Link Money offers the first Pay by Bank solution focused exclusively on the United States. Powered by Open Banking, Link Money provides merchants with an alternate, low-cost payment solution and enables customers to pay with their bank accounts.Responsibilities • Employee #1 at Link. Created product vision, strategy and drove product execution• Developed strategy and execution of Open Banking payment products • Launched industry changing Pay by Bank product• Hired and managed a team of PMs, Designers, Data Scientists and ML Engineers• Hands-on leader who is easily able to navigate C Suite as well as junior most developers• Scaled the team from 0 to ~50• Catch All role

Spearheaded Zelle/RTP integration product managementManaged and led teams across several top tier financial institutions, EWS & TCH to integrate Zelle / RTP

Employee #5. First Product hire.Launched a successful digital challenger bank with best in class SaaS technologyProduct owner for innovative and one of a kind digital account opening solution for Non-US persons (Potential for enabling the capability to 180 countries)Hired and scaled a top performing product team comprising of Sr. Product Managers and designersEstablished and nurtured multi million dollar partnerships with top companies from ChinaDirectly responsible for several millions in incremental deposits during beta release

Omnichannel Product Owner for deposit and lending products offered by U.S. Bank (Checking, Savings, Money Market, Credit Cards, Auto Loans, Personal Loans)Completely revamped and overhauled digital account opening for deposits and auto loans leading to >30% boost in application submission ratesLaunched an innovative "Quick Apply - 2 field account opening" (digital account opening) for credit cards: 75% increase in application submission ratesCreated bank wide monthly analytics dashboards for top executives (C-Suite) to guide business decisionsGenerated additional $15 Million/year by optimizing customer experience and underwriting logic for consumer banking products

Created digital strategy and multi year product roadmaps for companies in technology, financial services and retail industryLed a project to build digital eCommerce strategy and technology solution for a middleware technology company : $100+ million in incremental sales in Year 1Optimized digital user experience for top 5 retail company by creating user journeys and personas : Increase of CSAT score by 25 pointsRevamped Quote to Cash process for a Fortune 500 company leading to 30% productivity improvement for the sales teams

Engineer for Retail banking solution (Finacle) for Top 100 banks in the worldSubject Matter Expert in IT strategy, product development and regulatory compliance with 5 lifecycle product implementations in Europe, Middle East and AsiaStrategized and implemented from ground up retail banking product modules for a Fortune 500 banking clientAdvised clients on product enhancements, process compliance, business transformation, cost reduction and project management activitiesSuccessfully led cross functional teams in project implementation, GAP analysis and UAT, requiring engagement with top management, assessing scope containment and addressing quality assurance with stringent SLA’s