---
title: "Veerendra Sontakke - Lead Product Manager in Pune Division | Tal"
description: "Meet Veerendra Sontakke, 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 based in Pune Division. AI stack includes claude code, cl..."
image: "https://tal.club/meet/veerendra-sontakke/share-image"
---

# Veerendra Sontakke on Tal

## 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

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

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/veerendra-sontakke#person",
      "name": "Veerendra Sontakke",
      "url": "https://tal.club/meet/veerendra-sontakke",
      "image": "https://tal.club/meet/veerendra-sontakke/profile-photo.jpg",
      "description": "Meet Veerendra Sontakke, 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 based in Pune Division. AI stack includes claude code, cl...",
      "jobTitle": "Lead Product Manager",
      "worksFor": {
        "@type": "Organization",
        "name": "Mastercard"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Lead Product Manager"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Pune Division"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "SVKM's Narsee Monjee Institute of Management Studies (NMIMS)"
        },
        {
          "@type": "EducationalOrganization",
          "name": "North Maharashtra University"
        }
      ],
      "knowsAbout": [
        "claude code",
        "claude",
        "elevenlabs",
        "github copilot",
        "notebooklm",
        "replit"
      ],
      "sameAs": [
        "https://github.com/veerstack",
        "https://youtube.com/@curiouslearning3301"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/veerendra-sontakke#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/veerendra-sontakke#webpage",
      "url": "https://tal.club/meet/veerendra-sontakke",
      "name": "Veerendra Sontakke on Tal",
      "description": "Meet Veerendra Sontakke, 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 based in Pune Division. AI stack includes claude code, cl...",
      "dateModified": "2026-08-03T14:06:14.583Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/veerendra-sontakke#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/veerendra-sontakke/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/veerendra-sontakke/profile-photo.jpg",
        "caption": "Veerendra Sontakke profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```