Headline

Product Owner Digital Payments -UPI | AEM |Fintech & Open Banking Specialist | API & Cloud integaration expert l AI Tolls and chat-GPT expert l Digital Platform App+Web| TechOps |People Manager

About

Results-driven Product Management & Operations professional with 15+ years of experience across Fintech, Digital Payments, UPI Platforms, Open Banking, Digital Platforms, Collections, Debt Management, and Customer Operations. Currently working with Bajaj Finance Ltd as a Product Manager handling UPI Issuance Payment Platforms, Open Banking initiatives, API-driven products, and digital customer journeys. Experienced in managing Digital Platform products including App & Web journeys, AEM-based platform coordination, API integrations, and application performance monitoring. Hands-on exposure to monitoring tools such as Firebase, Google Analytics, New Relic, and APM dashboards for tracking user experience, transaction success ratios, app stability, failure analysis, and customer behavior insights. Strong expertise in end-to-end product lifecycle management including product roadmap planning, stakeholder management, compliance implementation, UAT coordination, process optimization, production operations, and operational analytics. Worked extensively on NPCI guidelines, fraud monitoring, transaction analytics, Open Banking architecture, and scalable fintech solutions. Prior experience includes leading large-scale collections and debt management operations with expertise in delinquency management, vendor handling, MIS reporting, process improvement, customer engagement, and team leadership. Successfully managed high-performing teams, operational KPIs, and cross-functional business operations in banking and utility sectors. Passionate about building scalable digital products, solving business problems through technology, and driving operational excellence through data-driven decision-making. Skilled in Product Management, Business Operations, UPI, Open Banking, AEM Platforms, App Monitoring, Tableau, Power BI, Jira, Azure, SQL, and stakeholder collaboration. Open to mid-senior level opportunities in Product Management, Digital Platforms, Fintech, Business Operations, and Collections Leadership roles.

Location

Pune City

AI stack

gemini

langchain

notion

openai

Work experience

Sr.Unit Manager Payments COE at Bajaj Finserv, Nov 2024 - Present · 1 yr 8 mos, Pune District, Maharashtra, India, Led end-to-end product lifecycle for UPI and digital payment solutions, from ideation to launch. Managed product roadmap aligned with business goals and customer needs. Collaborated with cross-functional teams including tech, design, and business stakeholders. Improved user experience by identifying pain points and optimizing customer journeys. Defined product requirements, PRDs, and user stories for seamless execution. Monitored product performance using key metrics and drove data-driven decisions. Worked on UPI features like Pay to Contact, UPI ID verification, and Autopay flows. Ensured compliance with regulatory guidelines for digital payments. Business / Operations Impact Increased transaction success rate by identifying and resolving system issues. Reduced app crashes and improved stability through rigorous UAT testing. Enhanced customer engagement through feature improvements and UI optimization. Coordinated with support teams to resolve customer complaints and improve satisfaction. Led stakeholder discussions and aligned teams on product vision and priorities. Mentored junior team members and ensured timely delivery of projects. Acted as a bridge between technical and non-technical teams.

Unit Manager Bajaj Finserv Digital Platform at Bajaj Finserv, Jul 2023 - Nov 2024 · 1 yr 5 mos, Pune District, Maharashtra, India

Product Manager ( 3in1 ) at Bajaj Finserv, Oct 2021 - Jul 2023 · 1 yr 10 mos, Pune Division, Maharashtra, India,  Currently looking monitoring in Bajaj 3-1 Mobility app operations process.  Support Team Management: Handling the Team of 30 off- roll support executives  Using tolls for monitoring like Azure Board, Power-BI, User Experior, KIP Portal, Google Console, Clever Tap.  Work with team as per requirement we help to PMO SPOC in various modules to test & other support they required.  Monitor Daily KPI dashboard Doing analysis for failure percentage & inform to concern modules SPOC regards same.  Ensure in Manual testing activity approx. 600 items of 35 to 40 cycle should be done by monitoring team in Day & Same manual testing Heat-map Dashboard publish every day.  Review all Play store comments written by customers and report issues.  Retest all production issues and monitor to closure.  User Testing of new modules/ functionalities and stakeholder management. i. Work with PMO team to perform UATs ii. Meet PMO teams in periodic manner to find way forward on new processes & revamp of old processes iii. Support in managing customer escalations  App Management Reports i. Publish Daily Dashboard ii. Publish Business Support reports

Central Team Leader at SND.Ltd, Jul 2018 - Nov 2019 · 1 yr 5 mos, Nagpur, Maharashtra, India

Assistant Manager Commercial & Customer Service at Orange City Water work Pvt.Ltd., Aug 2016 - Jul 2018 · 2 yrs, Nagpur, Maharashtra, India

Team Leader Commercial at SND LTD An ( Essel group ), Jul 2013 - Aug 2016 · 3 yrs 2 mos, Tulasibag zone ( SND.LTD NAGPUR ), Responsibilities • Handling Commercial operations (New service connection, Meter reading, Bill Generation, Bill distribution, Collections, sales & meter mgmt.) • Handing Customer Service Team in two zones. • Provide effective strategic direction and leadership of the customer interface • Responsible analyzing commercial losses and arrange camp in different locations. • Backed customer service process owner. • Responsible for all back office & operational activities individually & as team (Name change , tariff change, Bill adjustments , billing card file processing ) • Responsible for monthly billing processing & ensure process it on time. • Resolving disputes billing and solving customer complaints. • Special Projects process owner for two circles.( like consumer service , nsc ,) • Collecting account and billing processing information from the consumers. • Responsible for collection activity. • Maintain monthly MIS (collection, compliance, NSC etc.) Achievements • Reduce footfall by 63% at Tulsibagh consumer service center • Reduce bill related complaint TAT by 20 days • Introduced innovative and time saving process for bill revision bringing the TAT by 7day • Introduced process to identify commercial loss making residential consumers • Implemented automated process for the first time in company profile developed by Oracle.

Consumer Service Officer at Spanco Nagpur Discom Ltd, Nov 2011 - Jul 2013 · 1 yr 9 mos, Greater Nagpur Area, • Handling Front office at Nandanwan CSD. • Resolving consumer queries, complaints. Application. i.e., change of name, tariff change,billing adjustment (bill revised) billing correction average billing etc and grievances up to their satisfaction. • NSC Application register, PD to reconnection (live) process. • Maintain Site visit reports file and scan upload SI reports and complaint, application register. • Maintain a daily MIS of all the applications / queries / feedback / request received and track.

Education

Master of Business Administration (MBA), Finance & International Business management, nagpur university

M.com, Financial Management, nagpur university