Meenal Tiwari
@meenaltiwari
Senior Product Manager building cross-border payments and AI-native financial products for faster, smarter settlements.
IndiaWhat I'm looking for
I’m a Senior Product Manager specializing in cross-border payments and AI-native product development, with 5+ years across NPCI, YES Bank, and JM Financial. I architected UPI international expansion across the UAE, Singapore, and Europe (3 live corridors in 12 months) and led India’s first CBDC (Central Bank Digital Currency) on BHIM with RBI.
At JM Financial, I independently shipped AI-powered financial products with no engineering team—building an Investment Basket 0-to-1 for 1.5 lakh HNI clients, delivering full MTF end-to-end, and creating a CallScore AI system that cut manual QA time by 80%. I also compress sprint planning from 2 weeks to 2 days using AI agents, and I enjoy translating complex domains like SWIFT, ISO 20022, FX settlement, and AML/KYC into pragmatic product roadmaps and go-to-market execution.
Experience
Work history, roles, and key accomplishments
Senior Product Manager
JM Financial
Jul 2025 - Present (11 months)
Built a WealthTech AI investment-basket product for 1.5 lakh HNI clients (2,700 investors, 9,300+ subscriptions at launch) and delivered full-stack features solo using Claude API, Flutter, and Supabase. Shipped end-to-end MTF margin trading, launched CallScore AI (80% reduction in manual QA time), and used AI agents to cut sprint planning from 2 weeks to 2 days (10x delivery speed).
Product Manager
NPCI
Jan 2023 - May 2025 (2 years 4 months)
Architected UPI global expansion across UAE, Singapore, and Europe, achieving 3 live corridors in 12 months and enabling real-time NRI settlements at scale. Led India’s first CBDC product on BHIM with RBI (sub-1-second settlement at national scale), launched UPI AutoPay (SBMD) and e-RUPI to increase recurring transactions by 52%, and drove 46% user growth with 32% more downloads in 6 months.
Product Strategy Manager
Safexpay
Jan 2022 - Dec 2022 (11 months)
Built an India–Gulf B2B payments gateway with direct Middle East bank integrations, covering FX settlement, remittance, transaction monitoring, and merchant collections across the corridor. Onboarded 10,000+ education institutes and grew platform sales 68% YoY across 6 product initiatives.
Deputy Wealth Manager
YES Bank
Jul 2021 - Sep 2022 (1 year 2 months)
Managed HNI portfolios across equity, PMS, mutual funds, debt, structured products, bonds, and alternate assets, reaching Rs. 20Cr AUM in year one and 3x revenue MoM. Built and maintained portfolio strategy aligned to client objectives and product capabilities.
Education
Degrees, certifications, and relevant coursework
ITM Business School
Master of Business Administration, Finance
2019 - 2021
Completed an MBA in Finance at ITM Business School, Mumbai from 2019 to 2021.
Pt. Ravishankar Shukla University
Bachelor of Commerce, Commerce
2015 - 2018
Completed a BCom at Pt. Ravishankar Shukla University from 2015 to 2018.
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
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