Shreenivas Joshi
Senior Global Product Management Professional
Jakarta
Summary
Highly accomplished, Result oriented Global Product Management Leader with overall 27+ years of industry experience in product development and Management, People management. Seasoned Global Product Management professional with expertise in Payments, Insurance, Investments, Financial Services, Ecommerce industries across the globe. Well-versed in FinTech Product Management and Business Development, with strong grasp on implementing innovative strategies and driving growth while bringing deep insights into organizational leadership and operational excellence. Capable of delivering transformative results and fostering strong team dynamics for sustained success.
Overview
27
27
years of professional experience
4
4
years of post-secondary education
Work History
SVP PRODUCT MANAGEMENT
JULO FINANCIAL TECHNOLOGY
05.2023 - Current
- Led 30+ team members across product, UI/UX Designers, UX writers and UX Researchers, overseeing product development across a portfolio of several products
- Spearheaded overall JULO product strategy that has resulted in a 3x increase in revenue over the years while reducing the loss rate by over 10%
- Identified opportunities to improve business process flows and productivity.
- Transformed JULO from a simple p2p lending app to one of the top market leading app in consumer and SME Financing.
- Established JULO as the first in the industry to offer gadget insurance and disbursement time guarantee as additional value added feature
- Launched JULO QRIS feature from scratch to let customers pay for their offline purchases with JULO's revolving Credit
- Launched JULO Credit Builder feature for those customers with lower credit scores or with lower financial literacy and helped them bring into the fold of good customers with good credit score
- Renegotiated several contracts with vendors/partners to deliver cost savings for JULO by 2+ billion IDR per month
- Influenced organizational change initiatives that resulted in significant improvements in workplace efficiency and employee satisfaction.
VP PRODUCT MANAGEMENT
OVO/GRAB
03.2021 - 03.2023
- Led a team of 15 Product managers for Payments, Insurance, Investments and Financial Service Marketplace (FSMP) and SuperBank
- Built and delivered Product Vision, strategy, and roadmap for Insurance and Investments
- Collaborated with the stakeholders within OVO and Grab on Payments and Financial Services strategy (Insurance and Investment)
- Collaborated with Insurance Companies and Insurance Brokers to get the best Product and pricing alignment that's best suited for the customers and the company
- Managed team of Product managers for multiple business verticals like insurance, investments, Financial services and payments
- Conducted market research to assess customer needs and preferences.
- Championed data-driven decision-making, optimizing product performance through rigorous analysis of key metrics.
HEAD OF PRODUCTS
QOALA
11.2019 - 03.2021
- Led a team of 8 Product managers that consistently delivered value for the customers across 3 distribution channels (B2B2C partnership, D2C, and B2B2C - offline via agent network)
- Led Qoala's growth by 500% during pandemic times by having a balanced portfolio of insurance products across multi channels and across geographies in South East Asia
- Led a team of passionate Product Managers and Engineers to help launch Qoala's products in 5 SEA countries - Indonesia, Vietnam, Malaysia, Singapore, and Thailand
- In the capacity of the individual contributor, led the product vision and execution for offline gadget insurance product and sales channel
- Actively participated in Investor's call for Funding rounds lead by Qoala's top leadership
CHIEF PRODUCT OFFICER
BLOCK SHRINKHALA TECHNOLOGIES LLP
02.2019 - 08.2019
- Led a team of Product managers, Tech Support/UX Engineers and Engineering team
- Responsible for maintaining and increasing conversion funnel for Malta Crypto currency Exchange with 400,000 daily active users.
- Launched new Crypto Currency Exchange in Australia and involved in marketing and customer acquisition strategy
- Created Product Strategy and Roadmap and guide product management and engineering teams for execution
- Implemented new product User Experience (UX) changes by using User behavioral trends data acquired from Google analytics and Clevertap
HEAD OF PRODUCTS - ENTERPRISE BUSINESS
PAYU
06.2017 - 01.2019
- Led a team of 12 Product managers as the Head of Products for PayU India's Enterprise Business ( responsible for processing payments for India’s top merchants).
- Established and maintained PayU’s leadership position in Payment Processing success rates in India.
- Launched the State of the art Payment products to improve approval rates across different channels used by Indian Consumers.
- Led sales discussions on key opportunities to clearly establish a product leadership against competition.
- Partnered with India’s top merchants to increase adoption of new Payment methods, including UPI, IMPS & Payment Products.
- Partnered with Payment Ecosystem players (including banks) to bring the best Payment products to Indian consumers via Large Merchants.
- Built an organizational product strategy for the Enterprise PSP business and work with internal and external stakeholders to achieve PayU's overall goals.
HEAD - APAC BANK TRANSFER PRODUCTS
PAYPAL
04.2015 - 06.2017
- Managed a team of Product Managers and Bank Payment operations for the broader APAC region, maintenance of the existing products plus launching new initiatives.
- Managed and Enhanced global payments products via ACH, wires, faster payments, online banking, and custom channels (Billion+ per year growing 18-20% yoy).
