Headline

Product Manager, I build and commercialize products in complex, regulated domains | Payments · Healthcare IT · Agentic Commerce · Mortgage · FinTech | Engineer→Architect→PM | EMVCo · ISO 15118 · HL7/FHIR · C2P · GDPR

About

I build products that people want, that businesses can monetize, and that engineering can actually ship - the rare three-corner fit, most product work only manages one corner of. That dual fluency shapes how I work. On the desirability side, I lead human-centered, UX-intensive discovery - modeling consumer and buyer behavior through real user research, then validating design solutions against HCI and usability principles rather than assumption. Eighteen years deep, I came up through the engineering trenches (Developer → Tech Lead → Architect) before crossing into product leadership, so I read a system from the data model up and from the consumer's job-to-be-done down. On the viability side, I own commercialization end-to-end: value-proposition design, price architecture, go-to-market, and the adoption-and-retention loops that turn a launch into durable growth. On the feasibility side, I translate ambiguous, ambitious vision into a disciplined, prioritized backlog that multi-team delivery organizations can execute against - in regulated, enterprise-scale environments where compliance is a constraint, not an afterthought. A few things I've shipped that capture the range: • Defended $20M in annual product revenue at ICE Mortgage Technology via a "Revenue Bridge" cross-sell strategy and a deliberate price-architecture flywheel. • Unlocked a £45M ARR opportunity at ParentPay by leading a next-gen, UX-led finance-reporting product - de-risked with 50+ Early-Adopter enrolments and a research-grounded value proposition. • At Mastercard, I own a multi-track acceptance-platform roadmap (EV Charging, Tolling, Click to Pay, Agentic Commerce) across three parallel delivery teams - taking a platform-as-product to market-test-to-launch under EMVCo, PCI DSS, ISO 15118, and GDPR. • At Tietoevry, I owned UX-intensive healthcare products for non-technical experts - clinicians, nurses, school-finance officers - proving that last-mile usability and build-once-monetize-many platform leverage aren't a trade-off. What ties it together is a belief that the narrative pulls the data, not the other way around - that the best product decisions come from naming the latent frameworks (jobs-to-be-done, value-stream, desirability-viability-feasibility) that make execution repeatable, then communicating them in whatever language the room speaks. I work across payments, mobility, healthcare IT, and EdFinTech, with delivery across European, UK, US, and African markets. Open to senior and principal product roles - platform and commercialization - globally.

Location

Pune Division

AI stack

claude code

claude

elevenlabs

github copilot

notebooklm

replit

Work experience

Lead Product Manager at Mastercard, Dec 2024 - Present · 1 yr 9 mos, Pune District, Maharashtra, India, Owning a multi-track payment-acceptance platform - a digital "acceptance fabric" connecting vehicles, apps, web, and AI agents to Mastercard's network - sequencing a quarter-by-quarter roadmap across two parallel delivery teams. • Lead commercialization of the C2P Plugin (card-on-file & wallet payments with token-passthrough orchestration) - the track in active commercialization. • Authored API specifications for Connected Car Commerce (EV Plug & Charge, Tolling) to EMVCo and ISO 15118, then drove market-test onboarding across the full European EV-charging value chain - fleet platform, eMSP, DC-fast-charging OEM, and charging-OS - across Germany, Spain, and Italy. • Architected an agent-agnostic Agentic Commerce shared service for protocol interoperability across OpenAI's ACP and Google's UCP - positioning Mastercard for emerging agentic-payment opportunities. • Lead 0→1 product development in a highly regulated environment, partnering with GTM to build the market-readiness pathway and drive a successful pilot launch. • Deploy AI as a product-acceleration layer - knowledge-base concierge agents and agentic workflows for spec generation, gap analysis, and integration simulation. Stack: EMVCo · PCI DSS · ISO 15118 · GDPR · Agentic Commerce (ACP/UCP) · platform-as-product · GTM.

Product Owner at ParentPay Group - India, Jun 2023 - Dec 2024 · 1 yr 7 mos, Pune District, Maharashtra, India, Led the renewal of a school-finance reporting product serving ~8,500 UK schools - a textbook case of pairing demand-side discovery with commercial framing. • Unlocked a £45M ARR opportunity by leading a next-gen finance-reporting solution covering the full school-finance reporting taxonomy (statutory/DfE-compliance, financial statements, MAT-consolidated reports). • Ran structured, human-centered discovery - interviewing real users (Bursars, Finance Directors) across Local Authority Maintained Schools, Multi-Academy Trusts Schools, synthesizing insight in Dovetail. • Designed the value proposition with UX around a modern, UX-intensive reporting experience over a REST-API back-end - validated through staged low - to high-fidelity design feedback with Early Adopters. • De-risked product-market fit with 50+ Early-Adopter enrolments; sustained 80% retention by instrumenting with analytics and accelerating delivery with Generative-AI tooling.Led the renewal of a school-finance reporting product serving ~8,500 UK schools - a textbook case of pairing demand-side discovery with commercial framing. • Unlocked a £45M ARR opportunity by leading a next-gen finance-reporting solution covering the full school-finance reporting taxonomy (statutory/DfE-compliance, financial statements, MAT-consolidated reports). • Ran structured, human-centered discovery - interviewing real users (Bursars, Finance Directors) across Multi-Academy Trusts, synthesizing insight in Dovetail. • Designed the value proposition with UX around a modern, UX-intensive reporting experience over a REST-API back-end - validated through staged low- to high-fidelity design feedback with Early Adopters. • De-risked product-market fit with 50+ Early-Adopter enrolments; sustained 80% retention by instrumenting with analytics and accelerating delivery with Generative-AI tooling.

