Gaurav Nikumbh — Product Manager

Hi, I’m Gaurav - a Senior Product Manager owning and scaling payments and money movement platforms across ACH, UPI, Cards, Fraud, APIs, and digital banking systems. For 11+ years, I’ve worked in regulated, high-volume financial environments, building API-first payment platforms used by banks and FinTechs in production. My focus has been on designing systems that remain reliable under scale, resilient to failure, and compliant by design where retries, reconciliation, risk controls, and audits are part of daily reality. I currently operate with end-to-end ownership from problem framing and roadmap definition to execution, rollout, and measurable outcomes across complex payment flows. 💡 What I Work On build, modernize, and scale: • ACH & UPI payment rails • Card authorization, settlement & reconciliation • Fraud, risk & velocity-based controls • Ledgering and financial reconciliation systems • PCI-DSS & NACHA-compliant payment experiences • API-first digital banking and payments platforms 🚀 What I’ve DeliveredAcross regulated payments platforms, I’ve delivered outcomes such as: • +12% ACH success rate via intelligent retry logic and processor failover • –20% fraud incidents through real-time risk orchestration • +18% API integration success with versioned ACH and Bill Pay APIs • –30% bank onboarding time through workflow optimization • 10,000+ users on a 0→1 AI-powered product (TechVenture360) These results came from owning trade-offs, not optimizing for speed alone. 🧭 How I Think About Product I believe financial systems become powerful when they are simple to operate, reliable under stress, and trustworthy at scale for users, engineers, PMs, and compliance teams alike. That mindset drives my approach: • systems before features • failure modes before happy paths • accountability before automation 🏆 What I Bring to a Team • Full-lifecycle product ownership (Strategy → Roadmap → Execution → GTM) • Deep domain expertise in payments and money movement • Experience operating at Senior / Group PM scope across multi-product platforms • Strong cross-functional leadership with Engineering, Risk, Compliance, and Ops • KPI-driven, data-informed decision making • 0→1 product creation alongside scaled platform ownership 📩 Let’s ConnectIf you’re building or scaling payments platforms, digital banking systems, or regulated money-movement infrastructure, I’m always open to thoughtful conversations with product leaders operating at scale.My current focus is product strategy, execution, and accountability for payments platforms

Stackforce AI infers this person is a FinTech Product Manager with deep expertise in payments and digital banking systems.

Location: Pune, Maharashtra, India

Experience: 11 yrs 9 mos