GAUTHAM MK
Bengaluru
Summary
Diligent Product Manager offering 5 years of success in product roadmap development, market research and data analysis. Product Manager with a proven track record at Setu, specialising in AI-driven automation and process optimisation. Achieved a 70% reduction in support tickets through innovative solutions, showcasing strong analytical skills and cross-functional collaboration. Expert in payment reconciliation and operational efficiency, driving significant cost savings and enhancing user experience. Innovative Product Manager known for high productivity and efficient task completion
Overview
6
6
years of professional experience
Work History
Product Manager – Payments Value-Added Services (Tech Payments PM)
Setu (A Pine Labs Company)
Bengaluru
03.2025 - Current
- Led AI-driven automation initiatives across payment value-added services, focusing on reconciliation, settlement verification, and exception handling for large-scale financial flows.
- Designed and scaled ReconX, an AI-powered reconciliation automation platform handling ~₹150 Cr in settlements daily, replacing manual reconciliation workflows.
- Reduced reconciliation team size from 7 FTEs to 1 FTE.
- Improved settlement accuracy, traceability, and audit readiness.
- Built agentic payment MCPs to orchestrate multi-step payment, settlement, and exception workflows, enabling event-driven automation over manual ops.
- Delivered 70% reduction in support tickets, translating to significant cost savings (₹3,000 per ticket), by redesigning processes and automating error detection and resolution.
- Partnered with Engineering, Finance Ops, Support, and Enterprise stakeholders to move AI solutions from POC → pilot → production, with defined success metrics and governance.
- Established KPIs for automation effectiveness (STP rate, exception ratio, operational cost reduction) and tracked post-deployment outcomes.
Associate Product Manager – Payments Platforms
Setu (A Pine Labs Company)
Bengaluru
01.2024 - 02.2025
- Analyzed end-to-end payment, reporting, and support workflows to identify process inefficiencies and automation opportunities.
- Led development of a self-service analytics & control dashboard, reducing manual operations and increasing adoption by 38%.
- Redesigned reporting and analytics workflows, contributing to a reduction of ~200 support tickets per month.
- Built cohort and usage analyses to identify automation-led cost-reduction opportunities, lowering ticket handling costs by ~25%.
- Scoped and delivered a self-service support workflow, enabling users to raise and track issues without human intervention.
Manager – Business Strategy & Platforms
Setu
Bengaluru
06.2021 - 01.2023
- Collaborated with NPCI and banking partners to design scalable bill payment processes, contributing to Setu becoming the 2nd largest Biller Operating Unit (BOU) in India.
- Built data-driven performance and revenue dashboards, reducing operational breakdowns by 18%.
- Designed structured onboarding and KYC process models, onboarding 750+ clients while improving risk controls and decision consistency.
- Led a team of 4, driving process standardization, KPI definition, and operational improvements.
Associate Analyst – Partnerships & Strategy
Razorpay
Bengaluru
11.2019 - 06.2021
- Built SQL-based analytics frameworks to guide business decisions, contributing to 2× revenue growth in 6 months.
- Designed prescriptive, data-backed go-to-market strategies that increased monthly revenue by 8%.
- Led onboarding and process standardization for a 12-member team, improving operational efficiency and escalation handling.
Education
Bachelor of Engineering - Mechanical Engineering
Visvesvaraya Technological University
BengaluruSkills
AI and intelligent automation
- Agentic AI systems and MCP orchestration
- LLM-driven workflows and prompt optimisation
- AI-assisted OCR, validation, and exception handling
- Human-in-the-loop automation design
- End-to-end process mapping and root-cause analysis
- Automation opportunity identification
- Straight-through processing (STP) and exception models
- Compliance and audit-aware automation
- API-led financial platform design
- Event-driven and state-based workflows
- Settlement, reconciliation, and MIS systems
- SQL-based analysis and performance metrics
- Automation ROI and cost-to-serve reduction
- Operational risk and control improvement
- Cross-functional and enterprise stakeholder alignment
Innovation And Ai Initiatives
- ReconX – AI-Driven Reconciliation Automation, AI-powered reconciliation platform automating bill and settlement matching across multiple data sources. Processes ₹150 Cr+ daily settlements with exception-based human review. Delivered 6× reduction in reconciliation manpower with full audit trails and explainability.
- Agentic Payment MCPs, Internal agent-based orchestration framework for payment processing, settlement validation, and exception routing. Designed for scalability and planned externalization for partner usage.
- WhatsApp AI Payment Flows, Designed conversational AI payment journeys used by Ujjivan and Muthoot Finance, each processing ~3 lakh transactions per month. Enabled LLM-based intent recognition and guided flows, reducing user friction and support dependency.
Timeline
Product Manager – Payments Value-Added Services (Tech Payments PM)
Setu (A Pine Labs Company)
03.2025 - Current
Associate Product Manager – Payments Platforms
Setu (A Pine Labs Company)
01.2024 - 02.2025
Manager – Business Strategy & Platforms
Setu
06.2021 - 01.2023
Associate Analyst – Partnerships & Strategy
Razorpay
11.2019 - 06.2021
Bachelor of Engineering - Mechanical Engineering
Visvesvaraya Technological University