JAGADEESH RATNALA
Technical Product Owner
Hyderabad,TS
Summary
SAFe-certified Product Owner and Product Manager with 13+ years of experience delivering high-impact Fintech and Payments products at Mastercard, VISA/Earthport, and HSBC. Proven ability to own the end-to-end product lifecycle from roadmap definition and backlog management to stakeholder alignment and Agile delivery. Deep expertise in payment gateway integrations, cross-border payments, APM/SPI frameworks, and global regulatory compliance. Known for translating complex business requirements into scalable product solutions that drive measurable business outcomes.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Technical Product Owner/Product Manager
e2open
04.2025 - Current
- Product Strategy: Own full product roadmap and feature strategy for the SCM operating system, managing a prioritised backlog of 50+ epics aligned to business goals and engineering capacity.
- Agile Delivery: Collaborate with solution architects and Agile squads to decompose epics into user stories, ensuring scalable, high-quality solutions delivered on schedule.
- Requirements: Translate complex logistics and supply chain business requirements into unambiguous user stories and acceptance criteria, reducing engineering rework and sprint carryover.
- Global Supply Chain SaaS
Product Manager - Technical
EPAM Systems India
09.2021 - 04.2025
- Product Strategy & Roadmap Ownership: Defined and executed product roadmap for global payment capabilities supporting end to end merchant payment lifecycle, aligning with business goals, and platform scalability.
- Merchant Payment Integrations: Led delivery of 7+ global alternative payment method integrations (PayPal, Klarna, Mercado Pago, Sofort, eNets, Poli, Open Banking) enabling merchant onboarding expansion across 15+ markets.
- PSP Integrations & API Products: Owned functional design for PSP integrations, defining API contracts, webhooks, callbacks, routing logic, failover handling, improving transaction success rates and reliability.
- APM-SPI Platform Enablement: Designed and owned APM-SPI framework, reducing new payment provider onboarding time by ~40% and accelerating BNPL / PayLater go-to-market.
- End-to-End Payment Lifecycle: Managed product features across authorization, capture, settlement, refunds, reversals, and transaction lifecycle flows, ensuring seamless merchant experience.
- Backlog Ownership & Agile Delivery: Managed end-to-end product backlog across 3 Agile squads, prioritising features based on customer impact, regulatory compliance, and business value.
- Stakeholder & Partner Management: Collaborated with banks, payment partners, PSPs, engineering teams, and business stakeholders to align on product capabilities and integration requirements.
- Regulatory & Compliance Alignment: Ensured product compliance with regional payment regulations, Open Banking standards, and scheme requirements across global markets.
- Product Documentation & Requirements: Defined PRDs, user stories, acceptance criteria, API specifications, improving clarity for engineering teams and reducing delivery risks.
- Data-driven Product Decisions: Analysed transaction performance metrics, adoption trends, and payment success rates to prioritise enhancements improving conversion and merchant experience.
- Client: Mastercard (MPGS) - processing transactions across 200+ global markets.
Senior Business Analyst (Product Owner)
Techwave Consulting
08.2019 - 09.2021
- Product Ownership: Owned delivery for Earthport cross-border payments and settlement platform serving global banks and FIs across 30+ countries.
- Payments Modules: Defined user stories and acceptance criteria for Unstructured Payments and Recall Payments modules, improving transaction traceability and reducing disputes.
- Automation: Delivered automated recall payment functionality, eliminating manual intervention and reducing operational processing time.
- Compliance: Conducted UAT with global stakeholders, ensuring SWIFT, SEPA, and local payment rail compliance across all payment flows.
- Client: VISA / Earthport - Earthport is VISA's cross-border payments network serving 50+ FIs across 88 countries.
Consultant - Business Analyst
Capgemini Technology Services
06.2017 - 08.2019
- Credit Risk Models: Developed PD, LGD, EAD models under Basel III IRB approach, strengthening HSBC's regulatory capital compliance across global reporting streams.
