---
title: "Siddharth Mishra - Lead Product Manager in Bengaluru | Tal"
description: "Meet Siddharth Mishra, Lead Product Manager, Zeta | ex PayPal, Barclays | FinTech, Card Issuance SaaS, Collections & Global Payments Platforms based in Bengaluru. AI stack includes claude code, claude, and opencode."
image: "https://tal.club/meet/siddharth-mishra-2/share-image"
---

# Siddharth Mishra on Tal

## 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

claude code

claude

opencode

## 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

[View the original profile](https://tal.club/meet/siddharth-mishra-2)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/siddharth-mishra-2#person",
      "name": "Siddharth Mishra",
      "url": "https://tal.club/meet/siddharth-mishra-2",
      "image": "https://tal.club/meet/siddharth-mishra-2/profile-photo.jpg",
      "description": "Meet Siddharth Mishra, Lead Product Manager, Zeta | ex PayPal, Barclays | FinTech, Card Issuance SaaS, Collections & Global Payments Platforms based in Bengaluru. AI stack includes claude code, claude, and opencode.",
      "jobTitle": "Lead Product Manager",
      "worksFor": {
        "@type": "Organization",
        "name": "Zeta"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Lead Product Manager"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Bengaluru"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "SPJIMR SP Jain Institute of Management & Research"
        },
        {
          "@type": "EducationalOrganization",
          "name": "National Institute of Technology Raipur"
        }
      ],
      "knowsAbout": [
        "claude code",
        "claude",
        "opencode"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/siddharth-mishra-2#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/siddharth-mishra-2#webpage",
      "url": "https://tal.club/meet/siddharth-mishra-2",
      "name": "Siddharth Mishra on Tal",
      "description": "Meet Siddharth Mishra, Lead Product Manager, Zeta | ex PayPal, Barclays | FinTech, Card Issuance SaaS, Collections & Global Payments Platforms based in Bengaluru. AI stack includes claude code, claude, and opencode.",
      "dateModified": "2026-08-02T00:49:32.243Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/siddharth-mishra-2#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/siddharth-mishra-2/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/siddharth-mishra-2/profile-photo.jpg",
        "caption": "Siddharth Mishra profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```