Bhawani Pal

Senior Product Manager – Banking & Financial Services

Seasoned Senior Product Manager with over 19 years of experience in banking and financial services, specializing in product strategy and agile methodologies. Successfully delivered high-impact digital banking solutions generating ₹40+ crore in revenue and defined product vision for banking middleware, enhancing compliance and innovation. Focused on aligning customer needs with business objectives to drive product success and operational efficiency. Recognized for fostering high-performing teams and championing collaboration across diverse stakeholders.

[email protected] +91 98103 04319 Manesar, Haryana
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Skills
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Certifications
Work Experience
Senior Product Manager
Fiserv India
Jun 2022 — PresentCurrentGurugram
  • Lead the strategy, development, and delivery of innovative digital banking products that align customer needs with regulatory compliance and business objectives
  • Defined product vision for banking middleware and delivered the Enterprise Service Framework (ESF) across core banking systems
  • Launched an Idea Portal to capture client enhancement requests, enabling transparent prioritization and continuous innovation
  • Spearheaded App Market enablement for modular banking services, improving discoverability and integration speed
  • Led Open Banking strategy with secure API-first architecture, supporting third-party access and regulatory compliance
  • Facilitated stakeholder collaboration across product, engineering, and client teams to drive roadmap execution
  • Pioneered the integration of AI tools into product workflows, fostering innovation and streamlining operations across cross-functional teams
  • Improved response times by 10% through the migration of SOAP APIs to REST APIs within 4 months
Product Manager / Owner
United Technologies, Macy's
Nov 2019 — May 2022
  • Delivered high-impact banking solutions generating ₹40+ crore in revenue
  • Balanced stakeholder priorities, documented features, and mentored agile teams across geographies
  • Championed innovation and faster workarounds through collaboration with base teams and tech leads
Project Manager (Scrum of Scrums)
White Cap, FORD, Navistar
Jan 2015 — Oct 2019
  • Managed multiple scrum teams across enterprise programs; led sprint planning, defect triage, and offshore delivery
  • Acted as key liaison between onshore PMs, DB/DC domains, and scrum masters
Senior Business Analyst and Scrum Master
Baxter, Thermo-Fisher, Colgate
Mar 2012 — Dec 2015
  • Facilitated agile ceremonies, coached teams in Scrum maturity, and resolved delivery blockers
  • Ensured sprint quality and built high-performing, collaborative environments
Configuration Analyst
Northrop Grumman, Chrysler, Koch
Aug 2006 — Aug 2009
  • Led full-cycle testing, automation scripting, and release validation across banking applications
  • Managed team of 7, supported data conversion, and collaborated with third-party vendors
Business Analyst
Citigroup, Liberty Mutual, Goodyear, Charter
Sep 2009 — Feb 2012
  • Captured client requirements, designed process flows, and coordinated QA efforts
  • Delivered functional and technical designs for banking and insurance platforms
Skills
Agile MethodologiesProduct StrategyData-Driven Decision MakingUser Story MappingOpen Banking & API EcosystemsStakeholder EngagementBacklog PrioritizationQA Automation & DevOps CollaborationLeadershipCustomer InsightsRoadmap PlanningRisk ManagementJiraFinancial ModelingProduct Lifecycle ManagementCross-Functional Collaboration
Education
Bachelor of Technology, Information Technology
Rajasthan University
Jan 2006
Certificates
Certified SAFe Product Manager
SAFe®
2024
Professional Scrum Master (PSM)
Scrum.org
2024
Agile Project Management
Agile Alliance
2024
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