Prakhar Singh

Product Manager

Varanasi, Uttar Pradesh, India3 yrs 8 mos experience

Highly StableAI Enabled

Key Highlights

Awarded for exceptional performance in UPI merchant acquiring.
Improved payment success rate by optimizing transaction processes.
Led initiatives driving significant digital transaction growth.

Stackforce AI infers this person is a Fintech Product Manager with expertise in digital banking and payment solutions.

Contact

Prakharsingh2327@gmail.com LinkedIn

Skills

Core Skills

Product ManagementProduct Lifecycle ManagementProject ManagementUser Experience (ux)Digital Banking

Other Skills

Interpersonal SkillsMicrosoft WordAPI optimizationOperational monitoringTransaction reliabilityLeadershipCommunicationFunnel analysisUX improvementsAgile Project ManagementAgile methodologiesSQL analysisTransactional QualityEcosystemBanking Services

About

Associate Product Manager with 4+ years of experience in fintech, digital banking, UPI, merchant acquiring, AEPS, Micro ATM, and payment operations. Proven expertise in product lifecycle management, API integrations, NPCI/RBI compliance, merchant onboarding, payment success optimization, risk monitoring, reconciliation, and customer journey enhancement. Experienced in managing high-volume payment ecosystems, improving transaction reliability, driving digital adoption, and collaborating with cross-functional teams to deliver scalable financial products.“Exceptional Performance 2022–23” award for contributions to UPI merchant acquiring and banking innovation. MBA in Marketing and IT & Operations from BIT Mesra.

Experience

3 yrs 8 mos

Total Experience

3 yrs 8 mos

Average Tenure

3 yrs 8 mos

Current Experience

Utkarsh small finance bank

Associate Product Manager – Acquiring PG, QR, AEPS & Micro ATM

Sep 2024 – Present · 1 yr 9 mos · Varanasi · On-site

. Owned product roadmap and operations for UPI, merchant acquiring, AEPS, and Micro ATM solutions handling 1M+ monthly transactions.
. Managed AEPS and Micro ATM product operations enabling seamless cash withdrawal, balance inquiry, and
assisted banking services.
. Improved payment success rate by 6–8% by identifying transaction failure points across bank, PSP, and network
layers.
. Collaborated with partner banks, merchants, and internal teams to improve reconciliation, settlement, and
transaction reliability.
. Reduced transaction latency by 15–20% through API optimization, retry mechanisms, and operational workflow
enhancements.
. Ensured NPCI/RBI compliance, operational monitoring, and 99.9% uptime across payment channels.
. Worked closely with field teams and merchants to improve adoption and transaction success rates across rural banking networks.
. Contributed to WhatsApp Banking growth initiatives, driving 25% MoM increase in digital transactions.
. Supported financial inclusion initiatives through scalable assisted banking and merchant-led payment ecosystems.

Interpersonal SkillsMicrosoft WordProduct ManagementProduct Lifecycle Management

Prayas financial services private limited

Project Manager

Jun 2024 – Aug 2024 · 2 mos · Gurugram · On-site

. Improved user onboarding conversion by 15% by redesigning KYC and verification journeys.
. Reduced user drop-offs by 20% through funnel analysis and UX improvements.
. Designed KYC/AML frameworks, reducing onboarding TAT by 30% while maintaining compliance.
. Defined and tracked product KPIs, improving decision-making with data-backed insights.

LeadershipCommunicationProject ManagementUser Experience (UX)

Prayas finance service pvt. ltd.

Product Manager

Jun 2024 – Aug 2024 · 2 mos

Improved user onboarding conversion by 15% through redesign of KYC and verification journeys. Reduced user drop-offs by 20% using funnel analysis and UX optimization. Designed KYC/AML frameworks reducing onboarding TAT by 30% while maintaining compliance. Defined and tracked product KPIs to support data-driven decision-making.

Utkarsh small finance bank

Assistant Product Manager - Digital Banking

Jun 2022 – May 2024 · 1 yr 11 mos · Varanasi · On-site

. Managed end-to-end lifecycle of UPI and digital banking products with 500K+ users.
. Launched UPI Lite in 10 days, improving low-value transaction success rate by 10%.
. Supported systems handling high daily transaction volumes (100K+/day).
. Improved user activation rate by 18% through onboarding and journey optimization.
. Built fraud detection and AML monitoring systems, reducing suspicious transactions by 25%.
. Conducted SQL-based analysis and cohort tracking to identify growth opportunities.
. Delivered multiple releases using Agile (sprint planning, backlog prioritization, retrospectives).

CommunicationAgile Project ManagementProduct ManagementDigital Banking