Product Manager at ICE Mortgage Technology, Jul 2021 - Jun 2023 · 2 yrs, Pune Division, Maharashtra, India, Owned an Intelligent Document Processing & Automation platform in the US mortgage market with a clear mandate: defend and grow contracting revenue under macro headwinds. • Delivered on a $20M annual product-revenue target by architecting an RPA-orchestration flow and automated document-recognition engine that cut lender manual-checking effort. • Built the "Revenue Bridge" cross-sell - turning the ingestion engine into a commercial feeder for premium underwriting products (Income, Credit, Asset analyzers). • Drove a deliberate price-architecture flywheel, shifting ~25% of price-per-folder to defend per-folder economics. • Synchronized a canonical data store with Platform Architects - chaotic document streams into pristine system data exposed via a semantic REST API; onboarded a major enterprise contract (JPMorgan Chase). • Increased delivery velocity 30% via LEGO-brick modularity across core mortgage data components.

Product Owner at JPMorganChase, Feb 2021 - Jul 2021 · 6 mos, Pune Division, Maharashtra, India, Brought a product-led mindset into an engineering-led loyalty-redemption platform. • Directed Data Services enhancements consolidating airline/hotel/car/activity inventory via REST APIs - reducing redemption failures and complaints. • Led discovery for a Disaster-Recovery initiative, including a critical assessment of a vendor's proposed solution. • Spearheaded FinOps optimization via user research and UX - personas, workflows, and an Axure concept prototype targeting a 15-20% cycle-time cut.

Technical Product Owner at Tieto, Apr 2019 - Jan 2021 · 1 y 9 mo, Pune, Maharashtra, India, The full arc | Software Engineer → Tech Lead → Technical Product Owner - across Nordic healthcare platforms serving Finnish, Swedish, and Norwegian municipalities. This is where I learned to build UX-intensive products for non-technical experts and where I crossed from Engineering into Product. • Owned backlog and roadmap for the Healthcare BI/Analytics area - scaled a Population-Health visualization dashboard from PoC to enterprise-grade; improved retention 25% with a Child-Development BI dashboard. • Shaped the Lifecare Reporting-Renewal strategy - market research and competitor analysis against Epic and Cerner for a Data Lake / data-warehouse opportunity. • Owned the Healthcare Invoicing renewal architecture (engineering + product dual-hat) - authored a renewal concept on an event pub-sub design with a Business Rule Management System at its core. • Ran a build-vs-buy that avoided $100K/yr by building a custom BRMS on an open-source core, business-user persona at the centre. • Won the "You Dunnit" innovation award for a HoloLens Mixed-Reality solution for dentists - ideated, designed, built, and presented to Tieto's Leadership and also at conference held by Agile Practitioners' Group of India. • Conducted on-site user research in Finland - shadowing clinicians to build the user-behavior intuition that still informs my product judgment.

Lead Software Engineer at Tieto, Apr 2016 - Mar 2019 · 2 y 11 mo, Pune Area, India, ▪ shadowed clinicians as a silent observer during dental appointments and ran post-appointment interviews, building the user-behaviour intuition that informed both engineering and later product work. ▪ Re-designing architecture for healthcare invoicing system, ▪ Full stack development using .NET platform: Web & Windows ▪ Setting up Continuous integration, releases, static code analysis ▪ Exploring – Designing – Developing Business Rule Management Systems

Senior Software Engineer at Tieto, Nov 2013 - Mar 2016 · 2 y 4 mo, Pune Area, India, - Worked as Scrum Master for a Team within SAFe environment - Refactoring code using Object Oriented Thought Process - Working on performance improvement and memory profiling

System Analyst at Nihilent Technologies, Mar 2010 - May 2012 · 2 y 2 mo, Pune

Programmer Analyst at Rheal Software Private Limited, Jan 2008 - Mar 2010 · 2 y 2 mo, Mumbai

Education

Master of Business Administration - MBA, Marketing/Marketing Management, General, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Master of Computer Applications, Computer Programming, Specific Applications, North Maharashtra University

Public links

github: https://github.com/veerstack

youtube.com: https://youtube.com/@curiouslearning3301