I’m looking to lead product and platform strategy in banking/fintech compliance or reg-tech industry across Client Onboarding, KYC, AML & Identity Verification services —owning discovery through delivery, using AI automation to improve STP and efficiency, and driving governance, adoption, and measurable revenue/KPI outcomes.
Looking for a job
Saptarshi Ray
@saptarshi_ray
I lead banking Fintech/ Reg tech products in Client Onboarding, KYC & Identity verification services,
IndiaWhat I'm looking for
Head of Product Management and Platform leader specializing in Enterprise SaaS solutions for Banking and RegTech, driving CLM, KYC/ KYB , Crypto-Compliance , Identity & Fraud,, AML, and Client Onboarding product strategy for global financial institutions. Open to Head of Product, Director of Product Management and Senior Product Leadership opportunities. I lead end-to-end product strategy and execution across Client Lifecycle Management (CLM), Client Onboarding, KYC/KYB, and Financial Crime platforms used by Tier-1 and Tier-2 banks globally. My scope includes ownership of product vision, strategy, roadmap, delivery, go-to-market, pricing, packaging, and commercial outcomes. I specialize in translating complex regulatory requirements into scalable, API-led, workflow-driven platforms operating in live banking environments, partnering closely with Engineering, Operations, Legal, Info-Security, Risk, Sales, executive leadership, and strategic ecosystem vendors. Lead crypto RegTech product strategy by bridging traditional KYC with blockchain analytics, automating KYW (Know your Wallet) and transaction monitoring for digital assets. I have led strategic partnerships with data, screening, and verification providers, driving ecosystem integrations and build-vs-buy decisions to optimize cost, coverage, and time-to-market.
Known for: •
Building and scaling KYC, CLM, AML, and Loan Origination platforms in regulated banking environments
• Translating regulatory requirements into practical rules-driven workflows
• Leading go-to-market strategy, pricing, and packaging for Enterprise SaaS platforms
• Driving measurable product outcomes including faster onboarding, improved data accuracy, stronger adoption, and ARR growth
• Leading cross-functional execution across Engineering, Risk, Compliance, Policy, Operations, and Sales
Deep domain expertise across CLM, KYC/KYB, Client Due Diligence, Periodic Reviews, Perpetual KYC, AML, and Loan Origination.
Experience
Work history, roles, and key accomplishments
Led a product portfolio across a BFSI SaaS platform for client onboarding, KYC/KYB, fraud, and crypto compliance, owning product vision, roadmap, GTM, pricing, and delivery. Drove AI/ML, GenAI, RPA, APIs, and automation initiatives delivering 30% operational efficiency gains.
Vice-President & Lead Product Owner
Aug 2021 - Jul 2024 (2 years 11 months)
Owned end-to-end product lifecycle for global client lifecycle management and KYC/KYB/fraud platforms across 90+ countries. Led regulatory and technology transformation and multi-squad Agile delivery, establishing governance and operating standards for consistent execution quality.
Senior Manager / Senior Business Analyst
Apr 2019 - Jul 2021 (2 years 3 months)
Led a business analyst team across geographies to deliver CLM experience via Fenergo for onboarding, periodic refresh, KYC, and regulatory processes (MiFID II, FATCA, CRS). Designed Fenergo journeys that replaced manual, fragmented workflows with rule-driven CLM execution.
SL
Manager & Product Owner
SLK Software Pvt Ltd
Feb 2016 - Apr 2019 (3 years 2 months)
Owned digital strategy for wholesale credit decisioning and loan origination for a 1,000+ member team. Led product strategy, roadmap, backlog, release planning, UX, and sprint planning to drive execution.
Manager / Product Owner (Wholesale Credit)
SLK Software Pvt Ltd
Feb 2016 - Apr 2019 (3 years 2 months)
Owned digital strategy for wholesale credit decisioning and loan origination for a 1,000+ member team. Led product strategy, roadmap, backlog, release planning, UX, and sprint planning to drive delivery of credit and origination capabilities.
SL
Manager & Product Owner
SLK Software Pvt Ltd
Jan 2013 - Feb 2016 (3 years 1 month)
Led KYC transformation initiatives across onboarding, screening, and regulatory workflows. Delivered platform and workflow automation to improve efficiency and compliance adherence.
Manager / Product Owner (KYC Transformation)
SLK Software Pvt Ltd
Jan 2013 - Feb 2016 (3 years 1 month)
Led KYC transformation initiatives across onboarding, screening, and regulatory workflows. Delivered platform and workflow automation to improve efficiency and adherence to compliance requirements.
Associate Manager / Business Analyst
SLK Software Pvt Ltd
Nov 2011 - Jan 2013 (1 year 2 months)
Led 100% requirements management for an AML transaction monitoring alert generation engine. Produced and maintained requirements to support alert generation and regulatory monitoring workflows.
SL
Associate Manager & BA
SLK Software Pvt Ltd
Nov 2011 - Jan 2013 (1 year 2 months)
Owned 100% requirements management for an AML transaction monitoring alert generation engine. Translated AML requirements into structured outputs to support alert generation workflows.
SL
Associate Manager & Consultant
SLK Software Pvt Ltd
Dec 2010 - Nov 2011 (11 months)
Supported proposal, RFI, and RFP responses with monthly throughput of 20–25 proposals totaling $3M value. Contributed to commercial bid preparation and requirements articulation.
WS
Business Analyst & Ops
Wells Fargo India Solutions
Aug 2009 - Apr 2010 (8 months)
Worked in Business Analysis and Operations supporting organizational delivery needs. Delivered BA/ops responsibilities across processes during the employment period.
GS
Business Analyst & Ops
GE Money Servicing
Sep 2005 - May 2009 (3 years 8 months)
Worked in Business Analysis and Operations providing support across business processes. Contributed to analysis and operational execution activities during the role.
Worked in a Credit card Process
CC
Proprietor, Cyber Café
Cyber Café
Jul 2000 - Aug 2004 (4 years 1 month)
Operated and managed an entrepreneurial cyber café business. Owned day-to-day operations from July 2000 to August 2004.
Education
Degrees, certifications, and relevant coursework
Symbiosis Centre for Distance Learning
Post Graduate Diploma in Management (PGDM), Finance
2016 - 2018
Completed a PGDM in Finance at Symbiosis Centre for Distance Learning from 2016 to 2018.
Calcutta University
Bachelor of Commerce (Honours), Commerce
1997 - 2000
Earned a BCom (Honours) degree from Calcutta University from 1997 to 2000.
Tech stack
Software and tools used professionally
Availability
Looking for a job
Location
IndiaAuthorized to work in
Social media
Job categories
Skills
Vision And StrategyUXAgileWaterfallProduct DiscoveryAgile DeliveryGovernanceBacklog ManagementChange ManagementGo Live ReadinessCutover PlanningHypercare SupportProduct VisionProduct StrategyProduct RoadmapGTMPricingRevenue GrowthCross functional LeadershipStrategic PartnershipsProduct PositioningClient Lifecycle ManagementKYCKYBAMLIdentity VerificationFraud PreventionFinancial CrimeRisk & ComplianceGenAIRPAAPIsCloudJiraAzure DevOpsConfluenceVisioMiFID IIFATCACRSGmailJanRay
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