Haveela P. — Product Manager

Results-driven Product Manager with a strong background in Business Analysis, Product Strategy, and Data-driven Decision-making. Specializing in the intersection of Finance and Technology, I have successfully led the development and optimization of Digital Banking Platforms, with a focus on Payment Systems such as Bharat Bill Payments, FASTag, Credit Card Payments, and Mobile Recharge. I have also worked on IoT-based Products, bringing innovative solutions to market. My contributions to the development of Bill Payment Features on a Mobile Banking Application were formally recognized with a Certificate of Recognition for enhancing user experience, streamlining payment workflows, and driving product innovation. Passionate about optimizing processes, I leverage emerging technologies like Machine Learning, AI, and Blockchain to solve complex problems, optimize workflows, and deliver impactful solutions in both Fintech and Supply Chain Management. I focus on building long-term product strategy that drives business growth, operational efficiency, and customer satisfaction. I am always happy to connect with professionals passionate about Fintech, Technology, or Digital Banking. If you share similar interests or want to exchange ideas, feel free to reach out! Skills: Product Management Digital Payments & Banking Machine Learning Applications in Finance Blockchain & Web 3.0 Technologies Cross-Functional Team Collaboration Roadmap & Strategy Development Agile & Scrum Methodologies User-Centric Design & Optimization Data Analysis & Business Intelligence Market Research & Competitive Analysis Financial Modeling & Forecasting API Integration & Payment Gateway Development Stakeholder Management & Communication Process Optimization & Operational Efficiency Customer Journey Mapping & Experience Design

Stackforce AI infers this person is a Fintech Product Manager with a strong focus on digital payments and user experience optimization.

Location: Mumbai, Maharashtra, India

Experience: 3 yrs 7 mos

Skills

Product Management
Digital Payments & Banking

Career Highlights

Led successful digital banking projects generating significant revenue.
Expert in optimizing payment systems and user experiences.
Passionate about leveraging emerging technologies in finance.

Work Experience

ICICI Bank

Product Manager - Digital Channels (2 yrs 7 mos)

AOP

Digital content Analyst (1 yr)

Hindalco Industries Limited

Metallurgical Engineer (2 mos)

Indian Institute of Science (IISc)

Research Intern (1 mo)

Education

Bachelor of Technology - BTech at Indian Institute of Technology, Madras

MITx MicroMasters Program certificate at MITx Courses

Haveela P.

Product Manager

Mumbai, Maharashtra, India3 yrs 7 mos experience

Key Highlights

Led successful digital banking projects generating significant revenue.
Expert in optimizing payment systems and user experiences.
Passionate about leveraging emerging technologies in finance.

Stackforce AI infers this person is a Fintech Product Manager with a strong focus on digital payments and user experience optimization.

Contact

Skills

Core Skills

Product ManagementDigital Payments & Banking

Other Skills

API Integration & Payment Gateway DevelopmentAgile DevelopmentAgile MethodologiesBRSBusiness AnalysisBusiness Case PreparationBusiness DevelopmentBusiness InsightsBusiness KnowledgeBusiness PlanningBusiness RequirementsBusiness StrategyCommunicationConcept to LaunchCorporate Actions

About

Experience

3 yrs 7 mos

Total Experience

1 yr 9 mos

Average Tenure

Current Experience

Icici bank

Product Manager - Digital Channels

Mar 2022 – Oct 2024 · 2 yrs 7 mos · Mumbai, Maharashtra, India · On-site

.• Managed 7.5M+ monthly Bill pay & Recharge transactions, contributing to ICICI Bank's 15.7M+ BBPS volume and generating ₹120M+ (~$1.5M) in recurring revenue.
Launched “Fetch & Register a Bill” via BBPS API integrations, increasing biller onboarding by 3.2x and driving ₹45M+ in Q1 revenue.
Transitioned credit card payments from vendor-based rails to BBPS-native flows, improving success by 25% and enabling real-time confirmations.
Revamped recharge & FASTag journeys with fallback logic and backend resiliency, leading to 50% volume growth (from ~5M to 7.5M+ txns/month).
Used Dynatrace APM to identify bottlenecks and failures, reducing drop-offs by 65% and latency by 30%.
Leveraged Google Analytics to optimize user journeys, improving conversion rate by 28% and monthly volume by 35%.
Automated MDM and reconciliation workflows, reducing SLA from 48h to 8h and eliminating 100% of manual effort.
Shipped features like Auto Pay Retry, Pay & Register, Partial Payments, and Fetch Storage, driving ₹60M+ in new revenue and a 42% usage uplift.
Led API/SDK integrations with BillDesk, Nuclei, and Euronet, expanding capabilities and doubling engagement.
Designed scalable API/SDK frameworks (99.9% uptime), reducing partner integration time by 60% via reusable architecture.
Set performance targets and worked with engineering to ensure sub-2s latency under 1M+ concurrent sessions during peak billing cycles.
Ensured 100% RBI/NPCI compliance across bill pay and recharge flows, clearing audits with zero flags.
Drove alignment across 6 vendors and 4+ internal teams, ensuring >95% SLA adherence.
Collaborated with engineering to align Git-based versioning with CI/CD, cutting deployment time by 40%.
Analyzed 7.5M+ transactions/month and 1,000+ user feedback entries to guide roadmap and boost satisfaction by 20%.

Digital Payments & BankingAPI Integration & Payment Gateway DevelopmentData Analysis & Business IntelligenceStakeholder Management & CommunicationProcess Optimization & Operational EfficiencyProduct Management