Data Manager

Growth-, Data- & Innovation-focused Product leader with 20-years of success building disruptive

products & businesses across financial services, e-commerce, ad-tech and consumer technology

Expertise in building & scaling products with steep growth trajectories monetizing commerce, financial, user

& customer behavioural data and building high-performance teams across companies FinTech (Payments, Banking & Credit Cards)

Building Rakuten’s US Neobank. Lead Product & Engg for Rakuten’s FinTech team across Payments Products & Platforms, Credit Card systems, Securities and modernizing tech stacks to Cloud Native apps

Lead new Product development for Yodlee, across Consumer Credit, Open Data/ APIs, B2B Transaction Insights and renewed firm’s focus in the Financial Services space

Built Consumer- & Vendor financing products at Flipkart, increasing GMV & conversions and, improved consumer & vendor satisfaction loyalty

E-Commerce, Ads & Data (User Profile, Data & ML Platform)

Lead User Profile, Data & ML Platform Product at Flipkart, bringing a user- and customer-centric approach, to the Ads, Marketplace, Marketing, App, FinTech and, Logistics & CX teams

Transformed Data Platform from Batch- (1.0) to Daily- (2.0) to Real-time Insights (Platform 3.0). Ingested data from several BUs, products & Tech stacks onto a central platform, created ML-models & insights about users & sellers and, built APIs for self-serve & integration/ use by respective Product teams

Rebuilt Yahoo’s ad analytics products (& underlying platform) from scratch using consumer behavioural data and achieved 20% increase in premium brand ad revenues. Built Yahoo’s first Spark cluster for ML-at-scale

– enabled multi-channel attribution, consumer behavioural metrics & synergy across campaigns Rakuten, San Mateo, California 2019 - Present

Head of Product, Rakuten US Bank, San Mateo

Sr Director, Head of Product & Engineering, FinTech, Bangalore

Neobank US - Leading product for Rakuten’s neobank and credit card business

FinTech - Managed 55-member Product & Engineering team across India & US, building products for Japan, South Asia & US markets. Transformed team from support- to outcome-focus - building POCs, new products

& platforms, modernising tech-stack to Cloud-Native & expanding across Financial Services

R-Pay Product – created new roadmap for R-Pay, Rakuten’s flagship Payments App by understanding the needs of Japanese consumers, competitive landscape across all Payment products and working closely with Merchants for Ads, Offers & coupons and leveraging Rakuten’s strengths as an ecosystem-firm

R-Pay Tech – created a plan to fix R-Pay app’s latency, stability & usability issues. 3-pronged plan to build monitoring, measurement & feedback mechanisms across database, application & UI

Global Payments Platform – built framework for global platform that works with multiple protocols, millions in concurrency, different legal & regulatory guidelines and offers personalisation at scale YODLEE Envestnet, Bangalore, India

Sr Director, Head of International & Platform Products 2017 - 2019 Lead the 15-member International Product & POC teams for Yodlee, with focus on Financial Services firms, Banks & FinTechs. Helped renew firm’s focus on partners and develop a Data & Analytics-focus

Consumer Credit – Created new platform that enabled clients to develop a 360-degree view on Consumer Credit & Risk, using traditional & alternative data sources; built POCs for US & Indian clients

Open Data – Devised Product strategy around India’s Account Aggregator framework that brings Open Banking-style Financial Data Access. Product suite includes PFM, Credit & Risk products for consumers, SMBs and merchants and enables Fintechs to cross-sell products

APIs & Dev Platform – Created a Dev platform and built APIs for easy consumption of consumer data; firm used to focus on data aggregation through pipelines and new platform enabled FinTechs & other firms to easily consume data using sandboxes and variety of tools BHASKAR S. KRISHNAN

10265 Parkwood Dr, #1, Cupertino 95014

1-408-***-****. ********.********@*****.***

FLIPKART, Bangalore

Head of Product, User Identity, Data & ML Platform 2015 – 2017 Lead product for User Identity & Insights & ML platform at Flipkart, driving use of data, insights & ML across Product/ Tech teams & BUs, identifying the right KPIs for revenue growth & profitability. I managed efforts of 30+ people across product, analytics, data science & engineering

Trust & Safety – built fraud modes, user account linking platform and other risk-products that identified fraud & leakage and, developed real-time risk reduction & fraud prevention products & processes

Flipkart Ads - Lead Analytics & Data Products, managing multiple pods & POCs with 15-20 members and launched pricing, targeting/ segmentation, and measurement/ attribution products

Consumer Credit – Built fastest growing Consumer Credit business with total of 500K users & avg loan size of Rs. 2K. Powered the vendor financing business with avg loan size of Rs 700K

App & E-Commerce Funnel – Partnered with product verticals to optimize user behavior & E-Commerce Funnel experience. Improved conversion by 50-100 bps across each step of the funnel using A/B testing

Marketing & CRM – Increased Flipkart’s CRM conversions by 40%, created new marketing & customer engagement frameworks for BUs and, created new Insights to better understand customer journeys

CX - Improved Flipkart’s customer NPS score from 15 to 55 over a 9-month period by segmenting customers across various signals and enabling personalization across customer service, returns, etc YAHOO, Sunnyvale, CA

Sr. Product Manager, Ads & Consumer Analytics 2013 – 2015 Launched new Analytics, Campaign Management & BI tools for Advertisers & Agencies, and internal Sales & Marketing teams as Yahoo refocused from a desktop- & publishing-focus to a data-& mobile-first firm.

Campaign Effectiveness – Launched new Analytics Products across Targeting, Campaign Measurement & Effectiveness to help Advertisers understand users’ interactions with Ads and other brand-related content

Targeting - Launched Yahoo Brand Index as a scorecard of brand health & created Audience Segments using brand engagement. Managed efforts of 20+ people across product, engineering and analytics FINANCIAL SERVICES - PRODUCT & MONETISATION, New York, NY 2000 - 2013 CREDIT SUISSE, Director of Product & Monetization 2011 – 2012 BARCLAYS CAPITAL, VP, Product & Monetization 2002 – 2011 STANDARD & POOR’S, Product Manager, Index Services 2001 – 2002

Lead Product, Marketing, Strategy & Monetization for Quantitative and Credit Risk-focused businesses

Conceived, built & scaled several disruptive businesses from scratch to a $100mm revenue run-rate - built Credit Suisse’s fastest growing business and built a $250mm business at Barclays over 4-years

Managed, and built global, multi-cultural teams across the US, EMEA & Asia-Pac. Largest team size of 30+ people at Barclays with team members from more than 10 countries EDUCATION & INTERESTS

Indian Institute of Management, Ahmedabad, India M.B.A., 2000 Graduated in the Top 15% of the class

Indian Institute of Technology, Madras B.S. in Engineering, 1998 Graduated in the Top 10% of the class

Voracious reader; fan of socio-economists like Jared Diamond & Yuval Noah Harari

Sports: Yoga practitioner; Red Belt in Taekwando. Enjoy outdoors, hiking and skiing. Avid biker

Active speaker in Product, Tech and FinTech conferences

Contact this candidate