Shreenivas Joshi

Product Manager

Mumbai, India26 yrs 5 mos experience

Key Highlights

  • Led product teams achieving 3x revenue growth.
  • Pioneered innovative credit solutions in Indonesia.
  • Built partnerships enhancing customer retention by 25%.
Stackforce AI infers this person is a Fintech Product Executive with extensive experience in payments and digital lending.

Contact

LinkedIn

Skills

Core Skills

Product StrategyFintech Product ManagementInsurtech ManagementProduct ManagementFintech StrategyPayments StrategyFintech Management

Other Skills

Data-led Product OptimizationVendor NegotiationRevenue GrowthUser Base ExpansionPaymentsPartnership DevelopmentCustomer RetentionData-driven GrowthProduct Portfolio ManagementInsurance SolutionsMarket ExpansionUser AcquisitionCrypto Exchange ManagementPayments ManagementTransaction Success Improvement

About

With over 27 years in global product management, I’ve built and scaled FinTech products that redefine how people pay, borrow, and insure across APAC, the U.S., and Europe. My leadership philosophy is simple: combine data-driven strategy with human-centered design to deliver growth at scale. That approach has helped organizations like PayPal, PayU, OVO/Grab, and JULO achieve transformative outcomes. At JULO, I led a 30+ member product organization, steering a 3× revenue increase while cutting loss rates by 10%. We pioneered Indonesia’s first disbursement-time guarantee and QRIS credit payments, bringing innovative credit solutions to millions. At OVO/Grab, I built the product vision and roadmap for Insurance and Investments - forging partnerships that expanded customer reach and improved retention across Southeast Asia. Earlier, at PayPal, I shaped global payment infrastructure across APAC and Europe, launching multi-currency wire withdrawals and driving millions in annual efficiency gains through product innovation and partnership strategy. Colleagues describe me as a strategic, decisive, and people-first leader equally comfortable with boardroom vision and product execution. I thrive on building high-performance teams and transforming complex financial ecosystems into seamless, scalable products that deliver measurable business impact. If you’re seeking a FinTech Product Executive who can connect innovation with commercial results and lead global teams to deliver both, then let’s connect.

Experience

26 yrs 5 mos
Total Experience
2 yrs 2 mos
Average Tenure
--
Current Experience

Amar bank

Senior Product Consultant (Contract)

Jul 2025 – Oct 2025 · 3 mos · Jakarta Metropolitan Area · On-site

Julo

Senior Vice President Product Management

May 2023 – Apr 2025 · 1 yr 11 mos · Jakarta, Indonesia · On-site

  • Scaled product org of 30+ PMs, designers & researchers, aligning product vision across lending, payments & credit.
  • Drove 3× revenue growth and 10% loss-rate reduction through data-led product optimization.
  • Launched QRIS Credit Payments and Disbursement Time Guarantee, expanding the user base by 40%.
  • Introduced Gadget Insurance, boosting retention and financial inclusion.
  • Negotiated vendor contracts, saving 2B+ IDR/month, strengthening margins.
  • Led org transformation improving collaboration, efficiency & product velocity.
Product ManagementData-led Product OptimizationVendor NegotiationRevenue GrowthUser Base ExpansionProduct Strategy+1

Ovo (pt visionet internasional)

VP of Products

Mar 2021 – Mar 2023 · 2 yrs · Jakarta, Indonesia

  • Directed 15 PMs across Payments, Insurance & Investments for Indonesia’s largest wallet platform.
  • Defined and executed FinTech strategy for insurance and investment verticals.
  • Built partnerships with insurers & brokers, improving customer retention by 25%.
  • Championed data-driven growth, achieving double-digit adoption increases.
  • Unified OVO and Grab’s product roadmaps to accelerate ecosystem innovation.
FinTech StrategyPartnership DevelopmentCustomer RetentionData-driven GrowthProduct StrategyFinTech Product Management

