Rakesh B

Senior Digital Banking Product Manager

Salary / Daily rate

Kuwait City, Kuwait

Freelance

Skills

Product StrategyProduct ManagementProduct OwnershipUser ResearchProduct MarketingDesign ThinkingScrumConfluenceJiraAgile Coaching

Languages

EnglishHindiTelugu

About me

Intro

Digital banking strategist with 10+ years driving fintech innovation across major banks and neo-banks. Led launch of digital-only bank at Wio UAE and spearheaded payment stack implementations serving millions of users. Specialized in digital transformation, mobile banking solutions, and API economy with proven expertise in taking products from concept to market.

Links

Work experience

Manager Digital Strategy Projects and Digital Banking

National Bank of Kuwait

Sep 2023 - Present

3 years 2 months

Kuwait · On-site

Digital Transformation Initiatives Innovation Mobile Banking internet Banking P2P payments Business case Development

Fintech Product Manager (https://www.wio.io/)

Wio UAE

Mar 2021 - Mar 2022

1 year 1 month

Nahwa - Aturrah - Sharjah - United Arab Emirates

launch a digital only neo bank lead implementation of payment stack which includes local transfers, cheque payment, bill payments and ancillary systems like reconciliation, AML, fraud, risk and customer support.

Payments Product Manager

Tide

Jul 2020 - Mar 2021

9 months

Indianapolis, IN, USA

payments. MVP launch

Assistant Vice President

HDFC Bank Limited

Mar 2019 - Jul 2020

1 year 5 months

Mumbai Area, India

Skills: Transactional Banking · Product Design · Story · Product Launch · Digital Technology · Product Delivery · Regulatory Requirements · Jira · Passionate about Work · Workshops · Team Motivation · Agile Project Management · Product Road Mapping · Presentations · Customer Engagement · Competitive Analysis · Product Service · Written Communication · Creative Problem Solving · Contact Centers · Product Requirements · Microservices · Mobile Experiences · Delivering Workshops · New Concepts · Customer Experience · Product Vision · Conversational AI · Go-to-Market Strategy · Business Initiatives · Long-term Vision · Compliance Management · Competitive Landscape · Customer Journey Mapping · User Stories · Key Performance Indicators · Negotiation · Market Analysis · Communication · Presentation Skills · Priority Management · Technical Understanding · Online Presence · Process Mapping · Innovation Management · Strategy Alignment · Innovation Research · Customer Satisfaction · Stakeholder Management · Mitigation Strategies · Digital Product Development · Mobile Applications · Cross-functional Team Leadership · Problem Solving · Financial Technology · Analytical Skills

Business Consultant

Fidor Solutions

Apr 2018 - Dec 2018

9 months

Dubai - United Arab Emirates

Collaborate with banks, financial services and non-banks to help them understand the concept of Open Banking, API Economy and Fintech Market. Deliver the concept of Model Bank based on pillars of digitization like process automation, Artificial Intelligence, Analytics & UX.

Senior Manager Digital and E-COMMERCE

State Bank of India

Sep 2016 - Mar 2018

1 year 7 months

Mumbai, Maharashtra, India

Member of Digital Transformation journey and team, responsible for end to end implementation of innovative digital platform which includes creation of a digital banking universe with flavors of banking, investments and e-Commerce Responsible for Customer Experience, CRM,Innovation, Fintech Research and Go-To-market strategy Implement design thinking approach for digitizing customer journeys across banking processes of SBI, by engaging with product owners, business analysts, UI/UX team and technology architects Redefine customer journeys by creating ‘wow factors’ for reducing the turnaround time (TAT) and henceforth de-congest brick and mortar branches Research and recommend various alternative channels like Chatbots, Wallets, IOT payments, Biometric authentication across available payment modes like Native wallets, UPI, AEPS etc. Implement latest digital payment channels like UPI mode including QR payment & VPA, Bharat Bill Payment System for utilities & enhance wallet payment journey First of its kind integration of banking with social media platforms for enabling social banking, customer profiling, Chatbot, cross sell – up sell opportunities, OCAS (online customer acquisition) etc. Research and on-board Fintechs, assess fitment of emerging technologies like Blockchain, Robotics for contact centre, OpenAPIBanking using cognitive analytics, Omnichannel banking etc. Sharing knowledge with core banking teams on latest user experiences on mobile and internet


Education

Indian Institute of Banking and Finance

Certification in Digital Banking

2017 - Present

9 years 10 months

Indian School of Business

Business Diploma

2013 - 2014

1 year 2 months

Indian School of Business

Executive certification in Business Analytics

2013 - 2014

1 year 1 month

National Institute of Technology, Tiruchirappalli

MBA

2005 - 2007

2 years 1 month

Muffakham Jah College of Engineering and Technology

BE

2001 - 2004

3 years 1 month

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