Km Hemlata .
Mumbai
Summary
Strategic and analytical Product Owner with over 3 years of experience in digital banking and payments, driving end-to-end product lifecycles across current accounts and trade finance. Proven expertise in digital transformation, stakeholder management,testing, risk governance, compliance, and Agile delivery. Adept at collaborating with cross-functional teams and partners to launch scalable, compliant, and customer-centric digital payment journeys, aligned with organizational strategy.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Product Owner
Axis Bank
Mumbai
07.2022 - Current
Product Owner – Current Account & Trade Finance
Jul 2022 – Present.
- Drove digital onboarding strategy within Current Account and Trade Finance journeys, aligning initiatives with the bank’s digital roadmap.
- Managed end-to-end product lifecycle – requirement gathering, prioritization, delivery, UAT, go-live, and post-launch enhancements.
- Led stakeholder coordination across business, IT, operations, risk, and compliance teams for seamless execution and timely delivery.
- Handled merchant onboarding and transaction risk management, including dispute resolution, and chargeback monitoring.
- Spearheaded testing, certification, and troubleshooting of payment modules to ensure 100% compliance with RBI and audit standards.
- Established partnerships and alliances with technology and payment vendors to enhance product capabilities.
- Conducted process evaluation and automation, reducing manual interventions, and improving customer experience.
- Delivered governance and compliance adherence, ensuring robust controls and policy alignment across digital channels.
- Supervised CRM and Helpdesk operations to ensure quick issue resolution and service excellence.
- Contributed to digital channel strategy, optimizing acquisition costs, and enhancing merchant/customer engagement.
Education
M.Tech - Electrical Engineering
Netaji Subhas University & Technology
Delhi, India06-2022
B.Tech - Electrical Engineering
Uttarakhand Technical University
Uttarakhand08-2016
Skills
- Product lifecycle management
- Risk and compliance
- Stakeholder management
- Customer relationship management
- Problem solving
- Jira
- Agile methodology
- Merchant onboarding
- Scrum/ Waterfall
- Business analysis
- Product planning
- Communication
- Microsoft office
Key Acheivements
- Launched biometric KYC integration, improving onboarding success by 11%
- Delivered a 2x increase in monthly NOA and a 180% boost in average balances through VCIP-led Current Account transformation
- Migrated journeys to a scalable, cost-effective platform, reducing infrastructure dependency
- Enabled the second entity KYC document fetch online feature, and improved the digital funnel by 13%
- Designed and deployed a fraud detection model using demographic data, improving risk monitoring
Certification
- Certified Scrum Product Owner (CSPO)
- Digital Product Management: Modern Fundamentals
- Basics of MS Excel
Timeline
Product Owner
Axis Bank
07.2022 - Current
M.Tech - Electrical Engineering
Netaji Subhas University & Technology
B.Tech - Electrical Engineering
Uttarakhand Technical University
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