Swati Swagatika Mahapatra
Bengaluru
Summary
Dynamic and accomplished Senior Product Leader with over 13 years of progressive success driving digital transformation and payment innovation across leading global financial institutions. Recognized for translating complex business challenges into scalable, customer-centric digital solutions. Demonstrated ability to lead cross-functional teams across geographies, deliver regulatory-ready features, and drive measurable business impact. Adept at navigating matrixed organizations and aligning stakeholders to a clear product vision.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Lead Product Owner – Global Digital Channels
Standard Chartered Bank – GBS
04.2022 - Current
- Aligned product roadmap with global regulatory requirements and business objectives using MS SharePoint and Wrike.
- Directed end-to-end implementation of Common Dock Utility to digitize cross-border payment documentation.
- Spearheaded payroll workflow revamp for corporate and SME banking channels utilizing user journey mapping.
- Overhauled payment initiation experience, resulting in 98% completion rate.
- Collaborated with legal and compliance teams to meet stringent delivery timelines.
- Consolidated payment platform workflows across international markets, automating compliance checks.
- Reduced transaction processing times by 35%, supporting over $2 billion in cross-border payments.
Product Owner – Digital Transformation Program
Tech Mahindra
09.2020 - 04.2022
- Drove migration for Standard Chartered’s core transformation program.
- Enabled transitions from legacy to NextGen digital banking platforms.
- Led cross-functional team ensuring sprint delivery and alignment.
Regional Product Owner – APAC
Western Union
08.2018 - 09.2020
- Facilitated launch activities and managed continuous improvement cycles for digital payment platforms across key APAC markets by gathering market input and addressing regional technical requirements using Power BI and Tableau.
- Spearheaded redesign of UX flows and executed A/B testing on WU.com and mobile platforms, leveraging Google Analytics, Amplitude, and Adobe Analytics to drive measurable growth across APAC markets.
- Implemented regulatory-compliant product enhancements by coordinating with legal and compliance teams, utilizing project management tools such as Wrike and JIRA to track regional requirements.
AVP – Alternate Channel Product Management
Equitas Small Finance Bank
07.2017 - 08.2018
- Launched channel products including NACH, BBPS, and API-integrated NEFT/RTGS/IMPS by collaborating with cross-functional technology, compliance, and operations teams, using agile methodologies for effective delivery.
- Leveraged data analytics to assess turnaround time improvements and identify further efficiency gains in multi-channel payment systems.
Product Manager – Cash Management Services
ICICI Bank Ltd.
05.2012 - 07.2017
- Led enhancements in Escrow, Nodal Accounts, and payment modules.
- Onboarded 50% of India’s PPI issuers to digital platforms.
- Pioneered automation of escrow via dynamic authorization matrix.
- Integrated bulk disbursement workflows across commercial clients.
Education
MBA - Finance & Marketing
IBS
Mumbai01.2012
B.Tech - Electronics & Communication
GITA
Bubaneswar01.2008
Skills
- Global product strategy and ownership
- Payments and collections
- Digital banking transformation
- Agile and Scaled Agile Delivery (SAFe)
- User journey reengineering (UX/UI)
- Product innovation and roadmapping
- Data-driven decision making and KPIs
- Leadership of distributed product teams
- JIRA, Confluence, Wrike, and MS SharePoint
- Power BI, Google Analytics, Amplitude, Tableau, and Adobe Analytics
Websites
Certification
- SAFe Product Owner/Product Manager (PO/PM)
- LUMA Institute certification in human-centered product design
- ICs certified product ownership certification
- svp product management executive certification
Accomplishments
- North Star Award for 2023
- Best Squad Leader Award for 2023 in consecutive two quarters
- Nominated for APAC Excellence Awards 2025, results awaited
Timeline
Lead Product Owner – Global Digital Channels
Standard Chartered Bank – GBS
04.2022 - Current
Product Owner – Digital Transformation Program
Tech Mahindra
09.2020 - 04.2022
Regional Product Owner – APAC
Western Union
08.2018 - 09.2020
AVP – Alternate Channel Product Management
Equitas Small Finance Bank
07.2017 - 08.2018
Product Manager – Cash Management Services
ICICI Bank Ltd.
05.2012 - 07.2017
MBA - Finance & Marketing
IBS
B.Tech - Electronics & Communication
GITA
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