Product Manager Principal

Kunal Shah *************@*****.*** 619-***-****

https://www.linkedin.com/in/kunal-shah-52983a61/

Kunal Shah kunalshah1907@2416 Sullivan, gmail.Irvine, com United (619) States, 200-*****-**** 2416 Sullivan, Irvine, United States, 92614

Principal Product Manager

Accomplished Principal Product Manager with deep expertise in fintech, digital banking, and AI-driven financial solutions. Skilled at leading enterprise-wide innovation in money movement, real-time payments, BNPL, and commercial banking products. Proven track record of driving digital transformation, optimizing regulatory compliance, and integrating fintech ecosystems. Passionate about developing scalable, secure, and data-driven financial platforms that enhance operational efficiency and user experience.

Key Achievements & Impact

• Increased digital banking transactions by 68% through strategic AI/ML-driven integrations.

• Implemented fraud detection protocols, saving $500K annually.

• Reduced customer churn by 18% via AI-driven customer retention strategies.

• Enhanced investment portfolio management tools, boosting user engagement by 30%.

• Developed POS systems that streamlined customer onboarding, reducing activation time by 40%.

• Optimized payroll and money movement solutions, improving operational efficiency and compliance.

• Led BNPL and real-time payments implementations, increasing adoption rates by 35%. Accomplishments

Key Achievements & Impact

• Transformed digital banking, skyrocketing transactions by 68% through cutting-edge AI/ML integration.

• Engineered advanced fraud detection, securing $375 in annual savings while fortifying financial security.

• Slashed customer churn by 18% with AI-powered retention strategies, enhancing user loyalty.

• Revolutionized investment portfolio tools, driving a 30% surge in user engagement.

• Designed next-gen POS systems, accelerating customer on-boarding and cutting activation time by 40%.

• Pioneered BNPL and real-time payments solutions, fueling a 35% increase in adoption rates. Career Experience

Lead Product Manager at Finfare,Inc, Irvine, CA September 2024 — Present

• Spearheading AI-driven fintech solutions for small businesses, including commercial charge cards, business banking, bill payments, and POS payments.

• Leading vendor marketplace integrations, boosting vendor adoption by 45% and streamlining supplier transactions.

• Automate financial operations, reduce manual processing by 30%, and enhance transaction security.

• Launching real-time payments and AI-based credit risk models, increasing approval rates by 20%. Page 1

• Developed a self-service analytics dashboard, increasing user engagement by 30%. Lead Product Manager at ADP, Pasadena, CA August 2022 — August 2024

• Managed Wisely Pay Card, focusing on seamless on-boarding, pay card management, and self-service enhancements.

• Reduced call center inquiries by 52% through AI-driven IVR, chatbot automation, and enhanced mobile self-service features.

• Designed and deployed a real-time financial insights dashboard, enabling 360 visibility for cardholders.

• Led integrations with sponsor banks, card printers, and payment networks to enhance card issuance and payment processing.

• Optimized AI-driven payment solutions for money movement, increasing digital transaction volume by 45% and reducing processing times by 30%.

• Implemented real-time fraud detection (RTD) models and two-way SMS verification, reducing fraudulent transactions by 28%.

• Drove Apple Pay & Google Pay adoption, increasing enrollments by 38%. VP, Digital Product Manager at City National Bank, Los Angeles, CA March 2018 — August 2022

• Led AI-driven money movement optimizations, reducing transaction errors by 40% and increasing processing speeds by 35%.

• Enhanced digital banking solutions, improving self-service enrollments by 62%.

• Led TSYS1 to TSYS2 migration for credit card processing, ensuring seamless transition and operational efficiency.

• Implemented deposit account processing enhancements with FIS, optimizing banking operations and reducing processing delays.

• Integrated Plaid and MX for a 360 financial view, improving customer insights and financial data aggregation.

• Developed AI models for financial health analysis, providing personalized recommendations and self-service options.

• Led digital wallet integrations, improving mobile payment adoption and customer engagement.

• Enhanced credit card payment solutions for BNPL and installment payments, increasing accessibility and user adoption.

• Implemented an entitlement mechanism for role-based business onboarding, enhancing security and access control. Senior Business Systems Analyst at Walt Disney Studios,, Glendale, CA October 2016 — March 2018

• Developed automated residual payment systems, reducing approval times by 25% and improving compliance.

• Enhanced dispute resolution processes, reducing case resolution time by 30%.

• Led improvements in digital payment infrastructure, optimizing financial transactions and reconciliation accuracy.

• Implemented easy rule deployment mechanisms, accelerating policy updates and reducing operational overhead.

• Reduced duplicate invoicing and check errors by 40%, enhancing financial accuracy and minimizing revenue leakage. Senior Product Analyst at ADP, Camarillo, CA June 2013 — September 2015

• Implemented a time management system for payroll, reducing processing times by 30%.

• Integrated customer feedback loops, improving user satisfaction and reducing service tickets by 20%.

• Drafted product specifications that reduced post-launch issues by 25% and accelerated time-to-market. Page 2

Quality Assurance Engineer at Wells Fargo, San Francisco, CA March 2013 — May 2013

• Led QA testing for digital wallets and wearable payment systems, improving release stability by 15%.

• Pioneered new testing methodologies for mobile payment security and compliance. Quality Assurance Test Engineer at American Honda Motors, Torrance, CA May 2012 — March 2013

• Implemented QA measures improving product reliability and customer satisfaction.

• Reduced defect rates by 20% through process optimizations and automated testing frameworks. Education

MBA in Project Management, September 2015 — December 2016 United States University, San Diego, CA

Master of Science in Engineering Management, May 2013 — August 2015 International Technological University, San Jose, CA MBA, January 2011 — March 2013

Southern States University, San Diego, CA

Bachelor of Science in Mechanical Engineering, June 2005 — July 2009 Gujarat University, Ahmedabad, India

Areas of Expertise

AI/ML-Driven Product

Development & Strategy

Digital Banking & Fintech

Solutions & Embedded

Finance

Advanced Payment

Ecosystems

Comprehensive Card

Solutions (Debit, Credit,

Commercial Charge, Payroll)

Payroll & Workforce Financial

Management (EWA, EDD,

WFM, Contractor & Gig

Payments)

Next-Gen POS & Merchant

Acquiring Solutions

API-First Banking & Fintech

Integrations

Enterprise-Grade Fraud

Prevention & Risk

Analytics (AI-Based RTD,

Behavioral Biometrics,

Two-Way Authentication)

Regulatory & Compliance

Leadership (KYC, AML,

PCI-DSS, GDPR, PSD2,

FedNow Readiness)

Agile Product Leadership

(Lean, SAFe, Growth Hacking

for Fintech Scale-Ups)

AI-Driven Financial

Decisioning & Customer

Personalization

Licenses & Certifications

Certified SAFe Product Manager/Product Owner (PM/PO) Page 3

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