PAWNESH KACHROO

CEO

Gurugram, Haryana, India16 yrs 10 mos experience

AI ML PractitionerAI Enabled

Key Highlights

16+ years of experience in banking and fintech.
Led successful product initiatives for core banking modernization.
Expert in driving enterprise transformation through AI and hybrid cloud.

Stackforce AI infers this person is a Fintech Product Leader with expertise in application modernization and hybrid cloud solutions.

Contact

Skills

Core Skills

Application ModernizationHybrid CloudProduct ManagementLending SolutionsCredit Risk AssessmentCorporate Banking

Other Skills

Key Performance IndicatorsProduct MarketingData & AIBusiness AutomationMachine LearningUX/UI DesignTechnical ArchitectureBusiness StrategyCustomer SatisfactionCore BankingFinancial Risk ManagementBusiness Development SupportSales StrategyThought LeadershipArtificial Intelligence (AI)

About

As a Senior Product Leader at IBM, I drive enterprise transformation through application modernization on IBM Power, with a focus on hybrid cloud, automation, and AI. With 16+ years of experience across global banking and fintech, I’ve led strategic product initiatives that modernize core banking systems, enhance digital lending platforms, and accelerate innovation across commercial and corporate banking. I’m passionate about building ecosystems that unlock the full potential of mission-critical workloads and enable financial institutions to thrive in a rapidly evolving digital landscape. A Playing Captain having blend of product, business and tech skills with customer centricity and empathy at heart. Storyteller by nature; love to talk about products and technology. Managed cross-functional & geographically distributed team of Product Managers while driving a strong 200+ engineering squad to craft success stories and spell innovation.

Experience

16 yrs 10 mos

Total Experience

6 yrs 11 mos

Average Tenure

2 yrs 11 mos

Current Experience

Ibm

Senior Product Leader - Banking & Modernisation

Jun 2023 – Present · 2 yrs 11 mos · Delhi, India · Remote

Driving enterprise transformation by leading Application Modernization initiatives on IBM Power. I collaborate across product, engineering, and customer teams to deliver modernization strategies leveraging RHEL, OpenShift, and automation. Focused on enabling hybrid cloud adoption, accelerating innovation, and unlocking the full potential of mission-critical workloads.
Responsible for driving ecosystem on IBM Power family of Servers with thrust on Banking & Modernisation. Focusing on areas like Application Modernisation - Hybrid Cloud, Data & AI, Business Automation.

Key Performance IndicatorsProduct MarketingApplication ModernizationHybrid Cloud

Fis

Associate Director of Product Management - Lending Solutions

Sep 2013 – May 2023 · 9 yrs 8 mos · Pune/Pimpri-Chinchwad Area

Lead and Managed a team of Product Managers on two widely successful enterprise solutions - FIS Commercial Loan Origination Solution and FIS Credit Assessment (Optimist)
Managing front-led innovative multi-million-dollar product development, on budget / time and within quality – built products that helped increase market share of leading Banks
Lead Development of Mobile as well as Web Based Applications while laying keen interest and focus on UX / UI, Functional Design and Technical architecture.

Key Performance IndicatorsMachine LearningProduct ManagementLending Solutions

State bank of india

Asst. Vice President (Credit) - Corporate Banking

May 2009 – Aug 2013 · 4 yrs 3 mos · Greater Delhi Area

Appraisal and assessment of Credit proposals.
Credit Risk Assessment of different corporate accounts.
Presentation to internal committees for sanctions.
Appraisals of different limits (CC/EPC/FBP/LC/BG/SLC) , Projects appraisals, Project Export Funding, ECBs and Carbon Credit funding proposals.
Due-diligence and risk mitigation of new as well as existing corporate accounts.
Pre and Post Sanction follow up.
Quarterly Analysis of Stock statements and FFRs.
Preparation of Annual Accounts Plan and Budgeting with RM.
Liasioning of Bank Guarantees, L.Cs and other Credit Product as well as Client Services and Credit Operations
 Prepared an all-inclusive Market research study on “ Sector wise viability of SBI’s Credit Exposure for Mid Corporate Region, Delhi Circle” wherein also completed segmenting exercise of the market for SBI, MCG, New Delhi with well-defined attributes, which helped the sales team to prepare the advertisement and marketing strategies.

Business StrategyCustomer SatisfactionCredit Risk AssessmentCorporate Banking

Samsung electronics

Intern

Jan 2007 – Jan 2007 · 0 mo · New Delhi Area, India

Strategy and Marketing.
Market Analysis of GSM handsets in Modern Trade market for Samsung Mobiles. Presented to Country Head, Samsung Mobiles with actionable insights leading to key play to win strategies.