Sourabh R. Shukla — Product Manager

💼 Platform Product Leader | Digital Banking | Real-Time Payments | Digital KYC | Digital Lending | Account Aggregator | Aadhaar Ecosystem | BFSI Innovation & Transformation | Regulatory Compliance Sourabh is a seasoned expert in digital payments and transformation with 15 years of experience in banking, payments, and the fintech industry. He has worked across diverse, cross-functional verticals such as Program Management, Product & Operations Management, and Business & Technology Solutions, making significant contributions in achieving various organizational goals. He is now actively seeking a leadership role to drive growth, transformation, and ecosystem leadership within a visionary financial institution. ✅ Led development of India’s real-time payments platforms (IMPS, AePS) impacting millions of users ✅ Built Protean SurakshAA Account Aggregator enabling secure financial data sharing under RBI’s AA framework ✅ Successfully launched Aadhaar-based Digital KYC, e-KYC, e-Sign, ADV & UIDAI Auth solutions ✅ Created scalable Reconciliation, Dispute, CKYCRR & Settlement Systems for banking and payments ✅ Delivered ₹50 Cr annualized revenue impact and rapid partner onboarding across platforms ✅ Recipient of multiple awards (HDFC Silver Star, Kotak Innovation Star, NPCI IMPS recognition) My expertise includes managing large scale digital payments, transformation, and lending ecosystems; financial inclusion solutions; and regulatory compliance for RBI, SEBI, IRDAI, PFRDA, CERSAI, UIDAI, and DPDP. I am passionate about leveraging technology to simplify finance, drive ecosystem adoption, and build trusted digital financial experiences. 🔗 Let’s connect to explore collaboration in building the future of banking, fintech and payments infrastructure.

Stackforce AI infers this person is a Fintech expert specializing in digital payments and regulatory compliance.

Location: Mumbai, Maharashtra, India

Experience: 13 yrs 5 mos

Skills

Product Management
Digital Payments
Digital Lending
Payments Management
Product Development
Financial Operations
Operations Management

Career Highlights

Led India's real-time payments platforms impacting millions.
Built Protean SurakshAA for secure financial data sharing.
Recipient of multiple industry innovation awards.

Work Experience

Protean eGov Technologies Ltd. (Formerly NSDL e-Governance Infrastructure Ltd.)

Senior Product Manager (3 yrs 8 mos)

HDFC Bank

Senior Product Manager (1 yr 2 mos)

InterMiles (Jet Privilege Pvt. Ltd)

Manager – Implementation, Payments and Operations (11 mos)

Kotak Mahindra Bank

Manager - Business Solutions (3 yrs 2 mos)

PayU Payments Private Limited

Manager - Finance (10 mos)

National Payments Corporation of India

Assistant Manager - Online Operations (3 yrs 8 mos)

Education

Master of Business Administration (MBA) at ITM University Mumbai

Master's degree at University of Mumbai

Bachelor of Commerce (B.Com.) at University of Mumbai

Sourabh R. Shukla

Product Manager

Mumbai, Maharashtra, India13 yrs 5 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Led India's real-time payments platforms impacting millions.
Built Protean SurakshAA for secure financial data sharing.
Recipient of multiple industry innovation awards.

Stackforce AI infers this person is a Fintech expert specializing in digital payments and regulatory compliance.

Contact

Skills

Core Skills

Product ManagementDigital PaymentsDigital LendingPayments ManagementProduct DevelopmentFinancial OperationsOperations Management

Other Skills

API BankingAccount AggregatorAgile MethodologiesBRDBusiness AnalysisBusiness CaseBusiness Impact AnalysisBusiness Process Re-engineeringBusiness Relationship ManagementBusiness SolutionCSPOCard Issuer IntegrationCardsChargebackClearing

About

Experience

13 yrs 5 mos

Total Experience

2 yrs 2 mos

Average Tenure

3 yrs 8 mos

Current Experience

Protean egov technologies ltd. (formerly nsdl e-governance infrastructure ltd.)

