Headline

Product Manager | FinTech & Digital Payments | AI/GenAI, RAG & Agentic AI Use Cases | Business + Technology Transformation | 14+ Years

About

I am a Product Management and Business Analysis professional with 14+ years of experience across fintech, banking, digital payments, merchant acquiring, and enterprise technology transformation. My experience includes working closely with business, product, technology, operations, compliance, and customer-facing teams to convert business problems into scalable digital solutions. I have worked across product discovery, requirement analysis, BRDs, user stories, acceptance criteria, Agile delivery, UAT, go-live readiness, and post-production support. My core strength is bridging business and technology — understanding the business problem, defining the right product requirements, aligning stakeholders, and supporting engineering teams through delivery. Key areas of experience include: FinTech product management Digital payments and merchant solutions Tap-on-phone and payment acceptance journeys Product requirement documentation Agile delivery and stakeholder management API-led product implementation UAT, release readiness, and production support Business process improvement and digital transformation I am also actively building expertise in AI, Generative AI, Retrieval-Augmented Generation, vector databases, and AI agents, with a focus on practical business applications such as intelligent search, knowledge management, customer support automation, operational workflow automation, and AI-assisted product experiences. I am interested in roles where product thinking, domain expertise, technology understanding, and execution discipline come together to build meaningful digital products.

Location

Bengaluru

AI stack

anthropic apis

codex

langchain

openai

claudecode

githubcopilot

Work experience

Product Manager at Wells Fargo, Nov 2024 - Present · 1 yr 10 mos, Bengaluru, Karnataka, India, - Product Strategy & Roadmap: Directed strategy and roadmap execution for Wells Fargo Gateway’s 60+ APIs, with a goal of reducing partner onboarding time by 30%. - Innovation: Conceived and delivered a unified, rule‑based virtual sandbox with Generative AI integration to simulate production‑grade test data; performed competitive benchmarking and feasibility assessments to establish the platform as a first‑mover solution. - Execution: Oversaw end‑to‑end product development from discovery through implementation; managed backlog and Agile ceremonies under the Scrum framework. - Collaboration: Worked closely with API squads, legacy system owners, compliance teams, and business stakeholders to align architecture, validate solution design, and ensure regulatory adherence. - Delivery: Supervised validation and testing of solution design, ensuring scalability, resilience, and compliance across the ecosystem. - Tools/Tech: JSON, Postman, APIs, Confluence, JIRA. - Achievement: Achieved a 30% reduction in partner onboarding cycle time, accelerating speed to market and improving operational efficiency.

Product Manager - Technical at Mastercard, Nov 2022 - Nov 2024 · 2 yrs 1 mo, India, On payroll of EPAM system - Product Strategy & Roadmap: Led product strategy, roadmap, and full‑stack implementation of Mastercard’s Cloud POS Tap‑on‑Phone solution, including PCI MPoC/CPoC‑certified iOS/Android app and a web‑based Admin Portal to accelerate partner and merchant onboarding. - Innovation: Drove integration of multiple payment modes (NFC, QR code, link‑to‑pay) to expand merchant acceptance capabilities and enhance flexibility. - Execution: Managed backlog and rollout under the SAFe Agile Framework, collaborating with cross‑functional squads for design, testing, and deployment. - Collaboration: Partnered with sales, compliance, engineering, and client stakeholders to align product delivery with business needs and regulatory requirements. - Tools/Tech: JSON, Postman, APIs, Figma, Confluence, Rally, PostgreSQL. - Achievement: Eliminated $600–$1,200 hardware costs per outlet and enabled instant merchant onboarding, driving adoption across multiple geographies.

Product Owner at Verifone, Apr 2021 - Oct 2022 · 1 yr 7 mos, Remote, On payroll of EPAM system - Product Strategy & Roadmap: Owned roadmap implementation for a web‑based merchant onboarding platform, enabling automated contract generation, welcome letter issuance, and seamless sales of POS devices and e‑commerce payment applications. - Innovation: Drove engineering teams to ideate and deliver a microservices‑based onboarding solution, transforming business requirements into scalable system designs. Refined user journeys to ensure compliance, resilience, and rapid merchant activation, positioning the platform as a foundation for growth and operational efficiency. - Execution: Authored user stories, managed backlog prioritization, and facilitated requirement negotiation, stakeholder management, and defect monitoring throughout the Agile lifecycle. - Collaboration: Partnered with sales teams to capture requirements and propose product solutions; supported development from inception through production deployment. - Tools/Tech: APIs, JSON, Postman, Figma, Confluence, sequence/activity diagrams. Methodology: Agile. - Achievement: Reduced merchant onboarding cycle from several weeks to just hours, enabling rapid scale and faster revenue realization.

Product Owner || Business Analyst at Wells Fargo, Dec 2017 - Apr 2021 · 3 yrs 5 mos, Hyderabad, Telangana, India, - Product Implementation: Acted as product owner proxy for enterprise applications leveraging real‑time customer, account, and transaction data, supporting initiatives such as My Wells Fargo Deals, BIN Repository, Fraud & Claims Settlement, and Identity Access Management. - Requirements & Backlog Management: Translated business requirements into functional/system specifications; authored user stories, refined backlog, and prioritized features to align delivery with business objectives under Agile. - System Design: Partnered with engineering teams to design ETL mappings, MQ/message specifications, and data models (SAP Power Designer); collaborated with DBAs to implement scalable database solutions. - Collaboration & Delivery: Worked with stakeholders on requirement negotiation, defect management, and validation of business rules; guided development teams through implementation to production deployment. - Tools/Tech: Ab Initio (ETL), SQL, Java, XML, APIs, Microservices, JIRA, Confluence, MQ Services, SAP Power Designer.

Business Analyst at Accenture, May 2017 - Dec 2017 · 8 mos, Pune, Maharashtra, India, - Project Scope: Supported development of a trade enrichment application by bridging business needs with technical delivery. - Requirements & Backlog: Assisted the product owner with backlog refinement and user story creation; drafted acceptance criteria to ensure clarity and testability. - Analysis & Translation: Translated business requirements into system specifications, enabling engineering teams to design APIs, microservices, and integration flows. - Collaboration & Delivery: Partnered with stakeholders for requirement negotiation, defect management, and validation of business rules throughout the Agile lifecycle. - Tools/Tech: Java, APIs, Microservices, JIRA, Confluence

Education

Product management, Indian School of Business

Bachelor of Engineering, Computer Engineering, Jabalpur Engineering College