---
title: "Subrahmanya Hegde - Lead Digital Product Manager (VP) in Bengaluru | Tal"
description: "Meet Subrahmanya Hegde, Product & Program Delivery Leader | Banking & Digital Payments | AI-Augmented Delivery | Bridging Business Strategy & Technology Execution based in Bengaluru. AI stack includes Microsoft Copilot."
image: "https://tal.club/meet/subrahmanya-hegde/share-image"
---

# Subrahmanya Hegde on Tal

## 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

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

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