Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
Ashwathi Nair

Ashwathi Nair

Senior Product Manager
Bengaluru

Summary

Dynamic Senior Product Manager and an aspiring leader with a proven track record of excelling in product management and stakeholder engagement. Spearheaded strategic outcomes in Retail Banking, leveraging analytics to drive decision-making. Expert in delivering customer-centric solutions while fostering high-performance teams, enhancing operational efficiency, and ensuring compliance across complex projects.

Overview

15
15
years of professional experience
2
2
Certifications

Work History

Senior Product Manager

Publicis Sapient
10.2023 - Current
  • Lead modernization of 100+ legacy banking journeys across payments, transactions and KYC servicing for a UK-based Bank, by decomposing them into React and microservices based components, enabling scalable, modular enhancements and future-ready architecture.
  • Designed and implemented a governance workflow for a leading global bank to facilitate end-to-end registration, approval tracking, and go-live readiness of 300+ AI models and 4K+ use-cases across Risk, legal, and Compliance functions.
  • Led the design and implementation of Benefits Finder journey for a UK-based bank, enabling customers to discover and apply for eligible UK government benefits via the banking platform through end-to-end API integration with an external vendor.
  • Embed data instrumentation across journeys and leverage Power BI & Tableau dashboards to drive decision-making through behavioral insights and system performance metrics.
  • Foster a high-performance culture focused on execution, continuous improvement, and measurable impact across payments, transactions and servicing journeys.

Product Manager

Reshamandi
07.2022 - 09.2023
  • Led end-to-end product management of Buy Now, Pay Later (BNPL) solution, driving business growth via flexible payment offerings.
  • Worked closely with external vendors, leading payment gateway integration and acting as the primary liaison for issue resolution between engineering and vendor support teams.
  • Drove in-house development of Loan Operating and Management System, aligning tech and product strategy for scalable BNPL operations.

Deputy General Manager

Fincare Small Finance Bank
01.2022 - 07.2022
  • Led the Process re-engineering team, hiring and onboarding a new team to drive Branch operations optimization.
  • Acted as a key liaison between technology teams and on-ground operations, ensuring smooth execution of process automation projects.
  • Regularly presented project updates and strategic impact assessments to senior leadership, including the CEO, enabling informed decision-making and prioritization.

Product Analyst

Western Union
02.2021 - 12.2021
  • Owned the end-to-end product journey for a global omni-channel payments solution, enabling digital transfers (web/ mobile) to be completed at 500K+ Retail Agent locations worldwide.
  • Collaborated with an external vendor to implement sn e-KYC based checkout journey for New Zealand customers, accelerating onboarding from 5-7 days to near-instant verification, resulting in a 10-15% uplift in transaction volume.
  • Drove alignment between internal platforms and Retail Agent systems, ensuring seamless handoff and processing across partner networks.
  • Conducted A/B testing and behavioral analytics using tools like Amplitude to validate product hypotheses and optimize user experience across markets.

Chief Manager

IDFC FIRST Bank
09.2015 - 01.2021
  • Led and managed a Retail Lending Product for the rural customers of the Bank.
  • Leveraged analytics to re-design onboarding workflows with early-stage eligibility checks, increasing sales and operations productivity and driving 20-30% rise in loan disbursement volumes annually.
  • Hired and mentored a team of 2 Business Analysts to convert business requirements into actionable plans, oversaw vendor engagement for timely, quality focused rollouts.
  • Launched a customer mobile app for rural customers, overseeing product design, backend infrastructure, and deployment across 3 million+ customers in India.
  • Partnered with senior leadership and marketing teams to align product outcomes with business objectives and ensure successful product positioning and adoption.
  • Scoped and onboarded vendors across product journey stages to improve scalability and customer experience, supporting continuous iteration post-launch.

Deputy Manager

ICICI Bank
03.2010 - 09.2015
  • Managed branch based customer servicing and compliant resolution, handling both cash and non-cash transactions while coordinating with central operations.
  • Transitioned to Retail Operations vertical, where I led the automation of Balanced Scorecard framework to evaluate performance of Zonal and Regional heads across key operational KPIs.
  • Partnered with leadership to define scorecard metrics for critical processes.
  • Spearheaded the setup of a new Analytics and Costing team for Retail Operations in Hyderabad - oversaw hiring, training, and functional structuring to enable data-driven decision-making.

Education

MBA -

Manipal University
04.2001 -

BBA -

Tilak Maharashtra University
04.2001 -

Skills

    Product management

    Analytics and Tracking

    Tools and Platform

    Technical Concepts

    Stakeholder management

Certification

Certified Scrum Master

Timeline

Senior Product Manager

Publicis Sapient
10.2023 - Current

Product Manager

Reshamandi
07.2022 - 09.2023

Deputy General Manager

Fincare Small Finance Bank
01.2022 - 07.2022

Scaled Agile Practioner

10-2021

Product Analyst

Western Union
02.2021 - 12.2021

Certified Scrum Master

07-2018

Chief Manager

IDFC FIRST Bank
09.2015 - 01.2021

Deputy Manager

ICICI Bank
03.2010 - 09.2015

MBA -

Manipal University
04.2001 -

BBA -

Tilak Maharashtra University
04.2001 -

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Ashwathi NairSenior Product Manager