Karthik Raman

I’m an Associate Director of Product at Zeta, where I’ve built the authentication layer, then the risk layer, then the consumer products that run on both—three compounding bets that now contribute ~30% of a $100M+ ARR company’s revenue across 10L customers. I make judgment calls, not consensus calls, and I set up teams so they outlast the person through frameworks, rubrics, and systems that keep operating independently.

In PIXEL Studio, I set strategic direction for HDFC Pixel’s post-issuance platform: defined north star metrics beyond activation, rebuilt onboarding as a trust architecture problem, and moved conversion from 0.1% → 2%. I owned customer health strategy—defining at-risk signals and building support ops and self-serve infrastructure—improving CSAT 55 → 73 and reducing tickets from 21K → 7K/month while protecting recurring revenue.

Across Orcus and ACS, I’ve driven 0-to-1 and real-time platform outcomes: built Orcus from scratch as a durable risk infrastructure moat, scaling to 1M transactions/month at peak and getting HDFC Bank to adopt Orcus as its primary risk layer. I also initiated and deployed an internal agent for PM workflows, with the belief that AI multiplies PM output only when it operates within defined scope—not as a general-purpose tool.