Ruchika Pandey

Product Manager

Bengaluru, Karnataka, India6 yrs 4 mos experience

Highly Stable

Key Highlights

Expert in building fintech products and solutions.
Strong background in Agile project management.
Proven track record in operational excellence initiatives.

Stackforce AI infers this person is a Fintech Product Manager with expertise in Agile methodologies and operational excellence.

Contact

Skills

Core Skills

Product ManagementAgile Project ManagementBusiness InsightsForecastingBusiness PlanningCapacity PlanningChange Management

Other Skills

A/B TestingAnalytical SkillsBusiness Continuity PlanningBusiness KnowledgeBusiness Process ImprovementBusiness ResilienceCommunicationCritical ThinkingLeadershipMicrosoft ExcelMicrosoft PowerPointOperational Risk ManagementProblem SolvingProject ManagementPublic Speaking

About

What doesn’t kill you adds a line to your CV — and I’ve gathered a few through some trial, error, and caffeine in banking, fintech, and web3. I like chasing (and solving) problems that make me feel slightly out of my depth — it usually means I’m learning something new and useful. Currently building and scaling products at the intersection of money, technology and curiosity.

Experience

Onramp money

Product & Growth

May 2025 – Present · 10 mos · Bengaluru, Karnataka, India · On-site

Building India’s first payment solution that lets you spend stables like cash

Razorpay

Manager - Banking Product

Nov 2023 – Apr 2025 · 1 yr 5 mos · Bengaluru, Karnataka, India · On-site

Managed and scaled B2B banking products and partnerships across
1. Banking as a Service
2. Multi-Bank Routing
3. Payment on Behalf of
4. Account Validation Stack

Agile Project ManagementA/B TestingCommunicationProduct Management

Citi india

2 roles

Assistant Manager - Internal Tools

Promoted

Oct 2021 – Oct 2023 · 2 yrs · Mumbai, Maharashtra, India

Designed and launched internal tools to drive operational excellence, including:
1. Bespoke Process Tool – Enabled end-to-end visibility, governance and risk assessment of custom operational workflows.
2. Operational Capacity Planning Tool – Improved demand forecasting, workload management, and digitization efforts across trade products

Agile Project ManagementForecastingBusiness InsightsBusiness KnowledgeA/B TestingCommunication+8

Management Analyst

Aug 2020 – Sep 2021 · 1 yr 1 mo · Mumbai, Maharashtra, India

Trade & Treasury Solutions: Risk & Controls

Agile Project ManagementBusiness InsightsBusiness Process ImprovementCommunicationBusiness Continuity PlanningBusiness Planning+4

Citi

Prometheus Leadership Development Program

Aug 2021 – May 2022 · 9 mos · Mumbai, Maharashtra, India

Selected to be a part of the 2021/22 cohort of Prometheus, a global talent initiative of Citi. The program identifies, develops and sponsors women for career advancement and future leadership positions.
Project: – To design and develop Policy and Governance Framework for Capacity Management across Citi Software Development Lifecycle

CommunicationCapacity PlanningChange ManagementBusiness Resilience