Senior Product Manager

Oct 2022 – Present · 3 yrs 8 mos · Mumbai, Maharashtra, India · On-site

o Lead for building “Protean SurakshAA” Account Aggregator Platform which includes:
o AA Consent Manager: Designed and deployed secure interfaces for customer consent capture.
o FIU & FIP Gateway: Developed real time, secure data sharing interfaces for financial institutions.
o Developed and productized CERSAI CKYCRR solution, delivering scalable regulatory reporting.
o Working on Digital KYC Stack with RBI Fintech Dept. to optimise cost and time of customer onboarding.
o Managing cross-functional stakeholders i.e. engineering, design, marketing, sales, finance and operations to align product goals and ensure successful product GTM.
o Successfully launched Sub AUA / KUA Aadhaar usage model for regulated entities

Account AggregatorDigital KYCRegulatory ComplianceProduct ManagementStakeholder ManagementDigital Payments

Hdfc bank

Senior Product Manager

Jul 2021 – Sep 2022 · 1 yr 2 mos · Mumbai, Maharashtra, India

o Led UIDAI Aadhaar Governance, Risk, and Compliance projects for B2B & B2C channels.
o Enabled end-to-end digital lending and disbursement for GSP loans using digital acquisition platform.
o Monitored AePS metrics and executed regular analyses to improve functionality and maximize efficiency.
o Translated product strategy and user needs into clear actionable user stories with acceptance criteria.

Digital LendingRisk and ComplianceProduct StrategyUser StoriesProduct Management

Intermiles (jet privilege pvt. ltd)

Manager – Implementation, Payments and Operations

Jul 2020 – Jun 2021 · 11 mos · Mumbai, Maharashtra, India

o Managed Co-brand InterPay Prepaid Card Issuer integration with TSP, Bank, Network and Card Bureau.
o Lead for financial services, Co-brand Credit & Prepaid Card and loyalty program operations.

Card Issuer IntegrationFinancial ServicesLoyalty Program OperationsPayments ManagementProduct Management

Kotak mahindra bank

Manager - Business Solutions

Apr 2017 – Jun 2020 · 3 yrs 2 mos · Mumbai, Maharashtra, India

o An Individual contributor for developing and customizing UIDAI Aadhaar Platform and API Banking.
o Launched complete suite of Aadhaar integrated digital financial products including:
o AePS Platform: Aadhaar enabled financial services for B2C / B2B transactions.
o Aadhaar Data Vault: UIDAI mandate for secure storage of Aadhaar with encrypted access.
o Digital KYC (Online, Offline, Video): Enabled central KYC platform for Digital Acquisition Channel.
o API Ecosystem: Built financial API using for accessing Statement, Balance, UPI Push / Pull on TTP
o Managed product lifecycle from concept idea to launch, ensuring quality, timeliness, & budget adherence.
o Skilled in impact analysis, project planning, and translating requirements into business language.
o Delivered 20% market share gain and 15% revenue growth by aligning digital roadmap to growth strategy.

UIDAI Aadhaar PlatformAPI BankingDigital Financial ProductsProduct DevelopmentDigital Payments

Payu payments private limited

Manager - Finance

Jan 2016 – Nov 2016 · 10 mos · Gurugram, Haryana, India

o Managed FinOps Team for PG reconciliation and Merchant settlement for PoS & e-Com transactions.
o Automated reconciliation tools, reducing revenue leakages and errors worth Rs. 25 lakhs.
o Supported product team in pricing models and revenue assurance mechanisms.

ReconciliationMerchant SettlementRevenue AssuranceFinancial OperationsPayments Management

National payments corporation of india

Assistant Manager - Online Operations

Mar 2012 – Nov 2015 · 3 yrs 8 mos · Mumbai, Maharashtra, India

o Worked on state of the art multilateral Reconciliation, Settlement and Clearing system for banks.
o Implemented dispute management process for products like ATM, IMPS, UPI & AePS.
o Build landscape RGCS - RuPay Global Clearing System for digital payments using RuPay Card.
o Gap analysis and Incident Management for newly launched application for banks.
o Conducted UAT and collaborated with QA teams to ensure product quality and adherence.
o Developed product documentation, success metrics, and partner revenue models.

ReconciliationDispute ManagementIncident ManagementOperations ManagementPayments Management