- Regulatory Reporting: Built compliance reports for ALM, Bank of England, IFRS9, and IRRB; supported PSD2 and Cognos DW reporting for Apple Pay and PBBA forecasting.
- Documentation: Authored BRDs, HLDs, and data mapping spreadsheets supporting multiple simultaneous delivery streams.
- Client: HSBC Bank
Business Analyst
K-Fintech Pvt Ltd
01.2016 - 05.2017
- Prepared Functional Specifications for K-Bolt mutual fund processing system; designed Axure RP prototypes; conducted gap analysis, UAT, and end-user training.
- Mutual Funds & Capital Markets
Associate Business Analyst
Envision Enterprise Solutions
11.2012 - 11.2015
- Delivered iPortman Port Operation System for bulk, breakbulk, project cargo and containers (import & export) across 5+ port clients integrated with Railways and Road weighbridge systems.
- Implemented RFID-based Gate Management System enabling real-time truck and cargo tracking at port facilities.
- Client: GPL / JSW / KPPL / Dighi Port
Education
B. Tech / B.E. - Computer Science & Engineering
Jawaharlal Nehru Technological University (JNTU)
01.2012
Skills
- Product Roadmap & Strategy
- Backlog Management
- Requirements Elicitation
- Business Analysis
- Sprint Planning & Grooming
- User Stories & Acceptance Criteria
- Stakeholder Management
- UAT Management
- Wireframing
- API Integration
- Payment Gateway Integrations
- Cross-Border Payments
- Open Banking & BNPL
- APM / SPI Frameworks
- Wallet Integrations
- Agile / Scrum / SAFe
- Supply chain domain (port and logistics)
- JIRA
- Confluence
- Figma
- Axure RP
- Visio
- Office Tools
- Copilot (AI)
- SQL
- Postman
- REST APIs
Certification
- CIPSP, 2019
- SAFe PO / PM, 2022
- AWS Cloud Practitioner, 2023
Accomplishments
- APM-SPI framework at Mastercard - reduced provider onboarding by ~40%, enabling faster PayLater go-to-market across 15+ markets.
- Delivered 7+ payment integrations on Mastercard Payment Gateway Services across 200+ global markets.
- Automated Recall Payments at VISA/Earthport - eliminated manual processing steps across 30+ countries.
- Ensured SWIFT, SEPA & local rail compliance for VISA Earthport serving 50+ global financial institutions.
- Built Basel III credit risk models (PD, LGD, EAD) at HSBC - strengthened ALM, IFRS9, and Bank of England reporting compliance.
Languages
English
Telugu
Hindi
Personal Information
- Notice Period: 30 Days
- Availability: 30 Days
Skills
Product Roadmap & Strategy, Backlog Management, Requirements Elicitation, Business Analysis, Sprint Planning & Grooming, User Stories & Acceptance Criteria, Stakeholder Management, UAT Management, Wireframing, API Integration, Payment Gateway Integrations, Cross-Border Payments, Open Banking & BNPL, APM / SPI Frameworks, Wallet Integrations, Agile / Scrum / SAFe, Supply chain domain (port and logistics), JIRA, Confluence, Figma, Axure RP, Visio, Office Tools, Copilot (AI), SQL, Postman, REST APIs
Timeline
Technical Product Owner/Product Manager
e2open
04.2025 - Current
Product Manager - Technical
EPAM Systems India
09.2021 - 04.2025
Senior Business Analyst (Product Owner)
Techwave Consulting
08.2019 - 09.2021
Consultant - Business Analyst
Capgemini Technology Services
06.2017 - 08.2019
Business Analyst
K-Fintech Pvt Ltd
01.2016 - 05.2017
Associate Business Analyst
Envision Enterprise Solutions
11.2012 - 11.2015
B. Tech / B.E. - Computer Science & Engineering
Jawaharlal Nehru Technological University (JNTU)