Product Owner / Product Manager · Regulated Banking & Fintech

I translate regulatory complexity into products that people can actually use.

12+ years in banking and fintech — including over a decade owning products end-to-end — delivering compliance-driven digital banking platforms for U.S. Bank, JPMorgan Chase, ADCB, and Mashreq Bank.

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12+

years, banking & fintech

19M+

users on platforms I've owned

60%

reduction in manual overrides, Preferences Platform

disruptions across 3 geographies, LIBOR→SOFR

Selected Work

Case Studies

All client-identifying visuals are illustrative recreations — real employer/client work stays confidential per NDA.

ComplianceConsent Management2025

60%fewer manual overrides · 19M+ users

Privacy & Email Marketing Preferences

One micro-frontend across four channels for 19M+ customers — and a standalone Do-Not-Call page that asks only for what the regulation needs.

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UX / Access ControlInternal Tools2024

99%adoption across 5 banker roles

Banker Experience Evolution

Entitlement-driven navigation redesign across 5 banker personas — cutting redundant configuration and speeding releases.

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Regulatory ChangeCommercial Lending2021–2022

0disruptions across 3 geographies

LIBOR→SOFR Regulatory Transition

Owning the benchmark-rate migration backlog across commercial lending platforms in 3 geographies, zero disruptions.

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Trade FinanceOCR / Automation2018

Days→minLC/BG document turnaround

Trade Finance Automation — AutoRec

Turning days-long LC/BG document processing into minutes with OCR-based rule validation against ICC/UCP standards.

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Built by me · Open source

CareerLogic

A working system I use every day, with public code — not a prototype or a mock-up.

Workflow automationRules, evals & guardrails2026

1 in 7postings earn a full evaluation

A rule-based pipeline for my own job search

Every posting screened against seven explicit eligibility rules; of 7,547 screened, 85% set aside before any application work. No invented claims in any CV, and a human decision before anything is sent.

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Code: github.com/sashankpm-web/careerlogic

Product Thinking

Teardown

Independent analysis of a public product — no NDA, no client ties.

AI in regulated bankingU.S. vs. India

Erica vs. EVA — how two regulated banks ship conversational AI

Bank of America's Erica and HDFC Bank's EVA, measured against what the CFPB and the RBI now expect from AI in customer service.

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Range, Not Pivot

0→1 Concept

Self-initiated, not client work — a new category, a wedge, a growth loop and a go-to-market plan.

Privacy & consentIndia · DPDP ActSelf-initiated

One place for every "yes": a consent dashboard for India

India's new data-protection law creates the Consent Manager — a role that doesn't exist yet. How I'd take a product into that space from zero.

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Point of View

Writing

Short pieces on what twelve years of regulated product work has taught me.

AutomationHuman in the loop

Automate volume, not judgment

Trade finance and my own job search taught me the same rule: automate the repetitive work, keep judgment for the exceptions.

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Regulated productsCompliance

Compliance is a product requirement, not a gate

Bringing regulatory conversations into discovery and refinement, instead of a review just before launch.

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Product strategyPlatform thinking

Building a privacy platform instead of another privacy feature

When investing in a platform makes the next five changes easier than doing the current one as a one-off.

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Product managementPrioritization

Prioritization is deciding what not to build yet

Regulatory commitments, tech debt and business requests competing for the same capacity — and how to explain what waits.

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What colleagues say

In their words

“I had the opportunity to work with Sashank on ADCB, and I was impressed by his strong product thinking, ownership, and ability to collaborate effectively across teams. He consistently brought clarity to complex problems, was dependable in execution, and contributed meaningfully to delivering quality outcomes. It was a pleasure working with him, and I’d gladly recommend him to anyone looking for a thoughtful and reliable product professional.”

Rengakrishnan Ganesh Associate Principal Product Engineer, Temenos · worked with Sashank on the same team at ADCB, Abu Dhabi
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About

Regulated platform delivery, not growth hacking.

I'm a Senior Product Owner / Product Manager who translates regulatory requirements — GLBA, TCPA, FCRA, CAN-SPAM, CALFIPA — into product features and consent workflows. I'm not a growth PM, consumer-app PM, or gaming/social PM: I build for institutions that answer to regulators.

Sashank at his desk on the bank's floor in Abu Dhabi, with a UAE flag on the partition — Onshore in Abu Dhabi, 2016–17

Sashank, smiling, in a white t-shirt outdoors — Off the clock

Regulated institutions don't get to ship first and fix compliance later.

The throughline across 12+ years isn't one company or one product — it's the domain. Core banking UAT at Maveric (Citibank, Gulf International Bank) taught me how a single Oracle FLEXCUBE defect ripples through CASA and loan servicing. Digital banking optimization at ValueLabs, onshore in Abu Dhabi, taught me what it means to deliver product change inside a live retail bank's operational rhythm. Trade finance automation at Gradmener (Mashreq Bank) taught me that "automate it" is a real question, not a default — OCR extraction still had to answer to ICC/UCP 600 and SWIFT message validation, not the other way around. Commercial cards workflow at Mphasis (JPMorgan Chase) was my first sustained Salesforce ownership. And at Cognizant since 2021 — across JPMorgan Chase's LIBOR-to-SOFR transition, Fiserv's alerts & controls migration, and now U.S. Bank's privacy and banker-experience platforms — the pattern held.

I'm CSPO certified, with additional training in Digital Product Management (University of Virginia) and product analytics (Pendo Academy), and since 2022 I've also been a reporting-line manager — today for six senior consultants — alongside my product work. What's next: Senior, Lead, or Principal Product Owner roles — and selectively, Senior Product Manager roles — in regulated banking, fintech, and compliance-driven platforms. Open to Hyderabad/Bengaluru onsite, India-remote, or international relocation.

Also exploring Regulated-platform delivery is where my depth is — it's also, structurally, backlog ownership on something that already exists. I'm deliberately building range on the other side: 0→1 growth-loop and GTM thinking (see the concept above), toward Commercial or Growth PM work where the problem starts from zero, not from a compliance backlog.

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