Hi, I’m
SAPTARSHI RAY
Mumbai
Summary
Product Leader with 19+ years in CLM, KYC, AML, and Financial Crime technology, driving digital transformation for global banks. Skilled in leading multi-product portfolios, managing P&L, and scaling SaaS in regulated environments. Known for accelerating growth via strategic pricing, API integrations, and partnerships.
Overview
24
years of professional experience
1
Certification
Work History
eClerx
Program Manager, Role: Head of Product Managment
07.2024 - Current
Job overview
- Lead a portfolio of 3 products: 1) End- to- End Client Lifecycle Management Application, 2) Document Sourcing Manager (sourcing from Trade registries, Exchanges & regulatory sites) & 3) KYC on Salesforce
- Own P&L responsibility as a sub-vertical, driving sales targets and maintaining EBITDA across the product family.
- Define and execute product strategy, design, and roadmap to enhance market positioning and customer satisfaction.
- Oversee the product lifecycle from ideation to delivery, ensuring alignment with business and customer needs.
- Collaborate with Sales, Marketing, Engineering, and Operations teams to deliver high-impact solutions and revenue growth.
CITI
Vice-President, Role: Lead Product Owner
08.2021 - 07.2024
Job overview
- Owned Product Vision, Strategy, and Roadmap to transform legacy Onboarding systems within Citi.
- Co-led Client Onboarding/KYC solutions, overseeing design, development, delivery, and support.
- Managed a global team of Product Owners across NAM, LATAM, APAC, and EMEA.
- Enhanced KYC capabilities using digital transformation to reduce onboarding time.
- Prioritized backlogs, MVPs, and collaborated with leads on story estimation and release planning.
- Reviewed Epics/User Stories, approved show-and-tell demos, and UAT sign-offs.
STANDARD CHARTERED GBS
Senior Business Analyst, Role : Chapter Lead
04.2019 - 07.2021
Job overview
- Led a large team of Business Analysts in the Fenergo Product’s Implementation for Client Onboarding & KYC to digitally transform its current legacy application.
- Reviewed Product Timelines, BA Capacity Planning, and BA deployment for the Fenergo program.
- Allocated 40% of time working as a Business Analyst in an Agile/Scrum Team. Drafted Epics/ User stories
SLK SOFTWARE PVT LTD
Manager- Software, Role: Product Owner
02.2017 - 04.2019
Job overview
- Experienced Product Owner specializing in AML Transaction Monitoring & Fraud Prevention.
- Proven track record in developing scalable Transaction Monitoring systems leveraging AI.
- Skilled in Agile Methodologies, stakeholder Management & leading Cross-Functional teams.
- Accomplished multiple tasks within established timeframes.
SLK SOFTWARE PVT LTD
Manager- Software, Role : Product Owner
01.2014 - 02.2017
Job overview
- Responsible for product vision, strategy, roadmap, backlog grooming, design, development, UAT & release planning for Digital Lending of BNPL Loans for Retail Banking customers.
- Integrated a reputed US Bank's Client Onboarding, KYC & loan origination’s digital platforms with fintech partners to enhance speed of Loan Disbursement with No/Low document process.
SLK SOFTWARE PVT LTD
Associate Manager, Role: Business Analyst
09.2012 - 01.2014
Job overview
- Involved in Requirement gathering of building an AML Transaction Monitoring rules Engine.
- Drafted BA artifacts (BRD, FRD), sought stakeholder agreements & sign-offs, carried out UAT.
SLK SOFTWARE PVT LTD
Associate Manager, Role : Business Analyst
12.2010 - 09.2012
Job overview
- Monitored/Participated in day-to-day Proposals/RFI/RFP response preparation/POCs.
- Responsible for creation of Bid Plan, Bid Management, maintenance of Artifacts/Case Studies.
Wells Fargo India Solutions
Senior Financial Analyst
08.2009 - 04.2010
Job overview
- Role: Business Analyst in Residential Mortgage.
GE Money Servicing
Process Developer
09.2005 - 05.2009
Job overview
- IT Role: Business Analyst in Falcon system’s Card Fraud Prevention by modifying rules to prevent true name fraud & account takeovers.
- Previous Operations Role: Loan Originator.
Wipro Limited
Process Associate
10.2004 - 03.2005
Job overview
- Role: Customer Service, BPO.
