Shankar K Kutty
Mumbai
Summary
Results-driven Sr Product Management Executive with over 20+ years of experience in leading product strategy, innovation, transformation & leading large scale operations teams in the banking and financial services sector. Currently serving as the Product Director for CCB Ops at J.P. Morgan Chase India Pvt Ltd, for Cash and Check Management Product overseeing a $20M modernization roadmap for a $7T Virtual Payment Processing application. Also the Location leader for Operations Product across India and Philippines Corporate Center overseeing a group of 350+ product professionals. Proven expertise in driving AI-powered product innovation, scaling agile operations, and delivering multi-year strategic visions that enhance customer experience and business growth. Adept at leading cross-functional teams, fostering stakeholder collaboration, and achieving measurable outcomes such as 1100+ FTE savings with an ROI of 1:35.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Product Director- Area Product Owner (Cash and Check Management)
J.P. Morgan Chase India Pvt Ltd
12.2023 - Current
- Direct Vertical role rolling into a Managing Director rolling into the US
- Direct a $20M, 5-year product modernization roadmap for the Virtual Payment Processing center, managing $7T in annual check payments, ensuring scalability and operational efficiency.
- Develop multi-year strategic visions to drive business growth, enhance customer experience, and position the product for future-ready banking solutions.
- Oversee end-to-end product lifecycle, including roadmap development, execution, risk mitigation, and achievement of business growth targets.
- Implement Generative AI (Gen AI) practices to elevate product management quality, automating repetitive tasks, enhancing decision-making with predictive analytics, and improving customer feedback integration, resulting in increased efficiency and innovation.
- Integrate AI and machine learning models into transformation initiatives, optimizing payment processing workflows, enhancing fraud detection, and enabling real-time data analysis for a robust, future-ready system.
Head of Product Management (Executive Director) – CCB Ops India and Philippines
J.P. Morgan Chase India Pvt Ltd
01.2021 - Current
- This is an extended Horizontal/Regional Head role
- Led the expansion of product footprint in corporate centers, growing QUAD presence by 350+ product roles (22%), with a projection to reach 40% by EOY 2027 through strategic collaboration and sponsorship.
- Built a high-performing workforce, achieving a 2022 retention score of >90% by hiring and retaining top talent.
- Scaled the agile operating model across CCB, improving employee engagement with Agility Pulse NPS scores of 75+, ranking best-in-class across PXT.
- Drove agility initiatives for PXT in India, partnering with Central Agility Office and Ops Agility Office to accelerate delivery while maintaining quality and reducing risk.
- Evaluated opportunities to enhance delivery, focusing on quality, risk reduction, and control gap identification, ensuring operational excellence.
- Orchestrated the entire product lifecycle, delivering cost-effective, reusable, and reliable solutions while balancing user needs, business objectives, and technical feasibility.
- Mentored product teams on best practices, including solution generation, market research, prototyping, and adoption strategies, enabling them to achieve business objectives.
Program Management Director – CCB Ops
J.P. Morgan Chase India Pvt Ltd
01.2019 - 01.2021
- Managed a strategic program team supporting 15K employees, defining strategies and solutions for the transformation of Consumer and Community Banking operations.
- Delivered 1100+ FTE savings over 3 years with an ROI of 1:35 through technology partnerships and automation initiatives.
- Sourced 10+ fintechs for the Ops Innovation team, driving innovation in banking operations.
Vice President – Program Manager
J.P. Morgan Chase India Pvt Ltd
01.2016 - 01.2019
- Directed large-scale program management initiatives, focusing on process improvement, automation, and operational efficiency in banking services.
- Achieved YOY efficiency of 11% with a 6% reduction in headcount through targeted efficiency programs.
- Supported regulatory exam readiness by creating structured frameworks for documentation and risk control processes.
Team Leader/Division Leader – Inbound Phones & Correspondence
J.P. Morgan Chase India Pvt Ltd
01.2007 - 01.2016
- Supervised a team of 150–200 employees, managing inbound phones and correspondence functions, ensuring high customer satisfaction and operational efficiency.
- Enhanced team performance through coaching, process optimization, and performance tracking, delivering strong retention and business outcomes.
Inbound Service Specialist – Customer Service for Service to Sales Process
J.P. Morgan Chase India Pvt Ltd
01.2004 - 01.2007
- Facilitated customer service operations, driving service-to-sales conversions and improving customer satisfaction metrics.
- Streamlined processes to enhance efficiency and support business objectives in a high-volume inbound environment.
Education
MBA - Marketing and Operations Strategy
NMIMS
01.2009
Bachelor in Commerce - undefined
PDLC Institute
01.2004
Product Management Professional - Product Management
Indian School Of Business
12-2023
Skills
- Digital transformation leadership
- Agile project management
- Program management
- Process improvement
- Payment processing expertise
- Performance metrics evaluation
- Product strategy
- Product vision
- Strategic thinking
- Problem-solving abilities
Certification
- Black Belt – Six Sigma, 2019
- PMP (Project Management Program Trained), 2014
- P2 (Program Professional Certification) – Firm-Level Program
- CSPO
- PSPO
Timeline
Product Director- Area Product Owner (Cash and Check Management)
J.P. Morgan Chase India Pvt Ltd
12.2023 - Current
Head of Product Management (Executive Director) – CCB Ops India and Philippines
J.P. Morgan Chase India Pvt Ltd
01.2021 - Current
Program Management Director – CCB Ops
J.P. Morgan Chase India Pvt Ltd
01.2019 - 01.2021
Vice President – Program Manager
J.P. Morgan Chase India Pvt Ltd
01.2016 - 01.2019
Team Leader/Division Leader – Inbound Phones & Correspondence
J.P. Morgan Chase India Pvt Ltd
01.2007 - 01.2016
Inbound Service Specialist – Customer Service for Service to Sales Process
J.P. Morgan Chase India Pvt Ltd
01.2004 - 01.2007
Bachelor in Commerce - undefined
PDLC Institute
MBA - Marketing and Operations Strategy
NMIMS
Product Management Professional - Product Management
Indian School Of Business
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