RAHUL VERMA

Lead enterprise product strategy across Core Banking Modernization, Enterprise Data Products, Digital Banking, Regulatory Reporting, and AI Product Innovation, partnering with business stakeholders, architects, and engineering teams to deliver scalable enterprise platforms. Leverage Generative AI across product discovery, business analysis, documentation, rapid prototyping, and workflow automation.

Core Banking Transformation

Led reusable Foundation Data Products for Current Accounts, Savings, Mortgages, Personal Loans, and Commercial Banking.

• Defined product roadmap, BDD/TDD, business rules, enterprise mappings, and stakeholder alignment.
• Standardized transaction capabilities across 40+ enterprise consumer platforms.
• Improved enterprise data governance, scalability, and downstream consumer onboarding.

Transaction Search Modernization

Modernized one of the bank's highest-used customer-facing capabilities serving millions of users.

• Led product discovery, customer journey design, and enterprise search roadmap.
• Supported 3.9M customers and 7.7M monthly transaction searches.
• Delivered 22× API optimization and designed scalable architecture supporting 500 TPS.

Digital Lending Transformation

Transformed manual lending journeys into a digital-first customer onboarding experience.

• Led product discovery, roadmap definition, and cross-functional delivery.
• Reduced onboarding time from 5–15 days to ~10 minutes.
• Reduced operational effort by 75% (20 FTE → 5 FTE) and contributed to ~10% YoY loan growth.

European DataWarehouse (EDW)

Delivered enterprise regulatory reporting capabilities supporting ESMA compliance.

• Defined regulatory reporting workflows, validation rules, and business requirements.
• Reduced operational effort from 20+ FTEs to ~5 FTEs.
• Contributed to ~95% reduction in compliance breaches, improving transparency and regulatory confidence.

Guideline IQ (AI Product)

Led AI product strategy for investment guideline interpretation using Agentic AI and Human-in-the-Loop validation.

• Defined AI workflows, prompt engineering strategy, and enterprise adoption.
• Reduced manual interpretation effort from ~20 days to 5 hrs.

Worked across Retail Banking and Compliance platforms, translating business and regulatory requirements into scalable banking products.

Key Roles

• Defined business requirements, functional specifications, business rules, and UAT support.
• Improved retail lending and credit assessment capabilities.
• Defined compliance workflows and governance processes.
• Improved operational transparency and regulatory compliance.
• Defined approval workflows and policy rules.
• Improved governance, auditability, and compliance.

• Delivered Smart Grid and Energy Management solutions supporting utility modernization, business process optimization, and enterprise reporting.

• Developed enterprise Supply Chain and Order Management applications supporting global business operations.