Sourabh Shukla
Product Management | Protean e-Gov | HDFC Bank | Kotak Mahindra Bank | PayU | NPCI
Mumbai
Summary
Highly skilled professional in the digital payments and transformation field with a 14-year career in banking, payments, and fintech. Expertise spans across program, product, and operations management, as well as business solutions. Consistently plays a pivotal role in driving organizational success. Actively pursuing leadership positions within the banking, payments, and fintech industries with a focus on overseeing and guiding program and product management.
Overview
15
15
years of professional experience
6038
6038
years of post-secondary education
3
3
Languages
Work History
Senior Manager – Product & Innovation
Protean e-Gov Technologies Ltd.
Mumbai
10.2022 - Current
- Lead for building Account Aggregator Platform which includes customer facing Website and Mobile App (AA Consent Manager, FIU & FIP Gateway and Alternate Data Analytics)
- Expertise in developing and executing strategies that drive business success and innovation
- Managed business operations P&L, focusing on cost optimization and profitability initiatives
- Defining product roadmap and backlog to ensure timely delivery of product releases
- Working closely with cross-functional teams i.e
- Engineering, design, marketing, and sales, to align product goals and ensure successful product launches
- Proficient in using customer needs, research, and analytics to inform business and product requirements
- Analyzing user data, customer feedback, and key performance indicators to drive product improvements and optimize user experience
- Monitor and assess changes in regulations, and industry standards applicable to the Account Aggregator operations
- Directed growth from 0 to 1 by enabling 35+ FIP & FIU on Protean SurakshAA, leveraging partnerships and iterating based on user feedback to achieve product-market fit
Senior Product Manager – Inclusive Banking
HDFC Bank Ltd.
07.2021 - 09.2022
- Lead for UIDAI Aadhaar Governance, Risk and Compliance solution projects for B2B & B2C Channel
- Enabled end to end digital lending and disbursement for Government Sponsored Loans using Digital Acquisition Platform
- Experienced in identifying, assessing, and mitigating risks in product delivery and business processes
- Translated product strategy and user needs into clear and actionable user stories with well-defined acceptance criteria
- Monitored product performance and conducted regular analysis to identify areas for improvement and optimize AePS offerings
- Excellent verbal and written skills, enabling engagement with stakeholders at all levels
- Strong problem-solving skills with the ability to think strategically and make data-driven decisions
- Awarded with “Silver Star” for securing 11 million and exceptional performance for GSP Loan
Manager – Implementation, Payments and Operations
Jet Privilege Pvt. Ltd.
07.2020 - 06.2021
- Managed Co-brand Pre-paid Issuer integration with TSP, Bank, Network and Card Bureau
- Streamlined Financial Services, Loyalty Program and Client Integration process for better efficiency
- Lead for Financial Services, Co-brand Credit and Pre-paid Card Operations
- Proven ability to prioritize tasks, meets deadline and deliver high-quality results
- Successfully rolled out InterPay Pre-paid card for CUG with MasterCard CPV and BIN certification
Manager – Business Solutions
Kotak Mahindra Bank Ltd.
04.2017 - 06.2020
- Proven track record in leading high-performing teams and managing cross-functional projects to achieve organizational goals
- Managed end-to-end execution of business transformation projects, ensuring timely delivery and budget adherence
- Deep knowledge of end-to-end product lifecycle processes, focusing on customer experience
- Well versed with impact analysis, project planning and able to articulate subject requirement into business language for commercial banking
- Prepared product documentation, including user guides, release notes, and marketing collateral
- Analyzed customer feedback and incorporated it into product enhancements and updates
- Successfully launched products like AePS, e-KYC, e-Sign, Data Vault and API Platform (Statement, Balance, UPI Push / Pull) resulting in a 20% increase in market share and a 15% increase in revenue
- Awarded with “Emerging Star” and “Innovation Star” for strategic project implementation
Manager – Finance
PayU Payments Pvt. Ltd.
01.2016 - 11.2016
- Managed FinOps Team for PG reconciliation and Merchant settlement for PoS & ECom transactions
- Complete understanding on Escrow, Nodal, Import Collection Account (ICA) Reconciliation
- Plan head count required, interview, recruit, training and counseling
- Ensure fair distribution of Reconciliation, Settlement, Payment activities among team
- Address real time crisis by reviewing the process
- Prevented revenue leakage of 2.5 million by analyzing and deactivating MasterCard Services
Assistant Manager – Online Operations
National Payments Corporation of India
03.2012 - 11.2015
- Developed state of the art multilateral Reconciliation, Settlement and Clearing system for the Banks
- Implementation of dispute management process for products like ATM, IMPS & AePS
- Building the landscape RGCS (RuPay Global Clearing System) for digital payments using Rupay Card
- Collaborated with stakeholders to achieve consensus and drive transformation
- Committed to process optimization and best practices to achieve efficiency and monitor KPIs
- Worked closely with sales teams for product demonstrations and assisted in closing deals
- Built strong client relationships, integrating their feedback into product development
- DFS integration with NPCI for processing international card transactions on domestic ATM
- Successfully implemented projects like Chargeback lifecycle for NPCI and DMS to RGCS Migration
Process Executive – Service Delivery
Euronet Services India Pvt. Ltd.
02.2011 - 02.2012
- Maintained strict adherence to quality standards by conducting regular audits, resulting in reduced error rates.
Junior Officer – DSA Payout (Retail Asset Operations)
ADFC Pvt. Ltd.
12.2009 - 12.2010
- Assisted in the preparation of comprehensive reports, providing valuable insights for management decision making.
- Efficiently handled Vendor Payments of 7 products, covering 200 DSA PAN India
Education
Executive MBA -
ITM University Mumbai
05-2015
M.Com -
University of Mumbai
05-2012
B.Com -
University of Mumbai
05-2009
Skills
Product & Program Management
Product Strategy Execution
Digital Payment and Transformation
Digital Banking Product Development
BFSI & PSU Consultation
Techno Functional Leadership
Cross-functional Team Leadership
Reconciliation, Settlement and Clearing
Stakeholder & People Management
Alternate Data Analytics
Digital Lending
Timeline
Senior Manager – Product & Innovation
Protean e-Gov Technologies Ltd.
10.2022 - Current
Senior Product Manager – Inclusive Banking
HDFC Bank Ltd.
07.2021 - 09.2022
Manager – Implementation, Payments and Operations
Jet Privilege Pvt. Ltd.
07.2020 - 06.2021
Manager – Business Solutions
Kotak Mahindra Bank Ltd.
04.2017 - 06.2020
Manager – Finance
PayU Payments Pvt. Ltd.
01.2016 - 11.2016
Assistant Manager – Online Operations
National Payments Corporation of India
03.2012 - 11.2015
Process Executive – Service Delivery
Euronet Services India Pvt. Ltd.
02.2011 - 02.2012
Junior Officer – DSA Payout (Retail Asset Operations)
ADFC Pvt. Ltd.
12.2009 - 12.2010
Executive MBA -
ITM University Mumbai
M.Com -
University of Mumbai
B.Com -
University of Mumbai
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