Balchandra Kemkar

Product Manager

Pune, Maharashtra, India20 yrs 8 mos experience
AI Enabled

Key Highlights

  • Over 20 years in product management and fintech.
  • Expert in digital banking transformation and open banking.
  • Passionate mentor and thought leader in the industry.
Stackforce AI infers this person is a Fintech Product Management expert with a focus on digital banking innovation.

Contact

Skills

Core Skills

Product ManagementLeadershipStrategic Roadmaps

Other Skills

ManagementProduct StrategyMentoringPricing StrategyAI AgentsAnalyticsWireframingPrototypingWorkload PrioritizationTechnology RoadmappingMarket ResearchBusiness ConsultingProduct DevelopmentCustomer EngagementPre-sales

About

With more than two decades of industry experience, I'm deeply passionate about product management and driving innovation in the digital banking and fintech space. Throughout my career, I've been dedicated to shaping customer-centric solutions and fostering digital transformation. My journey in product management has seen me spearheading initiatives in digital banking transformation and open banking strategies. I've led teams in developing cutting-edge digital products, including digital wallets, mobile banking, and online banking solutions, always prioritizing user experience and product evolution. In addition to my hands-on experience, I'm a firm believer in the power of knowledge sharing and thought leadership. I actively contribute to industry discussions and thought leadership forums, aiming to empower others with insights and best practices. Whether it's through speaking engagements, writing articles, or mentoring aspiring product managers, I'm committed to fostering a culture of continuous learning and innovation. Specializing in: - Product Management Excellence - Retail and Corporate Banking - Open Banking Strategies - GenAI - Digital Banking Innovation - Fintechs - Customer-Centric UX Design I'm driven by a desire to inspire and empower others in the industry, and I'm always eager to connect with like-minded professionals who share my passion for driving digital transformation. Let's collaborate to shape the future of banking and drive innovation forward.

Experience

Indian institute of management bangalore

Industry Mentor (Honorary)

Jan 2026Present · 2 mos

  • Mentoring IIMB students in Product Management by sharing real‑world industry insights and practical frameworks.

Finastra

Product Management Lead - Corporate Digital Experience

Apr 2025Present · 11 mos · Pune District, Maharashtra, India

  • As Lead Product Manager for Finastra Corporate Channels, I drive the vision, strategy, and roadmap for digital banking solutions serving corporate and institutional clients globally.
  • This role is focused on innovation, scalability, and market leadership
Product ManagementLeadershipManagementProduct StrategyMentoringPricing Strategy+1

Oracle financial services software limited

Principal Product Manager - Open Banking & Digital Experience

Jun 2022Apr 2025 · 2 yrs 10 mos · Pune District, Maharashtra, India

  • I led the development and execution of the product roadmap and strategy, focusing on Retail, SMB, and Corporate Originations, GenAI-based customer insights, Open Banking, and Embedded Finance.
  • My role involved crafting detailed requirements that ensured our product was at the forefront of industry regulations and market demands. I conducted market research and competitor analysis to keep our offerings competitive and relevant. Collaborating closely with the development team, I ensured the delivery of high-quality solutions that met our clients' needs.
  • I regularly engaged with stakeholders through demos and presentations, providing them with a clear understanding of our product’s capabilities and future direction. Additionally, I facilitated client sessions to gather feedback and align our product with customer expectations. Working in tandem with strategy and marketing teams, I helped position the product as a leading solution in the digital banking space.
Product ManagementStrategic RoadmapsAnalyticsWireframingPrototypingWorkload Prioritization+1

Infosys finacle

Senior Product Manager - Digital Engagement & Open Banking

Apr 2016Jun 2022 · 6 yrs 2 mos · Pune Area, India

  • Finacle Digital Suite includes Digital Wallet, Mobile Banking and Online Banking. Wallet solution can be used by Banks, Telcos and Retail chains. Mobile and Online banking solutions are channel offerings designed for banks.
  • Responsibilities:
  • Product Strategy and Roadmap: Creating the overall strategy and feature roadmap for digital products based on market requirements and broad organizational direction.
  • Product management: Managing entire product life cycle from strategic planning to tactical activities in an agile environment.
  • UX Design: Working closely with UX team to provide functional inputs and ensuring application of key UX principles.
  • Product training & communication: Training various teams (pre-sales, sales, marketing, implementation) on product features and benefits. Communicating with various internal and external stakeholders on product features and timelines.
  • Thought Leadership: Writing Thought Papers and Point of Views on latest industry and technology trends and to detail out how these can be incorporated in the product.
Product ManagementStrategic RoadmapsAnalyticsWireframingPrototypingWorkload Prioritization+1

Jio

Product Manager - Jio Payment Solutions

Jun 2013Apr 2016 · 2 yrs 10 mos · Mumbai

  • Managed Product, Business Planning & Strategic Partnerships for Reliance Jio's Payments app and platform Jio Money.
  • Responsibilities included:
  • UI / UX for Consumer Wallet and Merchant mPOS solution
  • Product Analysis for Android and iPhone Application
  • Research / Prepare Use Cases, User Stories, defining process flows, and communicating business requirements to developers for the payment products
  • Prepare GTM plan {Identify Pre Launch, Launch & Post launch activities}
  • Designing the open loop and closed loops flows for payments
  • Handling proximity and non-proximity payments like MSR, NFC, QR code, Bar Code & LBS {Location Based search} payments at Merchant base
  • Planning Bill Payments, Checkout {Web & Mobile}, Mobile Prepaid instruments, Mobile Money, m / e Wallet & P2P transfer solutions
  • Pricing Model for the business
Product ManagementStrategic RoadmapsAnalyticsWireframingPrototypingWorkload Prioritization+1

Icici bank

Product Manager - Privilege Banking Portfolio

May 2012May 2013 · 1 yr · Mumbai Metropolitan Region

  • Product Manager for the Privilege Banking Products of the ICICI Bank. Products included Mobile banking app, Savings Accounts and Credit Cards.
  • Owner of the Product in terms of New Product Development, Market penetration and Revenue generation.
  • Owned the strategic direction as well as the tactical activities for the products.
  • I also worked on New Pilot Projects to test the feasibility and customer response for new Product Ideas.
Product ManagementStrategic RoadmapsAnalyticsPrototypingWorkload Prioritization

Cadence design systems

Senior Member of Technical Staff

Oct 2006May 2011 · 4 yrs 7 mos · Noida, Uttar Pradesh, India

  • Member of the R&D team for IP-XACT solutions.
  • Managed end-to-end delivery from Strategic Planning to Tactical Activities for Cadence System-On-Chip-Integration product line
  • Designed the core engine for two of the major products of the Cadence Verification product line
Workload Prioritization

Quark software inc.

Software Developer

Jul 2004Oct 2006 · 2 yrs 3 mos · Mohali district, India

  • Designing and Developing new features of a legacy Product Quark XPress

Education

XLRI Jamshedpur

Master of Business Administration (MBA)

Rajiv Gandhi Prodyogiki Vishwavidyalaya

B.E. — Information Technology

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