Kavita Panday

Product Manager

Pune, Maharashtra, India11 yrs 9 mos experience

Most Likely To SwitchAI Enabled

Key Highlights

Over 10 years of experience in Product Management.
Expertise in Payments Domain and transaction processing.
Proven track record in cross-functional collaboration.

Stackforce AI infers this person is a Fintech Product Manager with extensive experience in payment systems and business analysis.

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Skills

Core Skills

Product ManagementPayment SystemsBusiness AnalysisConsultingPayments ProcessingStrategy ConsultingMarket ResearchPayment SolutionsBusiness Process Management

Other Skills

ACHAcquiring & IssuingArtificial Intelligence (AI)Artificial Intelligence for BusinessBusiness StrategyClearing & SettlementCore JavaCustomer ReportingData AnalysisData-driven Decision MakingEclipseEnglishGenerative AI ToolsISO 20022Java

About

🔍 As a seasoned Product Manager with 10+ years of experience, I thrive on bringing innovative ideas to life and crafting exceptional customer experiences guiding products from conception to launch. 🛠️ Business experience in Payments Domain Industry with in-depth knowledge of problem resolution, Strategy and Business Consulting with payment products. 💡 Specialize in Retail & Card Payments, Payment Switch, BNPL (Buy Now Pay Later), QR code payment, SEPA payments, Nordic P27 payments, Virtual Account Management systems, Card management systems, SWIFT Payment, Core Banking Solutions, Payment Message Specification as ISO 8583, ISO 20022, SWIFT standard. 📈 Have experience in analyzing data and metrics to identify opportunities for improvement, iteratively refining products , drafting customer requirements. 🚀 Excel in cross-functional collaboration, working closely with engineering, design, and product marketing teams to deliver high-impact solutions that meet both user needs and business objectives. I'm adept at leading agile development processes, prioritizing features, and managing product roadmaps to ensure timely delivery and maximum value.

Experience

Mastercard

Senior Product Manager

Jul 2022 – Present · 3 yrs 8 mos · Pune · Hybrid

My roles and responsibility include analyzing, elaborating new requirement to be developed as part of Transaction Stream SA
Foundation and building Nextgen Switch. I am responsible for defining new features for multiple areas of work such as
Reconciliation Manager, Transaction life cycle, Transaction Stream, Customer Reporting, Integration with Data Warehouse and
Billing Systems. etc. Working on new initiative such as new IRDs option for Acquirer & Issuer, Real Time Clearing, Transaction
API.
● Support product commercialization activities across Eastern Europe, Middle East and Africa Region. Provide subject matter
expertise and industry thought leadership on all matters pertaining to switching and transaction processing. Identify product
innovation opportunities related to transaction switching, clearing and settlement activities across value chain. Develop narratives
and visuals marshalling facts and analysis to support your recommendations, present them to key decisionmakers, and drive
alignment among other teams and support from leadership.
● Collaborate with FinTech Innovators and internal expert teams to drive the integration of the Card payment to Account payment
platform with a new acquirer. Implementing Flex interchange and MAIDs to enhance the product offering. Managing deliverables
and ensure smooth communication, providing critical product insights to help team succeed.

StrategyProduct ManagementPayment Systems

Opus consulting solutions

Lead Business Analyst

Mar 2021 – Jul 2022 · 1 yr 4 mos · Pune

Involved in discovery phase, implementation phase for different clients to identify the challenges and areas of improvement,
provide and built solutions to address the same.
● Capture requirement from clients through collaboration, discussion, session, and come up with project requirement in terms of
features.
● Facilitate and contribute to sprint ceremonies - PI planning, sprint grooming, retrospectives, daily scrum, sprint review,
collaboration as a product owner, remove impediments or guiding the team to remove impediments by finding the right personnel
to remove the impediment.

StrategyBusiness AnalysisConsulting

Tietoevry

Solution Consultant

May 2020 – Mar 2021 · 10 mos · Pune, Maharashtra

Work closely with business and technical teams on various issues, defect and enhancements to support the understanding and
successful implementation of the business requirements.
● Involved in requirement gathering, documentation, and re-phrasing of the business requirements to a technical level to help
development and testing teams

StrategyBusiness AnalysisConsulting

Intellect design arena ltd

Business Analyst

Mar 2019 – May 2020 · 1 yr 2 mos · Pune Area, India

Designation: Business Analyst
Project Experience:
The corporate payment system implemented for HDFC consists supports bulk and single transfer. The product facilitates the bank to maintain multiple corporate clients and their multiple clients along with business products. Different payment products as domestic and intra-bank transfers are available for those respective clients. Payments from Multiple Channels such as H2H, ATM, POS Machines, Mobile Phones and Kiosks and many standard formats as ISO 20022, SWIFT, EDIFACT and Paymul Formats are available.
Responsibilities:
Working with various aspects of transnational banking like payments processing, SWIFT, CHEQUE and DD, Real time Payments, RTGS, NEFT, UPI payment.
Have experience in analyzing customer requirements, carrying out need, gap, impact and cost analysis, customizing solutions, integrating new customers, and testing new products.
Requirements Elicitation, Impact Analysis, UAT/ test support, Team Management etc.
Working on various BA deliverables like BRD, FRD, JIRA, confluence, user story, agile methodology
Contributing in the preparation of test strategy and plans/scripts for functional designs with QA analysts.
Documenting the Day 0 deliverable of the product to be implemented at the bank end.
Client: HDFC Bank

Business AnalysisPayments Processing

Francorp, inc.

Strategy Consultant

Feb 2017 – Feb 2019 · 2 yrs · Mumbai Area, India

Designation: Strategy Consultant
Responsibilities:
Analyze and evaluate client organization’s operations and procedures to offer recommendations based on findings.
Identifying potential opportunities and developing industry specific recommendation on the model to expand through franchising, distribution backed by market research, competitive analysis, data analysis.
Track market trends and competitor moves and hence recommend strategies to sustain
Successfully built new strategies for expansion/rollout plan of different companies through appropriate models and present them to the clients.
Develop revenue modelling and projection of the same and carry out sales /product mix analysis and impact of the same on the business.
Market share and wallet share analysis.
Working on multiple projects and communicating with teams simultaneously; coordinated with different departments (operation, marketing) to bring the project closure successfully.
Clients: Marshalls' Enterprise, Jashn, PepperFry, Dr. Batra, NilKamal, Kapiva by Baidyanath, NITCO

Strategy ConsultingMarket Research

Polaris consulting & services ltd

Consultant

Jun 2014 – Feb 2017 · 2 yrs 8 mos · Mumbai

Designation: Consultant
Project Experience:
Designing & implementing payment solutions for banking institutions on in-house frameworks -Business Process Studio (BPS) and Intellect Payment Services Hubs (IPSH). The framework is a module for scheduling and parsing of all the payment transactions with a view to achieve a standardized, transparent STP processes with adequate automated control. Parsing different formats like SWIFT MT format, ISO, XML, Delimited, Fixed length formats with multiple transactions.
Responsibilities:
Analyzing the client specific requirements and implementing the design/process flow for the payment processing.
Conceptualized and automated banking transactions by designing various transaction formats like XML’s, Delimited, SWIFT, Fixed-Length
Preparing BRD & FSD and Validate mapping logic, creation of configuration documents and transactional data analysis.
Clients: CIBC Bank, MASHREQ, LBG

Payment SolutionsBusiness Process Management