Say hi
Available · Full-time
Bengaluru, India
B1/B2 Visa · Valid to Oct 2035

Technical Platform Product Manager/ Architect BUILDING big, boring, beautiful THINGS.

Architected one multi-tenant data platform. Shipped one $2B payments infrastructure. Launched one US credit card program. A handful of awards. I'm Parth - I own systems end-to-end, and I build what banks bet their license on.

Scroll

Impact · Measured

yes, with a B!
$0B+
Annual card transactions powered across Mastercard rails for Optum (United Healthcare Group - Fortune 3).
Virtual Cards
0K+
Card issuances achieved in Sparrow Card's first year, Zeta's first US credit card program.
US Launch · Jul '24
$0K / YR
Annual infrastructure costs eliminated through platform architecture decisions and removing MongoDB dependency.
Platform Economics
0DAYS
Cut from client onboarding - what used to take 4 months now takes 30 days, standardized and repeatable.
GTM Velocity
03 · Featured Cases · 2022-2025

Selected work

Case /001

Optum Financial · UHG

Virtual Card
issuance platform

0 P1/P2 defects into production. 9 functional areas. Clean regulatory sign-off from a Fortune 3. Mastercard open loop rails.

$2B+

Annual disbursements enabled → US healthcare providers

Owned product strategy end-to-end for a Fortune 3 enterprise - discovery through regulatory sign-off, 9 functional areas, zero defects. Architected a real-time FRM rules engine with configurable merchant/amount/risk thresholds. Authored API specs and enforced QA across the full card lifecycle - issue, cancel, reissue, reset - webhooks, idempotency, error handling, fallback. Drove FeatureSpace ML integration for real-time fraud detection. Built transaction traceability so UHC compliance could investigate, resolve disputes, and debug production in real-time.

Mastercard Rails Virtual Cards FRM Engine ML Fraud Detection API Architecture Webhooks Dispute Resolution

Case /002

US + EMEA Banking

Multi-tenant
data platform

Config-driven architecture. 1200+ governed attributes. Medallion layers with enforced data contracts. Single point of architectural decision-making.

$50K / YR

YoY infrastructure savings. GTM cut 90 days. CSAT 2.5 → 4.0.

Rearchitected from engineering-led one-off builds to a fully platformized, subscription-based system. Killed the MongoDB dependency. Mandated multi-tenant, config-driven architecture - optimized for platform reliability over short-term client demands. Codified platform guarantees, SLAs, ingress/egress strategy, canonical ingestion and transformation patterns. Enforced a governed semantic layer across 1200+ attributes with full lineage, GDPR & Sanctions handling, RBAC, and freshness SLAs. New banking clients now go live in 30 days via standardized playbooks - no code changes required.

Medallion Architecture Data Contracts dbt · Airflow Kafka · S3 GDPR & Sanctions Compliance Multi-tenant Semantic Layer 20+ Schemas

Case /003

Evolve Bank · Zeta

Sparrow Card
US market launch

Zeta's first US credit card program. Stood up the ops and support function from zero.

100K+

Issuances by Jul 2024 · 2× revenue vs projections by Dec '24

Ran a multi-phase market launch from onboarding through BAU operations. Stood up the US support & ops function from zero - first response time -99%, CSAT 2.5 → 4.6 in 3 months. Designed webhook/API-based support automation, owned vendor onboarding, hired the team, ran training, and closed client feedback loops. Managed 300+ releases with 89% SLO and 99% SLA adherence. Planted Zeta's flag in the US fintech market.

Credit Card Launch US Banking Evolve Bank Ops Infrastructure 120+ SQL Dashboards 300+ Releases
Parth.

Working Principle · No. 01

I architect platforms the way systems engineers build critical infrastructure - constraints are features, simplicity is earned, and the most important line of code is the one we decided not to write.

From my desk · Bengaluru

Working Principle · No. 02

Own it. Ship it. Defend it.

What every person I've worked with
has heard from me

the journey

2021 · 2026

Sep 2024 - Present

Zeta.

Technical Product Manager - Data Platforms (US + EMEA)

  • Sole architectural decision-maker for a financial data platform serving enterprise banks across US + EMEA.
  • Eliminated MongoDB dependency - $50K/year infra savings unlocked through platform rearchitecture.
  • Data contracts across 1200+ attributes, with lineage, GDPR, Sanctions RBAC, SLAs for regulated banking.
  • Integration roadmap for 10+ third-party sources - DigiFi, Equifax, TransUnion, MoEngage, FeatureSpace, Qualco, Xero, Decta, GoCardless.
  • Client onboarding reduced from engineering-led builds to 30-day standardized deployments.

May 2022 - Aug 2024

Zeta.

Technical Program Manager - US & India Banking Program Lead

  • Led Sparrow Card US launch with Evolve Bank - 2x revenue & 100K+ issuances in first year vs projections by Dec '24.
  • Built US support & ops from scratch - first response time -99%, CSAT 2.5 → 4.6 in 3 months.
  • 120+ real-time SQL dashboards. 300+ releases managed. 89% SLO, 99% SLA adherence.
  • Led RBI-mandated wind-down of 22 fintechs in 60 days across product, BI, engineering, bank partners.