- Maintained and Enhanced the bank payment infrastructure to support the optimal processing of the current volume plus addressing the scalability, availability, latency requirements for the next several years.
- Delivered the incremental annual savings of Millions of dollars by enabling bank funding in new geographies/channels, by dramatically simplifying the experience of adding/confirming a bank account, by better managing risk, and other techniques.
- Led Bank Transfer Product strategy, Product Roadmap Planning, Product Design, and development for consumer and small/Medium/Large Merchants.
- Involved in Bank Partner Relationship Management including pricing discussions, Quarterly Business Review, Integration of new bank partner products into PayPal Flows.
- Launched Global Product Feature for Multi-currency Wire Withdrawal for PayPal’s Large Merchants doing business globally.
SENIOR PRODUCT MANAGER
PAYPAL
08.2012 - 03.2015
- Launched American Express Cards for Australian Users in Payment flows.
- One of the key leader in successfully migrating all of PayPal’s EMEA Business to Euro processing on SEPA across 20+ countries all at once.
- Acted as Key stakeholder in selecting the next bank partner to enable SEPA Payments across Europe.
- Worked with a team of developers and Product Managers across the globe to migrate all Payments flows (Direct debit, Withdrawal, Top-up, etc.) across 20+ countries used by existing as well as new users.
- Acted as Chief Product Owner for Financial Instrument Engine – Key component of PayPal’s Payment Platform.
SENIOR PRODUCT MANAGER
EBAY
12.2010 - 08.2012
- Launched several product features related to Payment Intermediation initiative to improve German Marketplace Trust among eBay buyers and Sellers.
- Acted as a key participant in Product Development Life Cycle for one of the biggest programs in eBay’s history i.e. Payment Intermediation with 50+ Product managers and 200+ developers.
- Written 100s of users stories/EPICS/ L2 Roadmap items relevant to Payments Platform changes for the Payment Intermediation Program.
- Launched Virtual Account Solution for matching Buyer Payments with Orders placed online for offline payment methods achieving Payment matching rate up to 99.95%.
PRODUCT DEVELOPMENT MANAGER
BANKSERV
05.2003 - 12.2010
- Conducted weekly negotiations between several stakeholders (Business Development, Product, Engineering teams) and building consensus on the prioritization of Product feature implementation and enhancement requests.
- Partnered with Senior Product management to develop the Product Roadmap and direction for application development.
- Managed and designed Multifactor Authentication Solution for Remote Deposit product called DepositNow Web/ DepositNow clients.
- Designed Reseller Administration and Management Portal for resellers/Bank to manage their customer’s information on their own.
- Designed and managed rollout of Remote Deposit Review Repair system for the Merchants/Banks.
INTEGRATION ENGINEER
REUTERS AMERICAS INC.
02.2001 - 04.2003
- Developed Perl and shell scripts for full integration of different components of the product TIBMercury Online Order Routing and Management System.
- Developed shell scripts for startup, shutdown and current status check of all TIBMercury Online backend servers.
SOFTWARE ENGINEER
WALTECH INC.
11.1999 - 01.2001
- Worked with multiple clients for Data Migration between two Sybase Database Servers of different versions.
- Performed Database admin activities like Grant/revoke permissions, Database Server Installation, Recovery/Backup.
INTEGRATION ENGINEER
CMC LIMITED
09.1997 - 09.1999
- Worked on Migration of Non-Trading Activities, Versatile System for Trade Settlement and Reporting and Settlement System for Bombay Stock Exchange.
- Wrote programs in C programs, Stored Procedures, Triggers and Cursors.
Education
B.E. - COMPUTER ENGINEERING
University of Mumbai
Mumbai, India 06.1993 - 06.1997
Skills
Global Industry experience in Payments
undefinedTimeline
SVP PRODUCT MANAGEMENT
JULO FINANCIAL TECHNOLOGY
05.2023 - Current
VP PRODUCT MANAGEMENT
OVO/GRAB
03.2021 - 03.2023
HEAD OF PRODUCTS
QOALA
11.2019 - 03.2021
CHIEF PRODUCT OFFICER
BLOCK SHRINKHALA TECHNOLOGIES LLP
02.2019 - 08.2019
HEAD OF PRODUCTS - ENTERPRISE BUSINESS
PAYU
06.2017 - 01.2019
HEAD - APAC BANK TRANSFER PRODUCTS
PAYPAL
04.2015 - 06.2017
SENIOR PRODUCT MANAGER
PAYPAL
08.2012 - 03.2015
SENIOR PRODUCT MANAGER
EBAY
12.2010 - 08.2012
PRODUCT DEVELOPMENT MANAGER
BANKSERV
05.2003 - 12.2010
INTEGRATION ENGINEER
REUTERS AMERICAS INC.
02.2001 - 04.2003
SOFTWARE ENGINEER
WALTECH INC.
11.1999 - 01.2001
INTEGRATION ENGINEER
CMC LIMITED
09.1997 - 09.1999
B.E. - COMPUTER ENGINEERING
University of Mumbai
06.1993 - 06.1997
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