FILE REF — R. RAO / PRODUCT
Nine years turning ambiguous, high-stakes problems into shipped products — with the judgment to own the call and the numbers to back it up.
Senior Product Manager and AI product leader across fintech, payments, and e-commerce. I operate with high autonomy on regulated, high-stakes problems — fraud, compliance, risk — and I’m equally comfortable in the technical detail: model evaluation, LLM orchestration, and the tradeoffs between latency, cost, and quality that AI features force you to make.
Senior International Product Manager · Fiserv
About
I got into product management almost by accident — an operations role at an NGO-tech startup in Pune that needed someone to turn scattered feature requests into an actual roadmap. Nine years and seven companies later, I've mostly stayed in the same lane: products where the stakes are real. Fraud, compliance, risk — problems where a wrong call costs someone money, or worse, and where "move fast" has to coexist with an audit trail.
What I've learned across eBay, USAA, Accenture, and EY is that the hard part is rarely the technology. It's deciding what not to build, and being willing to own that call when it doesn't work out. I hold a Master's in Software Management from Carnegie Mellon, but most of what I actually use day to day I learned from being embedded with engineering teams long enough to understand what they were building, not just what the spec said.
Right now at Fiserv, I'm doing the same thing at a bigger scale — international AI product strategy across markets that don't share a regulatory framework, let alone a roadmap.
Exhibit A — Case History
7 files, 2016—present- Jan 2026 — PresentFiservSenior International Product Manager● active
Leading international AI product strategy across fintech and payments.
- Oct 2024 — Dec 2025eBaySenior Product Manager
Owned the AI-driven compliance case management roadmap end-to-end — global KYC, AML, and sanctions workflows, with full accountability for the routing and fraud-model decisions, not just delivery.
- Aug 2024 — Oct 2024USAASenior Product Manager
Directed RAG-powered KYC/AML compliance agents and the enterprise fraud detection roadmap.
- Jun 2023 — Aug 2024AccentureSenior Product Manager
Led strategy for a national wildfire prediction and cross-agency emergency response platform — ambiguity across nine government agencies, one product vision.
- May 2021 — Jun 2023Ernst & YoungProduct Manager
Embedded directly with client engineering teams at Citibank, Capital Group, and Navy Federal — forward-deployed style delivery: on-site with the people shipping the code, not handing off a spec and waiting.
- May 2020 — Dec 2020UniphoreTechnical Product Manager, Intern
Built speech-analytics proofs of concept and KPI dashboards for conversational AI products.
- Dec 2016 — Apr 2019Eternus SolutionsProduct Manager
Launched Go Karma CRM for NGOs, scaling to 100+ organizations and $60K in annual recurring revenue.
Exhibit B — Outcomes
- 0%faster case routingeBay · CCMS
- 0%reduction in fraud losseseBay · ML models
- 0M+portfolio users servedEY · Citibank
- 0%faster incident responseAccenture · Wildfire platform
- 0%faster data retrievalEY · Capital Group
- 0%growth in customer baseEternus · Go Karma CRM
Exhibit C — Selected Cases
Exhibit D — Areas of Practice
Strategy & GTM
- Product Vision & Roadmapping
- Go-To-Market Strategy
- Business Case Development
- Growth Strategy
AI / ML
- LLM Orchestration & AI Agents
- Model Evaluation & Quality Tradeoffs
- Anomaly & Risk Detection
- Predictive Analytics
- RAG Architectures
Compliance & Risk
- Fraud Detection & Prevention
- KYC / AML & Transaction Monitoring
- Case Management
- Regulatory Workflows
Delivery & Deployment
- Embedded / Forward-Deployed Delivery
- Cross-Functional Team Leadership
- High-Agency, End-to-End Ownership
- Team & Vendor Management
- User Research & Product Discovery (Figma)
Payments & Fraud AI
- Fraud Detection Models
- Risk Engine Optimization
- Anomalous Pattern Recognition
- Identity Verification (IDV)
- KYC Automation
- Intelligent Payment Routing
- Payment Authorization Optimization
- False Positive Reduction
- Chargeback Prediction
- Cross-Border Settlement AI
- Multi-Currency Reconciliation
Infrastructure & Data
- Global Scalability
- Real-Time / High-Throughput Inference
- Low-Latency Architecture
- ISO 20022 Messaging
- Streaming Data Pipelines (Kafka)
- Feature Stores for ML
- RESTful API & Microservices Design
- Multi-Tenant SaaS Platforms
Model Governance & Trust
- PCI-DSS Compliance
- SAR Automation
- Explainable AI (XAI)
- Model Drift Detection
- Bias Mitigation in Risk Scoring
- Trust & Safety
Product Execution & Analytics
- Product-Market Fit Validation
- Backlog Prioritization (RICE/ICE)
- PRD Authorship
- Jobs-to-Be-Done (JTBD)
- Design Thinking
- A/B Testing & Experimentation (Mixpanel, Amplitude, Tableau)
- OKRs & KPI Tracking
- ROI / MRR/ARR Analysis