Jayashankar Aravind

Product Manager

Mumbai, Maharashtra, India19 yrs 5 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Expert in regulatory compliance and product management.
Proven track record in launching innovative financial products.
Strong background in data analysis and market strategy.

Stackforce AI infers this person is a Fintech Product Manager with expertise in regulatory compliance and innovative financial solutions.

Contact

ajayashankar83@gmail.com LinkedIn

Skills

Core Skills

Product ManagementRegulatory ComplianceData AnalysisFinancial ManagementMarket StrategyStrategic PlanningSoftware Development

Other Skills

Big Data ArchitectureConsumer Triggers PlatformCredit Card ManagementCustomer InsightsElectro-Mechanical Works ManagementEstate PlanningFinancial AdvisoryInstant IssuanceLife Cycle ManagementMFCMarket AnalysisMobile App IntegrationPnL ResponsibilitiesPrepaid Card ManagementProduct Financial Performance

About

A passionate professional with a strong understanding of payments, credit card, personal loans (PL), prepaid payment instruments (PPI), and investment-related core product and regulations. Strong understanding of products with know-how of credit compliance, IRAC norms, and KYC, combined with deep business insight, has helped me design digital journeys that balance regulatory needs with customer-centricity. I leverage business and technology frameworks to create seamless, intuitive experiences that drive both compliance and value. Interest in investment advisory led to self-learn and successfully clear the NISM Registered Investment Adviser (RIA) exam. There is a growing need of holistic financial planning, offering insights into equity, gold, insurance, estate planning, and more. Committed to guiding individuals towards making well-informed, confident financial decisions.

Experience

Fpl technologies

Core Product Lead

Sep 2020 – Present · 5 yrs 6 mos · Mumbai, Maharashtra, India

Managing core credit card product across unsecured and secured offering. Creating the complete life cycle management module within the credit card ecosystem with granular detailing in line with the regulatory mandate across onboarding, pre/post issuance activity not limited to billing, statement , interest working, apportionment.
Ensuring offering is inline with the policy : credit card, credit policy, KYC, collection and IRAC.
Worked on the end to end PL offering with partner banks and NBFC as a DLA/LSP with robust coupled offering around BRE, Legaltee, Mandate and disbursement.

Credit Card ManagementRegulatory ComplianceLife Cycle ManagementProduct Management

Transunion cibil limited

AVP Credit Product

Apr 2019 – Aug 2020 · 1 yr 4 mos · Mumbai, Maharashtra, India

Managed Consumer Triggers platform which enables members to evaluate their borrower base to increase opportunities and containing risk.
Key Highlights :
Triggers playbook to facilitate members to have a holistic overview of their portfolio using automate process integrated into Tableau for rendering.
Triggers platform capability enhanced by leveraging Big Data Architecture and optimised Search & Match module.
Integration with Triggers Optimization Engine with Proprietary Business Rule Management on powerful CV Ago attributes enabling greater policy customisation leverage for members.

Consumer Triggers PlatformBig Data ArchitectureTableauProduct ManagementData Analysis

Icici bank

3 roles

Product Head : Domestic Prepaid Cards

May 2018 – Mar 2019 · 10 mos · Mumbai

Managed Domestic prepaid cards Product with PnL responsibilities.
Key Highlights :
1. Launched Industry first PWA based Instant Issuance of Expressions Gift Card within IMobile App with interaction based gifting themes.
2. Third Party Integration Suite for Prepaid Cards enabling seamless Onboarding of partners.

Prepaid Card ManagementPnL ResponsibilitiesInstant IssuanceProduct ManagementFinancial Management

Product Head - Gift Cards, Semi Closed Cards

Apr 2015 – Mar 2018 · 2 yrs 11 mos

· Unveiling opportunities that can generate impacts to the product financial performance by increasing Top Line and reduced OPEX
· Instrumental in the launch of Multi Wallet Prepaid Card, Virtual Gift Card, API integration with key clients for seamless payment solution
· Analyzing existing customer data, while also assessing the competitive landscape and market trends. Thereby bench-marking and enabling the product with a competitive edge.
· Utilizing data driven insights to develop recommendations for new revenue generating opportunities and product enhancements.
· Understanding customer feedback and creating solutions to eliminate any pain points and solve unmet needs.

Product Financial PerformanceMarket AnalysisCustomer InsightsProduct ManagementMarket Strategy

Product Manager - Domestic Prepaid Card - Open Loop , Gift Card , Meal Card

Jul 2012 – Apr 2015 · 2 yrs 9 mos

· Provide recommendations on overall product roadmap including – product enhancements, product extension, features and functionality set .
· Develop product requirements document (PRD) and coordinate with product development and project management teams to prioritize requirements and manage timeline and execution.
· Evaluated new Prepaid Host for Bank among EPMS, Vision Plus, PRIME, Cortex- FIS, FSS, etc. Spear headed migration from Business and the project was also adjudged the winner for Asian Banker Award 2016.
· Network Partner engagement with VISA, Master Card and NPCI
· Provide input to strategic planning and budget and manage channel P&L for growth and profitability
· Coordination with internal functional and support groups (Operations, Customer Service, Legal and Compliance team, Account Management, Risk and Fraud management etc.) to manage the overall customer experience and address any product issues. Includes helping to build and improve procedures and handle unique/escalated scenarios

Product Roadmap DevelopmentProject ManagementVendor ManagementProduct ManagementStrategic Planning

Vijals electromechanical works (llc)

Owner

Jan 2008 – Jun 2011 · 3 yrs 5 mos

Specializing in Electro-Mechanical Works .Looking after the Management and taking decisive actions which will help the company make a mark of itself.
We specialize in Electrical MV/LV Panel , Relays ,Marshelling unit ,control cabling ,Bus bar ,Transformer ,Generator Errection ,LV/HV Cabling ,Building Low Current System , Building Electrical Works etc. We have a diverse client base.

Electro-Mechanical Works Management

Oracle

Applications engineer

Dec 2006 – Feb 2008 · 1 yr 2 mos

Worked on projects using VC++, MFC
Siebel Application: - During this period I had worked as an Applications Engineer in Oracle specializing in Siebel Applications , my task included enhancement of functionality for Fortune 100 clients in Siebel eConsumerGoods Apps. Also had the opportunity to attend Siebel Essential Course Work.
Being part of Sales Volume Planning Team introduced me to the finer nuances of Business Process in these organizations and the need for a highly developed,scalable app.
Last but not the least ,Opportunity to learn the Siebel Architecture and be with the Siebel Gurus .

Siebel ApplicationsVC++MFCSoftware Development

Wipro limited

Project Engineer

Jun 2005 – Dec 2006 · 1 yr 6 mos

Worked on numerous projects using VC++, MFC, Win32
For a Japanese client , we were involved in creating a automated tool for analyzing the arrangement of lenses to create minimum refraction,etc .
Norton System Works 2007:- This project involved reengineering a 2006 code to the new Symantec standards from scratch which included increased security features and tabbed UI feature.
This project introduced me to the brief knowledge of COM, ATI.Was completed in a period of 3-4 months.

VC++MFCWin32Software Development