Qoala

Head of Products

Nov 2019 – Mar 2021 · 1 yr 4 mos · Jakarta Metropolitan Area

  • Scaled product portfolio 500% during the pandemic, leading 8+ PMs across 3 distribution channels.
  • Expanded operations into 5 SEA countries with localized insurance offerings.
  • Launched Offline Gadget Insurance, becoming a top-performing revenue driver.
  • Built resilient InsurTech stack integrating B2B2C, D2C & agent-led channels.
Product Portfolio ManagementInsurance SolutionsMarket ExpansionProduct StrategyInsurTech Management

Block shrinkhala technologies llp

Chief Product Officer

Feb 2019 – Aug 2019 · 6 mos · Mumbai Metropolitan Region

  • Led product, engineering & UX teams for a crypto exchange with 400K+ DAUs.
  • Launched a new Australian exchange, driving rapid user acquisition.
  • Built the company’s first product strategy & roadmap, boosting conversion funnel performance.
Product StrategyUser AcquisitionCrypto Exchange ManagementProduct ManagementFinTech Strategy

Payu

Head Of Products Enterprise Business

Jun 2017 – Jan 2019 · 1 yr 7 mos · Gurgaon, India

  • Managed 12 PMs handling payments for India’s top merchants.
  • Improved transaction success rates to industry-leading levels.
  • Integrated UPI, IMPS & new payment methods, increasing adoption 30%+ YoY.
  • Partnered with major banks & merchants to co-develop scalable payment solutions.
Payments ManagementTransaction Success ImprovementPayment Method IntegrationPayments StrategyFinTech Management

Paypal

2 roles

Head - APAC Bank Transfer Products

Promoted

Apr 2015 – Jun 2017 · 2 yrs 2 mos

  • Oversaw APAC bank payment products handling billions in annual volume.
  • Launched multi-currency wire withdrawals for global merchants.
  • Reduced latency by 20% and delivered multi-million annual cost savings.
  • Led cross-border product expansion & risk optimization initiatives.
Bank Payment ProductsCross-Border ExpansionCost ReductionPayments StrategyFinTech Management

Senior Product Manager - Global Core Payments

Aug 2012 – Mar 2015 · 2 yrs 7 mos

  • Drove SEPA migration across 20+ European countries, modernizing Euro payments.
  • Launched American Express integration for Australian users.
  • Strengthened cross-border payment flows for merchants & consumers.
SEPA MigrationCross-Border Payment FlowsPayments StrategyFinTech Management

Ebay

Sr. Product Manager - Global Payments

Dec 2010 – Aug 2012 · 1 yr 8 mos · San Francisco Bay Area

  • Co-led eBay’s Payment Intermediation Program, improving buyer–seller trust.
  • Delivered Virtual Account Matching (99.95% accuracy) across transactions.
  • Coordinated with 50+ PMs and 200+ engineers on payments platform revamp.
Payment IntermediationTransaction AccuracyPayments StrategyFinTech Management

Bankserv

2 roles

Product Development Manager

Promoted

Feb 2008 – Dec 2010 · 2 yrs 10 mos · San Francisco Bay Area

  • Built Remote Deposit & Multifactor Authentication solutions for U.S. banks.
  • Managed product roadmap, stakeholder alignment & feature prioritization.
  • Drove adoption of payment security tools across financial institutions
Remote Deposit SolutionsPayment SecurityPayments StrategyFinTech Management

Sr. Software Engineer

Oct 2003 – Jan 2008 · 4 yrs 3 mos · San Francisco Bay Area

Reuters america inc.

Integration Engineer

Feb 2001 – Apr 2003 · 2 yrs 2 mos · San Francisco Bay Area

Waltech inc

Software Engineer

Nov 1999 – Jan 2001 · 1 yr 2 mos · Greater Boston Area, San Francisco Bay Area

Cmc limited

Integration Engineer

Sep 1997 – Sep 1999 · 2 yrs · Mumbai Metropolitan Region

Education

University of Mumbai(Bombay)

B.E. — Computer Science

Jun 1993 – Jun 1997

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