J

Joshy Varoky Francis

CTO

Chennai, Tamil Nadu, India21 yrs 1 mo experience
Highly Stable

Key Highlights

  • Built award-winning collection platform from scratch.
  • Deep expertise in product development and team building.
  • Led successful banking transformation projects.
Stackforce AI infers this person is a Fintech expert with strong product management and development skills.

Contact

Skills

Core Skills

Business DevelopmentStrategic PlanningGo-to-market StrategyCustomer AcquisitionProduct ManagementGlobal Product ManagementFull-stack DevelopmentPayment GatewaysProject ManagementVendor ManagementCustomer SupportBusiness Process Improvement

Other Skills

API DevelopmentApplication ArchitectureBusiness-to-Business (B2B)CommunicationCompensationCustomer RetentionDRGDigital StrategyEngineering LeadEngineering managerFinTechHands-on TrainingIT TransformationLicensingMarket Analysis

About

Chief Marketing Officer with 19 years of experience in Product based industry specializing in Banking, Fintech, and Regtech products. Over the years, have developed good knowledge of Product Framework, Low code/No code, Scalable and Secure architecture, and Microservices. I built the award-winning collection platform Collect.ezee grounds up and successfully implemented it for several banks and collection agencies in Australia and South East Asia. Prior to this, I built CCR products for Australian regulatory and used widely across banks and Click.ezee products for digital payment collection. Have deep expertise in the step-by-step process of building a world-class product from scratch and building high-performing teams. Have played an active role in the journey of startups to scale up and push the limits further each day to achieve the next target. Student of life, wish to learn things new and pick challenging roles and give my fullest.

Experience

Eleos services, inc.

Chief Technology Officer

Oct 2023Present · 2 yrs 5 mos

  • As a CTO, Guide ELEOS in its transition from a Legacy System and Process to a Digital First Collection Agency with the best Technology Architecture, Integrations, Digital Portal, Payment Infrastructure, and automation.
Business Process ImprovementBusiness DevelopmentBusiness-to-Business (B2B)Hands-on TrainingStrategic PlanningSoftware Industry

Maxyfi

Chief Marketing Officer

Jun 2023Present · 2 yrs 9 mos

  • Maxyfi, a next-gen SaaS company that automates and optimizes accounts receivable processes for businesses (B2B and B2C). Maxyfi helps you collect your payments faster, reduce your DSO, improve your cash flow, and enhance your customer relationships.
  • Managing GTM, Digital Marketing, Inbound Sales, Data Mining, Lead Generation & Qualification, Anchoring Pre-Sales Discussions, Deal Closure, and Strategic Partnerships.
LicensingCustomer AcquisitionSalesGo-to-Market StrategyBusiness DevelopmentBusiness-to-Business (B2B)+9

Torro.ai

Chief Product Officer

Aug 2022Present · 3 yrs 7 mos · Hybrid

  • World's first Fully Governed Data Marketplace & and DataSecOps Solution for organizations to regulate a thriving data economy, orchestrate the analytical data supply chains, and harness the potential of customer and business data in a safe, secure, and responsible way.
Product PlanningBusiness DevelopmentGlobal Product ManagementCommunicationProduct OperationsCustomer Retention+4

Career break

Career transition

May 2022Jul 2022 · 2 mos · Chennai, Tamil Nadu

Rapyd

Offshore Engineering Manager

Jun 2018Jun 2019 · 1 yr · Chennai, Tamil Nadu, India

  • Offshore Engineering Manager / Scrum Master for Rapyd from EPIK, managing 2 full-fledged Squad comprising of Tech Lead, UI Developers, API Developers, and QA. Managing fortnightly release for Payment Aggregation and Portal.
  • Main activities include working directly with Payment Gateways, Integrating to Rapyd backend, Certification of Integrations, and Building utilities for reconciliation. Also in Portal, Working closely with Product Owner from Israel on the Portal requirements, estimation, Planning, build, QA, and release.
Full-Stack DevelopmentPayment GatewaysBusiness-to-Business (B2B)CommunicationCustomer RetentionStrategic Planning+5

Ezee.ai

Senior Product Manager

Jul 2017May 2022 · 4 yrs 10 mos · India

  • Senior Product Manager for award-winning Collection Platform Collect.ezee. Took the product from concept to MVP to stable business with several successful implementations across banks and debt collection agencies in Australia and South East Asia. Also have Successfully built several financial and regtech products like Click.ezee, CCR cum enterprise microservices for Authentication, Communication Template, Commission Computation, and Approval module. Known to deliver things in a structured way and build high-performing teams at ezee.ai
  • One of the founding members and have been through the startup to scale-up journey and is passionate about learning new things each day.
  • Currently a shareholder in EPIKInDiFi.
LicensingEngineering LeadApplication ArchitectureBusiness Process ImprovementBusiness DevelopmentBusiness-to-Business (B2B)+11

