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Shreenivas Joshi
Looking for a jobSenior Product Consultant
Senior product leader with 27+ years building and scaling FinTech platforms across India, Southeast Asia, the US, and EMEA.
IndiaSenior Product Consultant at Independent Product Consulting
About
Looking for a Senior Product Management Role in Payments, Fintech industry, or else any adjoining industry where I can bring value from my experience.
Experience
Senior Product Consultant
Serving select FinTech clients on credit platform strategy, AI-driven underwriting, and product operating model transformation. Advising early- and growth-stage fintech founders on lending product architecture, credit risk frameworks, and go-to-market strategy across India and Southeast Asia.
AI MLCredit RiskProduct StrategyGo To MarketFintech
Co-Founder
Empowering Indonesians with financial freedom through fintech solutions and improving financial literacy. Advising co-founders on innovative fintech solutions including lending products, credit risk frameworks, and go-to-market strategy across Indonesia.
FintechLendingCredit RiskGo To MarketAI
Senior Product Consultant
Partnered with C-suite and cross-functional leaders to diagnose growth and retention gaps across the core lending portfolio; produced a prioritised 12-month product roadmap adopted by the CEO. Designed and drove 5+ product initiatives combining AI-driven pricing, underwriting model refinements, and UX flow improvements - collectively reducing credit loss rates by 10% while simultaneously growing r
AI MLProduct StrategyCredit RiskUXRoadmapping
SVP, Product Management
Built and led a 30+ member product organisation spanning Product Management, UX Design, and User Research; introduced structured career ladders, OKR frameworks, and PM competency matrices, reducing voluntary attrition by ~30% and improving delivery predictability. Defined product vision and multi-year roadmap across lending, payments, and credit infrastructure; presented strategy and business case
Product ManagementAI MLCredit RiskPaymentsOKRsLeadership
VP, Product Management
Managed 15 Product Managers across Payments, Insurance, and Investment verticals - one of the largest PM organisations in Indonesian FinTech. Owned end-to-end product strategy for Insurance and Investments, establishing OVO as a credible financial services platform beyond payments.
Product ManagementPaymentsInsuranceInvestmentPartnerships
Head of Products
Recruited, structured, and led an 8-member product team from scratch during the company's fastest growth phase. Scaled the platform 5× during the pandemic by pivoting product mix to digital-first, remote-friendly insurance categories - achieving this growth without a proportional headcount increase.
Product ManagementInsuranceTeam BuildingScalingGo To Market
Chief Product Officer
Owned Product, Engineering, and UX for ZebPay at peak-market scale; defined product strategy that measurably improved onboarding conversion and user activation. Led end-to-end launch of a new Australian cryptocurrency exchange, managing regulatory compliance, localisation, and technical workstreams simultaneously - delivered in under 6 months.
Product ManagementCryptocurrencyExchangeRegulatory ComplianceUX
Head of Products, Enterprise Business
Led a 12-member product team serving India's largest enterprise merchants across e-commerce, travel, and fintech verticals. Drove 30%+ YoY transaction volume growth through checkout flow optimisation, payment success rate improvements, and dynamic routing enhancements.
Product ManagementPaymentsUPIIMPSCheckout Optimization
Head, APAC Bank Transfer Products
Owned APAC bank transfer portfolio across Australia, India, Japan, China, and Southeast Asia - representing ~$1.5B in annual payment volume; delivered multi-million dollar annual cost savings through simplified integrations and settlement optimisation. Launched multi-currency wire withdrawal for large merchants, unlocking cross-border payout at scale; the feature drove an 8% increase in merchant p
PaymentsBank TransfersSettlementsCross BorderProduct Management
Senior Product Manager, Global Payments
Led PayPal's SEPA migration across 20+ EMEA countries - a regulatory-mandated programme affecting 20M+ users and 3B+ in annual payment volume; delivered on time with zero regulatory penalty. Introduced American Express card acceptance in Australia, expanding PayPal's funding instrument coverage; Amex-funded transactions represented 8% of Australian checkout volume within 3 months.
PaymentsSEPARegulatory ComplianceProduct ManagementAmEx
Senior Product Manager, Payments
Co-led the Payment Intermediation Programme - a strategic initiative to transition eBay's global payments infrastructure affecting 4M+ sellers and $2B in annual GMV. Designed Virtual Account Matching system, achieving 99.95% reconciliation accuracy - directly reducing payment disputes, chargeback rates, and operational overhead at scale.
PaymentsProduct ManagementReconciliationsVirtual AccountsGMV
Product Development Manager
Launched Remote Deposit Capture and Multi-factor Authentication products - capabilities that became industry-standard across US retail banking within 3 years of launch. Managed end-to-end product roadmaps, balancing priorities across multiple US financial institution partners simultaneously.
Product DevelopmentRemote Deposit CaptureMulti Factor AuthenticationBanking
Education
University of Mumbai
Bachelor of Engineering in Computer Engineering from the University of Mumbai, completed in 1997.
Bachelor of Engineering in Computer Engineering from the University of Mumbai, completed in 1997.