Rahul Varma
New Delhi
Summary
Seasoned Fintech Product Owner / Manager with 16+ years of experience delivering digital lending, payments, and EBA, CFPB, and FSMA financial solutions across the EU, UK, and US markets. Proven track record of launching consumer and enterprise lending apps, AI-driven credit scoring, and compliance-ready platforms that increased adoption, revenue, and customer satisfaction. Skilled at working with global financial regulators and global banks to ensure adherence to regional finance principles while accelerating digital transformation in lending and payments.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Consultant - Product Manager
GlobalLogic India Private Limited
Noida
05.2024 - Current
- Defined product strategy for digital lending apps (personal loans, SME finance) in collaboration with US and EU fintech clients.
- Spearheaded EBA & CFPB - compliance alignment workshops with advisory boards, ensuring financial products met EU & US principles while scaling globally.
- Delivered fintech platforms generating $2.4M development revenue and $3.5M in licensing revenue in year one.
- Drove successful launches of mobile-first lending products across EU and US markets, achieving rapid adoption among retail and SME customers.
Product Manager
Brightly Software India Private Limited (a SIEMENS Company)
Noida
10.2022 - 05.2024
- Owned end-to-end product lifecycle for consumer lending & payments products, contributing $15M+ ARR across public sector and financial clients.
- Introduced AI-driven credit scoring and loan origination features to improve approval speed and reduce risk exposure.
- Partnered with compliance officers and Sharia boards to embed EU & UK finance principles into product workflows.
- Built and executed GTM strategies for fintech solutions in the USA, UK, and EU, improving time-to-market by 30%.
Product Manager
Social Lab Events India Private Limited (Social27 Inc)
New Delhi
10.2020 - 06.2022
- Modernized the platform into a fintech-enabled ecosystem integrating digital wallets and AI-driven lending tools.
- Achieved 20x growth and reduced support tickets by 90% by improving user experience and automating loan eligibility processes.
- Designed and launched ML-based Lead Prediction & Risk Assessment Tool, later adopted in EU and US fintech partnerships.
Team Leader - Product Management
CVENT India Private Limited
Gurugram
04.2018 - 05.2020
- Directed product development for payment gateways and lending APIs, enabling seamless credit issuance for enterprise clients.
- Expanded adoption of digital lending modules for U.S. financial clients.
- Integrated third-party APIs for enhanced functionality in mobile applications.
- Participated in agile ceremonies to drive project timelines and team collaboration.
Operations Manager
Amazon Development Center India Private Limited
Bengaluru
03.2017 - 03.2018
- Led teams building consumer credit products (Amazon Pay Later, EMI integrations), improving customer adoption by 40%.
Team Leader - CRM Operations
Cognizant Technology Solutions India Private Limited
Gurugram
03.2016 - 03.2017
- Oversaw delivery of core banking modules, ensuring compliance with Basel III & Islamic lending regulations for GCC banks.
Client Manager
RR Donnelley Outsourcing Aisa Limited
Chennai
06.2014 - 03.2016
- Improved operational efficiency by overseeing a diverse Financial Print Services team of over 35 members, providing round-the-clock support to Fortune 500 clients worldwide.
- Spearheaded projects that raised the quality score from 89.05% to 92%, exceeding performance targets through process improvements. Maintained low attrition rate at 3%, significantly under the established goal of 7%, enhancing team stability.
Senior Credit Analyst
American Express India Private Limited
Gurugram
08.2012 - 04.2014
- Managed credit underwriting & risk policies for business loans and cards across US region.
- Contributed to digitization initiatives that reduced credit card application processing time by 35%.
Process Associate
TCS eServe International Limited
Chennai
08.2009 - 04.2012
- Supported retail banking operations for global clients, focusing on loan disbursement, credit card servicing, and compliance workflows.
Education
MBA - Consultancy Management
BITS Pliani
New Delhi, India12-2021
PGDMBA - Marketing Management
Indian Institute of Planning And Management
New Delhi, India06-2014
Bachelor of Science - Physics
D.G.Vaishnav College, Madras University
Chennai, India04-2010
Skills
- Digital Lending Platforms
- AI/ML in Credit Scoring
- Consumer & SME Banking
- Product Strategy & Roadmaps
- Agile & Scrum Leadership
- Compliance & Risk Management
- Payments & BNPL
- Mobile/Web App Launches
Certification
- Certified Scrum Product Owner (CSPO) – Scrum Alliance (2023)
- Agile Project Management – MSME Chennai (2016)
Timeline
Consultant - Product Manager
GlobalLogic India Private Limited
05.2024 - Current
Product Manager
Brightly Software India Private Limited (a SIEMENS Company)
10.2022 - 05.2024
Product Manager
Social Lab Events India Private Limited (Social27 Inc)
10.2020 - 06.2022
Team Leader - Product Management
CVENT India Private Limited
04.2018 - 05.2020
Operations Manager
Amazon Development Center India Private Limited
03.2017 - 03.2018
Team Leader - CRM Operations
Cognizant Technology Solutions India Private Limited
03.2016 - 03.2017
Client Manager
RR Donnelley Outsourcing Aisa Limited
06.2014 - 03.2016
Senior Credit Analyst
American Express India Private Limited
08.2012 - 04.2014
Process Associate
TCS eServe International Limited
08.2009 - 04.2012
MBA - Consultancy Management
BITS Pliani
PGDMBA - Marketing Management
Indian Institute of Planning And Management
Bachelor of Science - Physics
D.G.Vaishnav College, Madras University