Subrahmanya Hegde profile photo 1 on Tal

Subrahmanya Hegde

Product & Program Delivery Leader | Banking & Digital Payments | AI-Augmented Delivery | Bridging Business Strategy & Technology Execution

Bengaluru

18+ years of work experience

Wells Fargo
Feb 20251 yr 8 mosPresent

Bengaluru, Karnataka, India

Own product strategy for Wells Fargo's Debit Cards and Wallet portfolio, advising business and technology leadership and translating strategic objectives into delivery roadmaps executed across five scrum teams and third-party vendor partners, on a Java, React and Native tech stack, from business case through production launch. Lead two full-stack agile teams (up to 15 engineers) and act as subject-matter authority and delivery advisor across three additional scrum teams. Launched Digital Access to Card Details, unlocking double-digit incremental annual transaction volume, with 45% of activated users transacting within days of launch. Redesigned the card replacement journey, improving end-to-end completion by 7 percentage points while cutting contact-centre volume. Selected for a three-month advisory assignment at Wells Fargo Charlotte, USA, engaging branch stakeholders and senior leadership directly; formally assessed by US leadership as ready for the next level. Champion AI-augmented delivery across the team, spanning PRDs, customer journey analysis, and executive reporting.
Wells Fargo
Mar 20223 yrsFeb 2025

Bengaluru, Karnataka, India

Took ownership of the full debit card feature backlog on the mobile app — first product role after transitioning from project delivery. Led the mobile product workstream for Paze, a bank-led digital wallet — 13M cards enrolled in the US market. Redesigned the card replacement journey — completion rate improved from 28% to 35%, reducing contact centre volume. Worked across engineering, line of business, design, legal, risk, data, and voice of customer every sprint — translating customer pain into prioritised backlog decisions.
Wells Fargo
Jan 20166 yrs 3 mosMar 2022

Bengaluru, Karnataka, India

Managed the Debit Cards digital transformation programme — budgets up to $3M, seven agile teams, monthly releases. Standardised the operating model for a team of project managers — improved cost control, resource deployment, and delivery consistency. Promoted twice within Wells Fargo during this period — entry level to mid-level in 2019, then to Senior Project Manager. Delivered 10+ technology projects end to end — budgets $500K to $4M, Waterfall and hybrid methods, 100% audit compliance.
Hewlett Packard Enterprise
Nov 20141 yr 3 mosJan 2016

Bangalore

Managed Cisco network infrastructure change delivery for global clients — six to seven changes per month across teams of eight to ten.
Hewlett Packard Enterprise
Sep 20086 yrs 3 mosNov 2014

Bangalore

Started at the service desk supporting global clients in end-user computing. Grew into Active Directory and Voice Networking support, then into a Team Lead role. Built foundational skills in ITIL, service management, and customer satisfaction — entirely through on-the-job learning.

Subrahmanya’s AI Stack

Microsoft Copilot
Microsoft Copilot

Education

Bhandarkars'​ Arts & Science College

Bachelor's degree, Computer Science

Bhandarkars'​ Arts & Science College

20053 yrs2008

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Headline

Product & Program Delivery Leader | Banking & Digital Payments | AI-Augmented Delivery | Bridging Business Strategy & Technology Execution

About

17+ years in technology delivery, the last 10+ in banking. One throughline: turn ambiguous business problems into shipped, adopted products. Solving customer problems, building revenue opportunities and leading digital product + program delivery for Wells Fargo's debit card and wallet business, 33M+ mobile banking customers in the US. I use AI across the full product lifecycle, PRDs, backlog, go-to-market, executive storytelling. A force multiplier, not a shortcut. Comfortable wherever business meets engineering: Agile delivery, stakeholder governance, risk and compliance, data-led decisions. Outside work: Toastmaster and Master of Ceremonies for events up to 2,000 attendees. Recently in my career I completed a Short Term Assignment at Wells Fargo in the US — visiting branches, meeting real customers, and working alongside leadership. It sharpened how I think about products and the people who use them. Outside of work I am a Toastmaster, a stand-up comedian, and the inhouse MC of choice for large corporate events. I believe communication is a product skill, not a soft skill.

Location

Bengaluru

AI stack

Microsoft Copilot

Work experience

Lead Digital Product Manager (VP) at Wells Fargo, Feb 2025 - Present · 1 yr 8 mos, Bengaluru, Karnataka, India, Own product strategy for Wells Fargo's Debit Cards and Wallet portfolio, advising business and technology leadership and translating strategic objectives into delivery roadmaps executed across five scrum teams and third-party vendor partners, on a Java, React and Native tech stack, from business case through production launch. Lead two full-stack agile teams (up to 15 engineers) and act as subject-matter authority and delivery advisor across three additional scrum teams. Launched Digital Access to Card Details, unlocking double-digit incremental annual transaction volume, with 45% of activated users transacting within days of launch. Redesigned the card replacement journey, improving end-to-end completion by 7 percentage points while cutting contact-centre volume. Selected for a three-month advisory assignment at Wells Fargo Charlotte, USA, engaging branch stakeholders and senior leadership directly; formally assessed by US leadership as ready for the next level. Champion AI-augmented delivery across the team, spanning PRDs, customer journey analysis, and executive reporting.

Senior Digital Product Manager (Sr AVP) at Wells Fargo, Mar 2022 - Feb 2025 · 3 yrs, Bengaluru, Karnataka, India, Took ownership of the full debit card feature backlog on the mobile app — first product role after transitioning from project delivery. Led the mobile product workstream for Paze, a bank-led digital wallet — 13M cards enrolled in the US market. Redesigned the card replacement journey — completion rate improved from 28% to 35%, reducing contact centre volume. Worked across engineering, line of business, design, legal, risk, data, and voice of customer every sprint — translating customer pain into prioritised backlog decisions.

Senior Project Manager at Wells Fargo, Jan 2016 - Mar 2022 · 6 yrs 3 mos, Bengaluru, Karnataka, India, Managed the Debit Cards digital transformation programme — budgets up to $3M, seven agile teams, monthly releases. Standardised the operating model for a team of project managers — improved cost control, resource deployment, and delivery consistency. Promoted twice within Wells Fargo during this period — entry level to mid-level in 2019, then to Senior Project Manager. Delivered 10+ technology projects end to end — budgets $500K to $4M, Waterfall and hybrid methods, 100% audit compliance.

Project Manager at Hewlett Packard Enterprise, Nov 2014 - Jan 2016 · 1 yr 3 mos, Bangalore, Managed Cisco network infrastructure change delivery for global clients — six to seven changes per month across teams of eight to ten.

Service Delivery Consultant at Hewlett Packard Enterprise, Sep 2008 - Nov 2014 · 6 yrs 3 mos, Bangalore, Started at the service desk supporting global clients in end-user computing. Grew into Active Directory and Voice Networking support, then into a Team Lead role. Built foundational skills in ITIL, service management, and customer satisfaction — entirely through on-the-job learning.

Education

Bachelor's degree, Computer Science, Bhandarkars'​ Arts & Science College