Shreenivas Joshi

Serving select FinTech clients on credit platform strategy, AI-driven underwriting, and product operating model transformation. Advising early- and growth-stage fintech founders on lending product architecture, credit risk frameworks, and go-to-market strategy across India and Southeast Asia.

Empowering Indonesians with financial freedom through fintech solutions and improving financial literacy. Advising co-founders on innovative fintech solutions including lending products, credit risk frameworks, and go-to-market strategy across Indonesia.

Partnered with C-suite and cross-functional leaders to diagnose growth and retention gaps across the core lending portfolio; produced a prioritised 12-month product roadmap adopted by the CEO. Designed and drove 5+ product initiatives combining AI-driven pricing, underwriting model refinements, and UX flow improvements - collectively reducing credit loss rates by 10% while simultaneously growing r

Built and led a 30+ member product organisation spanning Product Management, UX Design, and User Research; introduced structured career ladders, OKR frameworks, and PM competency matrices, reducing voluntary attrition by ~30% and improving delivery predictability. Defined product vision and multi-year roadmap across lending, payments, and credit infrastructure; presented strategy and business case

Managed 15 Product Managers across Payments, Insurance, and Investment verticals - one of the largest PM organisations in Indonesian FinTech. Owned end-to-end product strategy for Insurance and Investments, establishing OVO as a credible financial services platform beyond payments.

Recruited, structured, and led an 8-member product team from scratch during the company's fastest growth phase. Scaled the platform 5× during the pandemic by pivoting product mix to digital-first, remote-friendly insurance categories - achieving this growth without a proportional headcount increase.

Owned Product, Engineering, and UX for ZebPay at peak-market scale; defined product strategy that measurably improved onboarding conversion and user activation. Led end-to-end launch of a new Australian cryptocurrency exchange, managing regulatory compliance, localisation, and technical workstreams simultaneously - delivered in under 6 months.

Led a 12-member product team serving India's largest enterprise merchants across e-commerce, travel, and fintech verticals. Drove 30%+ YoY transaction volume growth through checkout flow optimisation, payment success rate improvements, and dynamic routing enhancements.

Owned APAC bank transfer portfolio across Australia, India, Japan, China, and Southeast Asia - representing ~$1.5B in annual payment volume; delivered multi-million dollar annual cost savings through simplified integrations and settlement optimisation. Launched multi-currency wire withdrawal for large merchants, unlocking cross-border payout at scale; the feature drove an 8% increase in merchant p

Led PayPal's SEPA migration across 20+ EMEA countries - a regulatory-mandated programme affecting 20M+ users and 3B+ in annual payment volume; delivered on time with zero regulatory penalty. Introduced American Express card acceptance in Australia, expanding PayPal's funding instrument coverage; Amex-funded transactions represented 8% of Australian checkout volume within 3 months.

Co-led the Payment Intermediation Programme - a strategic initiative to transition eBay's global payments infrastructure affecting 4M+ sellers and $2B in annual GMV. Designed Virtual Account Matching system, achieving 99.95% reconciliation accuracy - directly reducing payment disputes, chargeback rates, and operational overhead at scale.

Launched Remote Deposit Capture and Multi-factor Authentication products - capabilities that became industry-standard across US retail banking within 3 years of launch. Managed end-to-end product roadmaps, balancing priorities across multiple US financial institution partners simultaneously.

Bachelor of Engineering in Computer Engineering from the University of Mumbai, completed in 1997.