Emirates nbd

iCore Project Manager and Application Architect

Jul 2015Jun 2017 · 1 yr 11 mos · United Arab Emirates

  • Managing large scope of work and vendor for one of the complex Core Banking transformation done in Middle East to date. Primary responsibilities to deliver the project scope within the Schedule and Cost, Manage Stakeholder and Vendor needs across project life cycle, Align with group policy & procedure and achieve compliance as per norms.
  • Achieved on time Go-live and managed post go-live stabilization to handover to support.
LicensingProduction ManagementBusiness Process ImprovementVendor ManagementBusiness-to-Business (B2B)Communication+9

Infosys finacle

5 roles

Senior Project Manager - Finacle Product Implementation

Jan 2013Jun 2015 · 2 yrs 5 mos

  • Project Manager for Payment System Roll-out
  • (1) Project initiation and Scope Lock down
  • (2) Team identification, Cost and Time estimation
  • (3) Plan and Manage Critical Path and Project Plan
  • (4) Track the project against the plan.
  • (5) Manage change request within project objective.
  • (6) Manage team, assess and provide feedback
  • (7) Raise risk and Escalate issues affecting project.
  • (8) Manage communication and stakeholders
  • (9) Acceptance for Project closure and provide learning and inputs for Post implementation review.
Customer SupportLicensingDRGBusiness Process ImprovementBusiness-to-Business (B2B)New Product Rollout+9

Functional Project Manager - Finacle Product

Oct 2011Dec 2012 · 1 yr 2 mos

  • Functional Project Manager for ANZ Regional System Design and ANZ Philippines
  • (1) Estimate effort for Discovery, Design, Build and ST.
  • (2) Track the project against delivery milestones.
  • (3) Change Management process.
  • (4) Prepare weekly Governance report
  • (5) Raise risk and Escalate issues affecting project.
  • (6) Manage Knowledge session and timely feedback to team.
  • (7) Post Go-Live Support
LicensingBusiness Process ImprovementBusiness-to-Business (B2B)CommunicationCustomer RetentionStrategic Planning+3

Technology Lead - Finacle Product

Promoted

Oct 2009Sep 2011 · 1 yr 11 mos

  • Technology Lead for ANZ Bank (Indonesia / China / Taiwan / Hong Kong)
  • (1) Business Analysis, Solution Design for Regional model of Core banking implementation (Loans).
  • (2) Code Modularization, Coding Standard and Reusability of Customization for Multi-Country rollout.
  • (3) Handling Data Migration Strategy and Mapping.
  • (4) Development/Delivery/Deployment of Tools for Data Comparison, Patch Deployment and Data Replication.
  • (5) Handling workshop and Discussion for Multi Country rollout.
LicensingBusiness Process ImprovementBusiness-to-Business (B2B)CommunicationCustomer RetentionStrategic Planning+3

Technology Analyst - Finacle Product

Promoted

May 2007Sep 2009 · 2 yrs 4 mos

  • Technology Analyst for Multiple Core Banking implementation (GHB-Thailand, HNB-Srilanka, Kiwibank-NewZealand)
  • Responsibilities in this project were Handling Requirement Gathering Workshops, Functional Design, Technical Design & Architecture, Solution discussions with the bank, Data Migration, Product Installation(Production System), DR & Cluster setup, design and development of Banking Customization solutions, Go-Live & post Go-Live Support, EOD and EOM Tuning, Client interfacing, leading and mentoring the team.
CommunicationSoftware Industry

Software Engineer & Senior Software Engineer - Finacle Product

Jun 2004Apr 2007 · 2 yrs 10 mos

  • Worked as Engineer for the projects : UBP-Philippines, Deutsche Bank-Singapore, ABN AMRO-Hongkong and GHB-Thailand
  • My responsibilities in this project were Banking product Installation, Developing tools for (DB backup, Restore and Patch Deployment), Testing of Modules in Finacle Universal Banking Solution, Business Parameter Maintenance (BPD Seed Data Maintenance), Support during (UAQ, SIT, UAT, Simulation and Production), Issue Tracking, Patch Maintenance, Data Migration Support, Banking Product Customization.
Software Industry

Education

University of Madras

Bachelor of Engineering (BE) — Computer Science

Jan 2000Jan 2004

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