Tal Gitmul

Independent advisory work in fintech and payments, including expert consultations through professional networks such as and select freelance engagements. Advising on core platform modernization, system migrations, and financial ledger architecture, drawing on 15 years across crypto payments, core banking, and regulated financial infrastructure.

Defined and delivered the product vision for digital asset payments and trading solutions with full P&L ownership, contributing to strong market share growth.
Launched crypto payment and wallet capabilities that lowered transaction failure rates, improved adoption, and reduced operational friction.
Led go to market work, growth experiments, and retention initiatives that produced double digit reve

Led the development and launch of major payment products that significantly increased new client onboarding.
Managed the full product lifecycle, working with executive leadership to align product direction with company priorities.
Strengthened cross functional collaboration and streamlined processes to noticeably improve delivery speed and team execution.
Conducted market research, competitive ana

Managed some of the company’s flagship products while delivering functional and technical solutions that significantly reduced manual work for key clients compared to legacy systems.
Led a cross functional team, built strong stakeholder communication, and oversaw product development from concept to implementation using agile practices, resulting in a noticeably faster feature delivery cycle.
Ident

Implemented a global payment settlement module under ISO 20022, processing 1M+ annual transactions and achieving a 35% increase in Straight-Through Processing (STP) rates. Directed the 0→1 migration of complex lending platforms, managing technical architecture and stakeholder expectations across diverse banking teams. Led testing, QA, and release management processes, ensuring stable deployment cy

Provided consultation on functional and technical requirements for Temenos SaaS banking systems and associated financial products.

Provided consultation on functional and technical requirements for Temenos SaaS banking systems and associated financial products.

Participated as a founding team member of the neobank, providing consultation on functional and technical requirements for Temenos SaaS banking systems and associated financial products.

Managed a development team of big data analysts focused on evaluating credit risk for credit products, including fraud detection initiatives that strengthened portfolio performance and reduced losses. Produced analysis and reporting on the bank’s portfolio and risk premium to support strategic decision making and ensure alignment with the overall roadmap. Coordinated the implementation of BIS and

Assessed the bank’s exposure across credit, market, liquidity, and operational risks. Analyzed the inherent risks in new financial products and activities and calculated capital requirements based on the bank’s overall risk profile. Used advanced tools, techniques, and IT capabilities to evaluate risk, strengthen governance, and support informed decision making.

Evaluated the bank’s exposure to credit, market, liquidity, and operational risks. Analyzed risks in new financial products and activities and determined capital requirements aligned with the bank’s risk profile. Leveraged advanced tools and IT capabilities to assess risk, enhance governance, and support strategic decision making.

Jul 2020

May 2019