Feb 2021 - Apr 2022

HackerEarth.

Project Manager - Enterprise & SMB Recruitment

  • 60+ enterprise & SMB programs delivered. NPS 9. Churn reduced by 25%.
  • ₹38L ($46K) revenue in 9 months - referrals and upsells.
  • 7+ case studies with Google, Microsoft, Accenture, Walmart Global Tech, HCL Sweden, Husqvarna.
CAPABILITIES

what do I bring to
the table?

The stack · End to end

◦ Fintech, Platform & Payments

  • Card issuance
  • Virtual cards & BIN mgmt
  • Fraud detection & FRM
  • REST · GraphQL APIs
  • Webhook architecture
  • Idempotency systems
  • Event-driven systems
  • Medallion architecture
  • Multi-tenant design

◦ Data & Infrastructure

  • Data contracts
  • Schema governance
  • DBT · Apache Airflow
  • Kafka · S3 · Batch · API ingestion
  • ETL · ELT pipelines
  • OLTP · OLAP systems
  • GDPR · PII · Lineage · Sanctions · OFAC
  • Metabase · Superset
  • SQL · Python · MongoDB

◦ Product & Leadership

  • PRD · BRD · GTM
  • Agile · Scrum · RACI · Kanban
  • OKR · Product Roadmapping
  • CxO-level stakeholder mgmt
  • AI workflows · Claude · Cursor · Copilot
  • Figma · Notion · Jira
  • 0-to-1 platform builds
  • Enterprise banking
  • CSAT & ops scaling

Shipped with · Banked by · Integrated through

Mastercard Visa Optum Financial UnitedHealth Group HDFC Bank IDFC Bank Evolve Bank Focus Bank AWS FeatureSpace TransUnion Equifax DigiFi Zeta MoEngage Qualco Decta GoCardless Zendesk + Freshdesk Tabapay Lighthouse Office of Foreign Assets Control (OFAC) Mastercard Visa Optum Financial UnitedHealth Group HDFC Bank IDFC Bank Evolve Bank Focus Bank AWS FeatureSpace TransUnion Equifax DigiFi Zeta MoEngage Qualco Decta GoCardless Zendesk + Freshdesk Tabapay Lighthouse Office of Foreign Assets Control (OFAC)

Manifesto | No. 00

I believe fintech infrastructure should ship with zero critical defects and read cleanly end-to-end. The best product people think like customer-first architects. The best architects think like systems engineers. The best systems engineers sweat the edge cases before shipping.

I don't over-engineer. I don't underthink. I enforce earned simplicity - the kind you only get after mapping every edge case and deliberately, strategically deciding what not to build. Customer needs at the front. Platform reliability at the core.

Now? I'm hunting for the next impossibly ambitious thing to own. yes, I'm that guy
no, I'll not slow down

recognition

Six awards · 2021-2024

Jul 2024 · Annual

Outstanding Award Sparrow Card · US Ops · Platform Stability

● Zeta

2

Mar 2024 · Quarterly

Mountain Mover US Support Automation

● Zeta

Dec 2023 · Quarterly

Mountain Mover Platform Stability Initiative

● Zeta

Nov 2022 · Quarterly

Shining Star Wind-down Program Execution

● Zeta

HE

Jan 2022 · Quarterly

Spot Award SMB Churn Reduction

● HackerEarth

PM

Jun 2021 · Quarterly

Spot Award Ownership Beyond Scope

● HackerEarth

certifications

Three · 2023-2024 · Udemy & Atlassian

Udemy

Issued Jan 2024

API & Web Service Introduction

REST APIs Web Services +2 skills
Verified Jan '24

Atlassian

Issued May 2023

Agile with Atlassian Jira

JQL Scrum +2 skills
Show credential ↗ ID · RMEBHDSY2E48

Atlassian

Issued May 2023

Confluence Fundamentals Badge

Confluence Jira

[thoughts, absurd, aloud.]

Vol. 001 · Essays · Medium

On fintech, credit cards, tech culture, and the occasional metaphysical detour.

Feature · Fintech Strategy

OLX is a crime scene. Is the cure a pivot into becoming a fintech?

Medium ~8 min read Analysis

A marketplace drowning in fraud, user trust collapsing in real time. The unlock is not a safer listing flow - it's a completely different business model.

Essay · Culture

The metro housing crisis is not a "you problem"

Medium
~7 min

Essay · Product · Hot Take

Why are PM interviews still obsessed with guesstimates like it's 2009?

Medium
~6 min

Essay · Tech Culture

The mental debt of being in tech

Medium · ~5 min

Essay · Philosophy

Metacognition as quantum superposition: rethinking how we think

Medium
~9 min

More writing

Read every piece on Medium

Archive · All essays

Series - Decoding Credit Cards

A five-part deep dive · Everything there is to know, from issuance to interest calc.

HELLO · HELLO · HELLO · HELLO · HELLO · 

Let's talk

GOT SOMETHING Brewing?

Open to Product & Platform roles - India and global.
Fintech, data infra, big tech, early-stage.
If you're building something ambitious and need someone who can own it end-to-end, let's find 20 minutes.

Bengaluru, IN Open to relocation B1/B2 Visa · Oct 2025 - Oct 2035 Full-time