Kartik Narayana

Product Manager

Hyderabad, Telangana, India4 yrs experience

Key Highlights

Led industry-first Digital Rupee MVP development.
Achieved 90% reduction in payment fraud.
Recognized by CEO for Digital Rupee adoption campaign.

Stackforce AI infers this person is a Fintech Product Manager with strong consulting experience in infrastructure development.

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Skills

Core Skills

Product ManagementPaymentsCustomer Experience ManagementUser Experience (ux)Consulting

Other Skills

API flowsAccountingAutoCADBloomberg TerminalBuilding Information Modeling (BIM)CleverTapCompetitive AnalysisConstruction Project ManagementData AnalysisDynamoExcel MacrosFigmaFirebaseGovernment Policy AnalysisLean Construction

About

Kartik is currently working as a Product Manager at Kotak Mahindra Bank, where he owns Payment’s module of Mobile Banking; specifically, UPI and Digital Rupee (CBDC). He has pursued MBA degree from IIM Kozhikode and under graduation degree from IIT Madras. Previously, Kartik worked as a consultant at PwC, where he was engaged with Government and regional development bank clients, consulting them on regional tourism and industrial development. Kartik is a curious and creative individual who strives to learn constantly. He loves to travel and photograph landscapes.

Experience

4 yrs

Total Experience

2 yrs

Average Tenure

Current Experience

Kotak mahindra bank

Product Manager - Payments

Nov 2022 – Oct 2025 · 2 yrs 11 mos · Hyderabad, Telangana, India

Formulated product roadmap of Digital Rupee, partnering with RBI, NPCI & internal risk, compliance teams for the market-wide launch
Spearheaded end-to-end development of Digital Rupee MVP on Kotak mobile platform - an industry-first solution, improved user adoption & security, designed wireframes, API flows, and delivery roadmap
Reduced payment frauds by 90% by implementing 10+ onboarding checks, transaction monitoring & limits
Streamlined customer complaint handling process through integration with Salesforce, with improvement in resolution TAT by 70%
Designed 7 payment journey funnels on CleverTap to diagnose user drop-offs & response lags, improving user conversion by 15%
Launched advance salary credit feature in partnership with the payroll team, improving adoption and engagement among employees in 3 months
Built dashboards (SQL + Excel Macros) to track adoption & engagement KPIs, saving 40+ hours/week for product & analytics teams
Increased user engagement by enabling UPI biometric payments, Wallet Autoload feature, and improved Scan & Pay user journey
Recognized by Kotak CEO and RBI for leading Digital Rupee adoption campaign, resulting in 4X increase in transaction volume

Product Road MappingUser Experience (UX)WireframingSQLProblem SolvingCleverTap+3

Pirimid fintech

Business Analyst Intern

Dec 2021 – Mar 2022 · 3 mos

Icici bank

Intern - Global Clients Group

Apr 2021 – Jun 2021 · 2 mos

Pricewaterhousecoopers advisory, capital projects & infrastructure

Associate Consultant

Jul 2019 – Aug 2020 · 1 yr 1 mo · Hyderabad Area, India

Government Reforms and Infrastructure Development (GRID)
Provided short & long-term solutions requiring USD 24 bn investments for Northeast industrial & logistics infrastructure development
Interviewed 50+ stakeholders, analyzed 10+ manufacturing & trade metrics to identify 7 focus sectors for Northeast development
Identified bottlenecks for Northeast cement, rubber & tourism sectors by analyzing value chain, pricing, distribution, and govt policies
Evaluated trade opportunities available in Northeast India, across the 12 countries, using trade growth and industrial output metrics
Developed a standard framework to strategize tourism growth, by focusing on infrastructure, product usage, and govt regulations

Stakeholder InterviewsData AnalysisGovernment Policy AnalysisConsulting