Sep 2023 – Nov 2025 · 2 yrs 2 mos · Bengaluru, Karnataka, India · On-site

• Leading cross functional working group of engineers, data scientists, designers, operations experts , policy experts to ensure alignment, execution and launches.
• Maintain Product backlog and product roadmap. Own prioritization process of product solution based on business value and customer impact.
• Building alignment across product teams, business teams & leadership teams.
• Implemented experimentation strategies to optimize product features and safeguard Greenlight and its Customers from Transactional Fraud, Merchant Fraud, Unauthorised Transaction and Compromised cards.
• Define key performance metrics and establish robust instrumentation, enabling data-driven decision-making and iterative product improvements.
• Instrumental in keeping the Fraud losses at <5bps with keeping overall transaction decline due to Risk to < 0.2%
• Additionally owned key revenue generating products including Taxations on Subscription Plans, Plan Price Increase, New Subscription Plans introduction, Hardware Devices for Physical Safety for kids getting over $12Mn of ARR for the company.

Mar 2022 – Aug 2023 · 1 yr 5 mos · Bengaluru, Karnataka, India · On-site

• Product Manager for Fraud Risk, Customer Authentication, Identity Verification & Trust Products.
• Leading cross functional working group of engineers, data scientists, designers, operations experts , policy experts to ensure alignment, execution and launches.
• Maintain Product backlog and product roadmap. Own prioritization process of product solution based on business value and customer impact.
• Building alignment across product teams, business teams & leadership teams.
• Implemented experimentation strategies to optimize product features.
• Define key performance metrics and establish robust instrumentation, enabling data-driven decision-making and iterative product improvements.
• Fraud Risk Product: Led the ownership of building a Fraud Risk Product for different business verticals within CRED. Reduce fraud by almost 95% for the last 5 months
• Authentication: Led the ownership of building a authentication product to validate logins seen on the Customer’s account on CRED from a new device. Reduce bad actors gating into CRED by 60%
• Identity Verification: Led the ownership of building a product for users who are being onboarded into the CRED app. Used to additionally verify users depending on the Identity risk seen on a particular user. Reduced Identity Risk by 20%
• Trust Product: Led the ownership of building a couple of trust product – Activate Customers churned due to Fraud and in-app nudge module.
• o Identified a framework (Inform -> Investigate -> Action -> Retain) & Developed Customer Persona which formed the backbone of building the Product. Retain 20% of the Customers churned due to Fraud
• o Build a in-app nudge product which can be invoked at various stages within the Customer Lifecycle on the app (like onboarding, Transaction, Service request like Mobile number change, etc). Increase in Trust Score by 4%
• Tools used: Instrumentation - Mixpanel ; Documentations - Miro, Notion, JIRA, Confluence; Analytics & Dashboarding - Tableau

Oct 2019 – Feb 2022 · 2 yrs 4 mos · On-site

• Product Manager for Clari5 Enterprise Fraud Management, Clari5 Anti-Money Laundering, Clari5 AI/ML Platform, Clari5 Entity Link Analysis. Clari5 is a category leader in Chartis Risk Tech Quadrant for Fraud Risk and AML for 3 consecutive years.
• Own product road map & strategy, sprint planning, development, UAT Acceptance Sign-off and release, product positioning and GTM plans.
• Monitor market trends, competitor, market research and regulatory compliance guidelines.
• In-depth knowledge of retail banking & Payments application including core banking, online banking, SWIFT/Remittances, Payment Gateways, wallets, UPI Payments, loans and advances & account on-boarding, ISO8583, SWIFT.
• Excellent domain expertise in enterprise fraud risk management including insider fraud, payments fraud, online banking fraud, remittances fraud, AML – KYC/CDD, Sanctions/PEP screening, Transaction Monitoring, Case Investigation, Regulatory reporting: CTR/STR/SAR.
• Continuous Engagement with Engineering and Delivery teams for Product Development, Product Enhancements Rollout & Feedback.
• Developed un-supervised anomaly detection models using peer group clustering for Payment Fraud and Behavior Scoring.
• Professional consulting: Tune fraud detection models, optimize investigation costs – Achieved false positive reduction by up to 70%, detection rate
• by up to 40%
• Business Analysis activities including detailed requirement gathering, gap analysis, product customization & delivery (Handled over 15 large and
• medium scale banks in India, ME and US region), integrated with over 15 different source systems, projects went live within record 6-9 months.
• Client, Partner & Analyst interaction including CxO level meeting, presentation & product demos.
• Tools used: Pentaho (ETL), Jaspersoft (Enterprise Reporting), Axure RP(for wireframes), Pencil (for rapid prototyping), Rapid Miner(Machine Learning) and UiPath(RPA), Python (Programming language), SQL

Jun 2019 – Feb 2022 · 2 yrs 8 mos · On-site

• > Working with Top Banks across India, Middle East, SEA and Africa in helping them identify key issues in their Fraud Prevention and AML compliance strategies. (many of the large banks have been awarded with industry awards due to the various strategies implemented).
• Links: https://www.clari5.com/fino_payments_bank_wins_prestigious_celent_model_risk_manager_award_2021/
• https://www.clari5.com/mashreq_bank_and_clari5_win_ibsi_global_fintech_innovation_award/
• > Assisted them in developing clear, actionable roadmaps that align with their business objectives and regulatory requirements.
• > Led a team of high performance Functional and Technical Consultants and successfully developed and implemented cutting-edge Fraud Prevention strategies that saved millions for the clients.
• > Consulting practise generated additional revenue stream for the company of around $2mn within 1 year of inspection.

Oct 2017 – Sep 2019 · 1 yr 11 mos · On-site

Jan 2015 – Sep 2017 · 2 yrs 8 mos · On-site

Jun 2012 – Dec 2014 · 2 yrs 6 mos · Bangalore Urban, Karnataka, India

• Worked with some of the Major Banks, operating in different geographies across the globe in a direct customer facing role.
• Requirement Gathering, Eliciting, Analysis, Sign-off, Translating and Simplifying.
• Preparing documents including Business Requirement Document (BRD), Use Cases, User Manual (SOP), RFI, Traceability Matrix, Gap
• Analysis, Wireframes, etc. Knowledge of Unified Modelling Language (UML)
• Product owner for the Online Banking , Mobile Banking and Payment Wallet Application for one of the Top 5 US Banks.
• Awarded BU-Instant Karma: Walk of Fame is a premier league of Awards to recognize the significant contribution made to the Business Unit in the Q3 FY2014-15.

Jun 2007 – May 2010 · 2 yrs 11 mos · Bangalore Urban, Karnataka, India · On-site

• Working in the Accenture SAP Practice for rolling out SAP for various retail customers
• Working with Business Consultant on defining the technical scope and Solution approach for the business problem
• Played a major role in 7 successful implementation of SAP ERP for 4 different clients.
• Mentored ASE(Associate Software Engineers) and responsible for their training and work allocation.
• Awarded the ASE Achievers award for the outstanding performance in the organization; along with a cash prize of Rs. 30,000