Saravanan B
Product Owner
Chennai
Summary
Results-driven Product Owner with 14 years of experience in card payments and financial services, specializing in product strategy, payment processing, merchant acquiring, and regulatory compliance. Skilled in stakeholder management, agile delivery, and leading cross-functional teams to deliver high-impact business outcomes.
Overview
14
14
years of professional experience
9
9
years of post-secondary education
3
3
Certifications
Work History
Consulting Manager
Cognizant Technologies
Chennai
06.2025 - Current
- Trained QA team (25) for NCY on EMVCO compliance, contributed to RFP development, and currently supporting BNY in modernizing a domestic payments platform processing payouts for U.S. retirees, that
Lead Product Owner
Fiserv
Chennai
06.2022 - 06.2025
- Experienced in card payments and merchant acquiring, managing products for card scheme clearing, settlement, and merchant funding. Analyzed client enhancements and translated business requirements into Scrum artifacts.
- Delivered key initiatives, including settlement method changes, funding file enhancements, scheme fee implementation, and new scheme enablement, generating USD 2.2M in annual revenue.
Lead Business Analyst
HTC Global Services (India) Private
Chennai
04.2021 - 06.2022
- Client: Shell Oil & Gas. Contributed to the Global Connected Customer Program, transforming physical payment experiences into a digital, mobile app platform.
- Supported the launch of Shell Mobile across European markets by coordinating between sales and engineering teams, conducting operational walkthrough for regional teams, and managing post-implementation reviews (PIR). Played a key role in onboarding over 200 corporate users.
Business Analyst
Hexaware Technologies Ltd.
Chennai
11.2019 - 04.2021
- Worked with the Citibank Commercial Cards Global Team, supporting APAC regulatory and scheme compliance initiatives. Managed requirement elicitation, BRSD preparation, stakeholder walkthrough, FSD documentation, test planning, and PVT scope reviews.
- Delivered key projects, including the global Visa CVN upgrade (18 to 22), India RBI mandate implementation within 30 days, and Japan platform migration valued at USD 5M. Served as an SME for the Citimanager internet banking solution.
Business Analyst
HDFC Bank Ltd.
Chennai
09.2015 - 11.2019
- Managed card payment issuing platforms supporting card issuance, authorization, and payments, with responsibilities across project management, BRSD, UAT, PVT, and PIR activities.
- Delivered key initiatives, including magstripe-to-chip card migration (50K cards), PCI DSS certification, card personalization decentralization saving INR 2M annually, card inventory optimization saving 480 hours yearly, card operations automation, and implementation of a high-availability card production standby system with a 1-minute RPO and a 35-minute RTO.
Education
B.E. - Electrical And Electronics
RMK Engineering College
Chennai 04.2001 - 05.2010
Skills
Business analysis
User and UX research
Coaching and mentoring
Stakeholder alignment
Product vision and strategy
Market research
Product development
Product strategy
Roadmap development
Certification
Pragmatic certified Product Manager PMC-1
Past Experiences
Developer @ Real Image Media Tech., Jan 2014 - April 2014
Developer @ GAVS India Pvt. Ltd., Nov 2012 - Dec 2013
Analyst @ H&M Pvt. Ltd., Aug 2012 - Nov 2012
Developer @ HCL Tech., June 2010 - Mar 2012
Timeline
Product Management from ISB
05-2026
Consulting Manager
Cognizant Technologies
06.2025 - Current
Pragmatic certified Product Manager PMC-1
05-2024
Scrum Alliance certified Scrum Product Owner
04-2023
Lead Product Owner
Fiserv
06.2022 - 06.2025
Lead Business Analyst
HTC Global Services (India) Private
04.2021 - 06.2022
Business Analyst
Hexaware Technologies Ltd.
11.2019 - 04.2021
Business Analyst
HDFC Bank Ltd.
09.2015 - 11.2019
B.E. - Electrical And Electronics
RMK Engineering College
04.2001 - 05.2010