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  "basics": {
    "name": "Bhawani Pal",
    "label": "Senior Product Manager – Banking & Financial Services",
    "summary": "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.",
    "location": "Manesar, Haryana"
  },
  "work": [
    {
      "company": "Fiserv India",
      "position": "Senior Product Manager",
      "location": "Gurugram",
      "startDate": "2022-06",
      "current": true,
      "highlights": [
        "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"
      ]
    },
    {
      "company": "United Technologies, Macy's",
      "position": "Product Manager / Owner",
      "startDate": "2019-11",
      "endDate": "2022-05",
      "highlights": [
        "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"
      ]
    },
    {
      "company": "White Cap, FORD, Navistar",
      "position": "Project Manager (Scrum of Scrums)",
      "startDate": "2015-01",
      "endDate": "2019-10",
      "highlights": [
        "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"
      ]
    },
    {
      "company": "Baxter, Thermo-Fisher, Colgate",
      "position": "Senior Business Analyst and Scrum Master",
      "startDate": "2012-03",
      "endDate": "2015-12",
      "highlights": [
        "Facilitated agile ceremonies, coached teams in Scrum maturity, and resolved delivery blockers",
        "Ensured sprint quality and built high-performing, collaborative environments"
      ]
    },
    {
      "company": "Northrop Grumman, Chrysler, Koch",
      "position": "Configuration Analyst",
      "startDate": "2006-08",
      "endDate": "2009-08",
      "highlights": [
        "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"
      ]
    },
    {
      "company": "Citigroup, Liberty Mutual, Goodyear, Charter",
      "position": "Business Analyst",
      "startDate": "2009-09",
      "endDate": "2012-02",
      "highlights": [
        "Captured client requirements, designed process flows, and coordinated QA efforts",
        "Delivered functional and technical designs for banking and insurance platforms"
      ]
    }
  ],
  "education": [
    {
      "institution": "Rajasthan University",
      "degree": "Bachelor of Technology",
      "field": "Information Technology",
      "startDate": "2006-01"
    }
  ],
  "skills": [
    "Agile Methodologies",
    "Product Strategy",
    "Data-Driven Decision Making",
    "User Story Mapping",
    "Open Banking & API Ecosystems",
    "Stakeholder Engagement",
    "Backlog Prioritization",
    "QA Automation & DevOps Collaboration",
    "Leadership",
    "Customer Insights",
    "Roadmap Planning",
    "Risk Management",
    "Jira",
    "Financial Modeling",
    "Product Lifecycle Management",
    "Cross-Functional Collaboration"
  ],
  "certificates": [
    {
      "name": "Certified SAFe Product Manager",
      "issuer": "SAFe®",
      "date": "2024"
    },
    {
      "name": "Professional Scrum Master (PSM)",
      "issuer": "Scrum.org",
      "date": "2024"
    },
    {
      "name": "Agile Project Management",
      "issuer": "Agile Alliance",
      "date": "2024"
    }
  ],
  "availability": {
    "status": "open",
    "sponsorship": false
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    "yearsOfExperience": 0,
    "seniority": "lead",
    "highestEducation": "Bachelor's"
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