---
title: "Yogesh Soni - Product Manager in Bengaluru | Tal"
description: "Meet Yogesh Soni, Product Manager | FinTech & Digital Payments | AI/GenAI, RAG & Agentic AI Use Cases | Business + Technology Transformation | 14+ Years based in Bengaluru. AI stack includes anthropic apis, codex, and langchain."
image: "https://tal.club/meet/yogesh-soni/share-image"
---

# Yogesh Soni on Tal

## 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

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

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