- Handled high volumes of incoming work requests professionally while maintaining excellent organization.
- Managed multiple tasks simultaneously, ensuring timely completion of all assignments.
- Communicated effectively with colleagues and supervisors to resolve issues promptly and accurately.
Cybercafé Business
Business Owner
02.2001 - 08.2004
Job overview
- Ran and managed a cybercafé business.
- Established strong customer relationships through excellent communication and attentive service.
Education
Symbiosis Centre For Distance LearningPune
Post Graduate Diploma from Business Administration (Finance)
01.2018
Calcutta UniversityKolkata
Bachelor of Commerce
01.2000
Skills
- Strategic Product Leadership
- Product Vision
- Strategy & Roadmap
- P&L
- Go-to-Market (GTM)
- Cross-functional Leadership
- Data-driven decisioning
- Stakeholder Management
- Cloud Transformation & Platform Modernisation
- Vendor & Partner ecosystem management
- Customer Success
- Requirement Gathering
- Elicitation
- Gap Analysis
- Wireframing/Prototyping
- Process Mapping
- Jira
- Confluence
- Trello
- SharePoint
- Outlook
- MS Teams
- Microsoft Office Suite (Word, Excel, PowerPoint)
- Visio
- UML
- SQL
- Epics
- User Story
- BRD/FSD
Certification
- Certified Scrum Product Owner (CSPO), Scrum Alliance
- Certified Scrum Master (CSM), Scrum Alliance
Accomplishments
- Drove 12% QoQ MRR growth (50%+ annualized) via strategic features and market expansion.
- Improved EBITDA by 20% by optimizing pricing, controlling costs, and maximizing customer value.
- Delivered $1.2M+ in annual cost savings by streamlining external data sourcing and reducing manual efforts.
- Boosted gross margin by 15% through infrastructure cost reduction and third-party spend optimization.
- Achieved 85% automation in document sourcing and outreach, significantly lowering operational overhead.
- Reduced client onboarding costs by $500K by migrating to a lean, modular cloud-based platform.
Roles And Responsibilities
- Drive product vision, strategy, and execution across a multi-product portfolio aligned with business goals.
- Drive strategic decisions and revenue growth through market research and competitive analysis.
- Own full P&L and GTM strategy, driving growth through optimized pricing and commercial alignment.
- Drive strategic partnerships and white-label collaborations to expand ecosystem reach and boost revenue growth.
- Lead RFI/RFP responses and pre-sales strategy to win deals and sharpen market position.
- Power large-scale digital transformation through Cloud, AI, RPA, and API-led innovation.
- Champion intuitive product design and rapid delivery using Agile and hybrid methodologies.
- Proven domain leadership across BFSI, Fintech, Reg-Tech, Risk & Compliance, and Digital Lending.
Profile Snapshot
Product Leader with 19+ years in CLM, KYC, AML, and Financial Crime technology, driving digital transformation for global banks. Skilled in leading multi-product portfolios, managing P&L, and scaling SaaS in regulated environments. Known for accelerating growth via strategic pricing, API integrations, and partnerships.
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Bengali
Bilingual or Proficient (C2)
Timeline
Program Manager, Role: Head of Product Managment
eClerx
07.2024 - Current
Vice-President, Role: Lead Product Owner
CITI
08.2021 - 07.2024
Senior Business Analyst, Role : Chapter Lead
STANDARD CHARTERED GBS
04.2019 - 07.2021
Manager- Software, Role: Product Owner
SLK SOFTWARE PVT LTD
02.2017 - 04.2019
Manager- Software, Role : Product Owner
SLK SOFTWARE PVT LTD
01.2014 - 02.2017
Associate Manager, Role: Business Analyst
SLK SOFTWARE PVT LTD
09.2012 - 01.2014
Associate Manager, Role : Business Analyst
SLK SOFTWARE PVT LTD
12.2010 - 09.2012
Senior Financial Analyst
Wells Fargo India Solutions
08.2009 - 04.2010
Process Developer
GE Money Servicing
09.2005 - 05.2009
Process Associate
Wipro Limited
10.2004 - 03.2005
Business Owner
Cybercafé Business
02.2001 - 08.2004
Symbiosis Centre For Distance Learning
Post Graduate Diploma from Business Administration (Finance)
Calcutta University
Bachelor of Commerce
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