Product Owner with 12+ years of experience in the Digital, BFSI and Retail Industry. Proven history in Global Payments, Gateway, Acquiring, Settlement, and Risk Management. Specialties: Global Payments, Risk, & Settlement Issuer Outreach & Network engagement Cards issuing and bank services Business Case Creation, Strategic Roadmap Planning, & Implementations Product Performance & Development Leadership, Development, and Mentoring Budgeting, Forecasting, & Financial Acuity Collections & Receivables Management Bank fees and Optimization Product, Program & Project Management Continuous Product Optimization, Operation & Process Improvement Vendor RFP’s & Contract Negotiations AI system capability building - traditional AI systems in banking include-Fraud detection, Customer service automation, Credit score calculations and risk assessment, Market trend and customer behavior prediction Proficient in using management software like JIRA and Confluence, power bi , amplitude , mix panel