Dhiraj Sharma
Summary
Results-driven Product Leader with 13+ years of global experience developing API-first, AI-enabled solutions for fintech, banking, and payments sectors. Proven track record of leading high-impact initiatives across the end-to-end merchant lifecycle, simplifying onboarding and maximizing long-term engagement through data-driven experimentation and a rigorous focus on user experience. Adept at collaborating with cross-functional teams and harnessing insights from analytics tools to inform strategy and deliver scalable, compliant solutions. Expert in managing complex financial projects, driving operational efficiency, and fostering business growth through risk management and financial analysis. Recognized for an empathetic, first-principles approach to problem-solving and a passion for building impactful products that deliver measurable results
Overview
13
13
years of professional experience
4
4
Certification
Work History
AVP Product Strategy & Solutions
Pay10
10.2024 - 03.2025
- Company Overview: Pay10 is a technology-driven payment solutions provider focused on enhancing the payment experience for merchants and consumers alike.
- Spearheaded PACB (cross-border payments) API-first platform launch ahead of schedule, leading to 20% increase in international merchant onboarding and 30% reduction in processing time.
- Designed AI-enabled affordability suite (EMI, BNPL, Flexi Pay) resulting in 22% GMV uplift for e-commerce verticals.
- Led hypothesis-driven experiments that enhanced onboarding completion rate and checkout conversion by 35%.
- Built recurring payment flows (eMandates & SI) automating 85% of operations and reducing churn by 18%.
- Enabled merchant lifecycle flows with real-time reconciliation in partnership with SBI, Yes Bank, and others.
Principal Product Manager
Dayforce
07.2023 - 09.2024
- Company Overview: Dayforce HCM is an American provider of human resources software and services with employees in the USA, Canada, Europe, Australia and Mauritius. It is a publicly traded company on the New York Stock Exchange.
- Drove 30% increase in product adoption across APJ through scalable backend solutions and workflow optimization.
- Developed agile onboarding workflows reducing merchant setup time by 70%.
- Championed experimentation and A/B testing for user flows, increasing activation rate and satisfaction.
- Led cross-functional ops and support teams for post-sale experience, improving retention KPIs.
- Ensured compliance alignment and control across core workflows.
Digital Product Manager
Tata Consultancy Services
07.2021 - 07.2023
- Company Overview: TCS global leaders in IT services, digital, and business solutions, with over 500,000 of the world’s best-trained consultants in 46 countries generating US $22.2 billion of revenues in the fiscal year ended March 31, 2021
- Partnered with design, engineering, and compliance teams to build seamless banking workflows.
- Delivered improved UX and feature consistency via agile delivery across multi-country implementations.
- Supported product release cycles, prioritized backlogs, and aligned business units for market readiness.
Product Manager Strategy
Paymentus
11.2016 - 04.2021
- Led the transformation of digital payments across AWS, Azure, and GCP platforms, contributing to 15% YoY revenue growth and improved system-wide performance.
- Championed the launch of Digital Wallet solutions, accelerating adoption in emerging markets and aligning products with evolving customer needs.
- Defined GTM strategies and operational playbooks to drive merchant adoption growing portfolio share from 3% to 17% in 2020 by improving login flows, enhancing engagement, and optimizing onboarding journeys.
- Launched Paxbot, an AI-powered chatbot for B2C bill pay support, solving user queries in real-time—adding $1M in incremental revenue and improving CSAT scores.
- Acted as the voice of the customer, collecting insights to prioritize features, manage customizations, and ensure timely, high-quality product delivery across web and mobile.
- Directed a 6-member global team of engineers and designers to deliver merchant-focused innovations; mentored staff on product strategy and career growth.
- Led technical solutioning for enterprise deals, partnering with sales and marketing to expand market share and guide long-term product direction.
- Boosted engagement and traffic by enhancing page performance by 70%, using tools like Grafana to drive decision-making.
- Increased post-signup add-on revenue by 19%, tailoring product packaging and pricing based on behavioral analytics and customer segmentation.
- Owned product vision and roadmap, aligning cross-functional efforts and using risk-mitigation strategies to ensure timely delivery of high-priority initiatives.
Senior Business Consultant
Kellton Tech Solutions Ltd
01.2016 - 11.2016
- Company Overview: Kellton tech is listed on India’s largest stock exchange BSE and NSE and is ISO 9001:2015 and CMMI level 5 certified. We provide unique it solutions to companies across the globe leaders in different dominion ranging from retail, to BFSI industry.
- Improved customer journeys by applying human-centered design and prototyping techniques.
- Coordinated with vendors and cross-functional teams to ensure timely value delivery across multiple workflows.
Consultant
Petro IT Ltd
07.2014 - 12.2015
- Delivered 40% growth in product revenue through operational enhancements and new feature rollouts.
- Improved activation and onboarding by 200% via analytics-based process improvements.
