiency by 20%

Product Manager 2 at PayPal, Jul 2021 - Jan 2023 · 1 yr 7 mos, Bangalore Urban, Karnataka, India, · Owned Negative Balance Collections portfolio with an annual recovery target of over $1 billion · Executed product roadmap for migrating Collections services to a strategic platform, ensuring real-time response, standardized portfolio behavior and reducing maintenance costs by 80% · Managed product roadmap for building new capabilities on Operations tools, enabling Collections Agents to reduce Average Handling Time (AHT) of a call by 20% thereby increasing agent efficiency · Collaborated with Governance, Legal, Business and Technology stakeholders across North America, Europe, Australia, and India throughout product lifecycle, from requirements gathering till launch

Product Manager at Barclays, Apr 2019 - Jun 2021 · 2 yrs 3 mos, Pune Area, India, · Managed and delivered a lending product enabling customers to consolidate all non-Barclays loans into a single loan from Barclays, aiming to widen our customer base by more than 10k over 5 years · Ideated and launched a product to digitally transform the Mortgage Rate Switch process, achieving an 80% reduction in application processing time and realizing significant workforce savings · Owned the product roadmap for migrating 20+ legacy services to strategic In-house API solutions, prioritizing based on customer impact and volumes, thus saving annual middleware costs of ~£200K · Managed the migration of legacy Credit Risk platforms to In-house solutions reducing response time of Credit Decision process by 75% and eliminating costs in calling Third party platforms · Led architecture discussions for Mortgage application journey and recommended strategic solution for calling 6 Credit Risk bureaus, leading to a 50% reduction in application processing time

Product Management Intern at Amazon, Aug 2018 - Oct 2018 · 3 mos, Bengaluru Area, India, · Launched an app for sellers to improve seller experience by removing manual intervention in generating order IDs while dispatching orders, leading to 30% reduction in order processing time · Executed User Acceptance Testing (UAT) of seller mobile app covering 40 possible scenarios in user journey as a pre-launch measure; Performed A/B testing for evaluating product success

Software Developer at Dassault Systèmes, Jun 2015 - May 2017 · 2 yrs, Pune/Pimpri-Chinchwad Area, · Delivered 10+ product enhancements and 50+ bug fixes for aviation clients · Delivered a feature to track product modifications for monitoring and synchronization of changes · Enhanced Automated Test coverage by 30%, aiding in the detection of bugs in existing software · Automated Code Release Management process, saving developers’ time by half-day in a week

Education

Master of Business Administration - MBA, Information Management, SPJIMR SP Jain Institute of Management & Research

Bachelor of Technology - BTech, Information Technology, National Institute of Technology Raipur