Pavan Bharadwaj

Professional Scrum Product Owner level II, Professional Scrum Master level I (certified by Scrum.org), SAFe® 5 Product Owner/ Product Manager (issued by Scaled Agile Inc.), Certified Professional in Accessibility Core Competencies (issued by the IAAP), ECBA (issued by the International Institute of Business Analysis), ITIL v4 Foundation (issued by AXELOS) and AIPMM Certified Product Manager with a demonstrated history of working in the banking industry for leading banks such as Wells Fargo & ICICI Bank Ltd. Skilled in Digital Product Development and Management.

Post Graduate

Diploma in Business Management in Marketing & Finance from XLRI Jamshedpur (one of the top 5 institutes for management courses across India) and Bachelor of Engineering in Electrical & Electronics from BITS Pilani (one of the top 10 institutes for engineering courses across India).

Senior Product Manager - Wells Fargo International Solutions Pvt. Ltd., Bangalore (Jan 2021 – Apr 2023)

Product Owner – Risk-2 Scrum Team

• Launched two cross-platform functionalities (“Stop check” & “Stop ACH payments”) for deposit accountholders
• Enabled addition/ deletion of stop check/ ACH payment instructions in real-time over online/ mobile banking
• Projected to receive transaction volumes of ~1 Mn per year, leading to call/ walk-in cost-savings of ~2 Mn USD
• Partnered with business, technology & design teams to discover, define & integrate requirements
• Owned, refined & prioritized the scrum team backlog; accountable for team deliverables & KPIs
• Aligned scrum team efforts to the product goals, roadmap & organizational vision for customer experience

Product Manager - Digital Banking, Fincare Small Finance Bank Ltd., Bangalore (Oct 2018 – Dec 2020)

Assisted Banking Projects – Product Owner, Nanobanking App

• Designed tablet-based instant customer onboarding & account creation app in line with national ID regulations
• Gathered requirements, finalised system architecture & oversaw development of app till production rollout
• Supervised live support teams & developed detailed MIS for periodic monitoring & process flow enhancements

Mobile Banking Projects – Product Owner, Fincare Mobile Banking App (100,000+ downloads with ~50,000 MAU)

• Managed mobile banking app (customer channel for transaction & service request handling) on Android & iOS
• Led a cross-functional team in the successful overhaul of existing application layout & functionalities

Assisted Banking Projects – Product Owner, FincareTAB App

• Managed instant financial transaction & service request management app for all ~450 branches across India

Product Manager - ICICI Bank Ltd., Hyderabad (Jun 2016 – Oct 2018)

Department: Digital Channels (Dec 2016 – Oct 2018)

Digital Marketing Campaigns for Insurance products

• Developed comprehensive marketing strategy & collaterals for ICICI Group life & general insurance products
• Worked with cross-functional teams to streamline customer onboarding process, thereby enhancing sales

User Experience enhancement for Internet & Mobile Banking:

• Improved fund transfer completion rates by optimizing the user workflow based on Google Analytics data
• Improved conversion rates by identifying customer segments with highest propensity to adopt digital products

Department: Wholesale Banking Technology (Jun 2016 – Nov 2016)

Development of RM Digipocket, a mobile application for monitoring exposure of ICICI Bank in a particular firm

• Gained a thorough understanding of the diverse range of asset & liability products offered to corporate clients
• Managed third-party vendor team & coordinated with program owners to create live version of mobile application

Development of Credit Appraisal Monitoring System

• Gained an understanding of the process involved in appraising a proposal for issuing credit to corporate clients
• Collaborated with multiple stakeholder teams to design a single portal for facilitating the entire workflow

Degree: Post-Graduate Diploma in Business Management

School: XLRI – Xavier School of Management, Jamshedpur

Graduation year: 2016

CGPA: 5.17/8

Degree: Bachelor of Engineering (Hons.), Electrical & Electronics Engineering

School: Birla Institute of Technology & Science, Pilani

Graduation year: 2014

CGPA: 6.96/10