Education
General Management (SMP) - Business Management
Indian Institute of Management
Ahmedabad, India11-2024
Certification in Leadership - Leadership
University of Toronto
Toronto09-2021
MBA - Management
Teri University
New Delhi, India04-2012
Bachelor of Technology - Computer Science
Uttarakhand Technical University
Dehradun, India09-2010
Skills
- Product Roadmapping
- Scalable Solutions
- Product-Led Growth
- Strategic Planning
- Presales & Go-To-Market (GTM) Strategy
- KPI/OKR Alignment
- First Principles Thinking
- Systems Thinking
- Merchant Lifecycle Strategy
- UPI, Net Banking, Cards, QR, NPCI
- Reconciliation & eMandates
- Cross-Border Payments (PACB)
- API-First Payment Platforms
- API Integration
- Data-Driven Decision Making
Product Skills
Technical Skills
- AI Chatbots
- UX Research
- Agile Methodologies (Scrum, Kanban)
- Tools: Jira, Figma, Grafana
- Natural Language Processing (NLP)
- Cloud Platforms: Azure, GCP, AWS
- SQL, Microsoft Excel
- A/B Testing
- Hypothesis-Driven Development
- Strategic Thinking
- Team Building
- Cross-Functional Alignment
- Operational Excellence
- Global Delivery
- Customer Centricity
- Communication & Influence
Leadership Skills
Certification
- Continuous Product Design (CPD) Foundations – Quantum Metric University Issued: Nov 2021 | Credential ID: Jlf3UyWyog
- Certified Information Technology Professional (CITP) – ICTC-CTIC Issued: Oct 2020 | Credential ID: DSITP1603184620
- Agile Scrum Foundation – Simplilearn for Business Issued: Mar 2019 | Credential ID: 1245881
- Scrum Fundamentals Certified (SFC) – SCRUMstudy Issued: May 2019 | Expired: May 2022 | Credential ID: 70533
Volunteer work
Mentor – Helping Other People Succeed (H.O.P.S.)
May 2021
Coached professionals across industries on career transitions, performance growth, and future-readiness—enhancing mentee confidence and impact.
Product Lead – Ogo Tawa Inc (Non-Profit)
Jun 2021
Leading digital strategy to empower underemployed Black artists globally.
- Digitized e-commerce platform to boost artist visibility and revenue.
- Delivered scalable, user-centric solutions aligned with social impact goals.
Business Advisor – Jyotirgamay Solutions
Apr 2025 – Present
Advising digital transformation and go-to-market strategies within a social enterprise ecosystem.
- Drove end-to-end project delivery and client engagement.
- Enabled business growth via strategic partnerships and innovation.
Timeline
AVP Product Strategy & Solutions
Pay10
10.2024 - 03.2025
Principal Product Manager
Dayforce
07.2023 - 09.2024
Digital Product Manager
Tata Consultancy Services
07.2021 - 07.2023
Product Manager Strategy
Paymentus
11.2016 - 04.2021
Senior Business Consultant
Kellton Tech Solutions Ltd
01.2016 - 11.2016
Consultant
Petro IT Ltd
07.2014 - 12.2015
General Management (SMP) - Business Management
Indian Institute of Management
Certification in Leadership - Leadership
University of Toronto
MBA - Management
Teri University
Bachelor of Technology - Computer Science
Uttarakhand Technical University
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Adplatform<ul><li>Roles and Responsibilities</li><li>Hiring and team building</li><li>Managing team’s career progression and performance reviews</li><li>Managing Performance improvement plan and firing</li><li>Mentoring</li><li>Product roadmap planning and execution</li><li>Accountability of the entire delivery execution including the risk mitigation planning.</li><li>Stakeholder management</li><li>Adhering to Apple Privacy and Security Guidelines for platform</li><li>Design and implementation of new architectures and solutions to manage all online services for AdXchange in Apple Ads.</li><li>Design and implementation of new architectures and solutions deliver Budget experimentation in Apple Ads</li><li>Design and implementation of new architectures and solutions to manage data for Ad Platform.</li><li>Creating and maintaining all the data and analytics and revenue pipelines for Ad Platforms</li><li>Driving the solution for data ingestions and data processing across Ad platform</li><li>Defining the Strategy for data governance and data access</li><li>Collaboration with business to deliver relevant data and insight for our strategy and decisions.</li><li>Managing storage, processing, copy/synchronization etc. appropriate to scale</li><li>Enabling machine learning and algorithm groups by proving them right frameworks and data</li><li>Advancing team’s design methodology and quality programming practices and evangelize those techniques across Ad platform.</li><li>Deliveries</li><li>Setup 8+ member team to design and deliver Budget Allocation and Budget experimentation.</li><li>Leading Ad Delivery services team, responsible for delivering various capabilities like query understanding, targeting, fraud etc.</li><li>Delivered and Lead Design for observability for budget, and data platform in Ad platform.</li><li>Setup 11+ members high performing team to handle various business needs such as analytics and micro services for Display Advertising as well as Data Platform</li><li>Instrumental in driving Data Platform throughout the SDLC from inception, design, development, testing and deployment.</li><li>Instilled a strong team culture of high-quality delivery by constructive feedback, cross collaboration, focus and motivation.</li><li>Delivered Realtime and Batch Platform with various integrations</li><li>Delivered new DIP design for Data Platform</li><li>Delivered design of all the components of Data processing platform</li><li>Transitioned Display data work to India seamlessly and delivered many critical business impacting features and organizational security initiatives.</li><li>Closely worked with various stakeholders to understand the requirements which resulted into efficient remote work culture.</li><li>Seamless Display execution and set up best practices for 24X7 production on-call.</li><li>Tools and Technologies</li><li>AWS, S3, Kafka, Spark, Hadoop, EMR, Hive, Scoop, Flume, Cassandra, Airflow, Oozie, Gobblin, Schema Store, Icloud, Grafana, Kubernetes, Vertica, Alation, snowflake, druid, Iceberg, Java, Scala, IntelliJ, Oracle, MySql, Git, RIO, Spinnaker, Elastic cache, Grpc, Agile.</li></ul> at Apple - Adplatform
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