Bidya B.-Senior Product Owner - Agentic AI & Intelligent Platforms | Fintech, SaaS, Risk & Ecommerce

CRM and revenue platform managing billing and subscription workflows.

• Scaled payments infrastructure across data products, direct debit expansion and automated abuse prevention, generating $416K in annualized operational savings ($8K/week) by eliminating redundant gateway calls.
• Owned backlog and sprint execution for autonomous checkout abuse detection pipelines, designing real-time risk guardrails and velocity heuristics that blocked card testing attacks.
• Architected enterprise billing migrator user stories and data reconciliation mechanisms, achieving zero-downtime subscription state transitions and cutting $60K in infrastructure overhead.
• Expanded European direct debit (SEPA) payment capabilities, managing cross-squad API dependencies and automated webhook error-handling to eliminate checkout friction.

• Architected unified enterprise onboarding workflows for identity verification and fraud tools, cutting client onboarding time from 6 weeks to 2 weeks through 100+ stakeholder discovery sessions.
• Engineered ML fraud scoring models in Python with advanced decisioning signals, improving detection accuracy by 30% and reducing fraudulent activity by 15% across banking partners.
• Built self-serve fraud analytics dashboards and customer data models, cutting time-to-insight by 45% by enabling financial institutions to analyze transaction anomaly patterns in real time.
• Centralized analytics data infrastructure using DBT, Airflow and Redshift, saving $40K annually in data operations while accelerating engineering feature delivery by 15%.
• Owned product strategy for Encryption-as-a-Service and billing infrastructure, driving 20% YoY faster client decision-making by automating compliance and reporting workflows.
• Governed end-to-end product strategy for identity verification and fraud tooling, scaling platform capabilities across 10+ Tier-1 banking and fintech enterprise clients.
• Implemented structured PRD standards and KPI frameworks across 3 engineering squads, eliminating 2 weeks of sprint backlog ambiguity and lifting delivery velocity by 25%.

• Delivered automated fraud prevention workflows across payment and risk features, stopping $250K+ in losses within 4 months through proactive rule optimization.
• Redesigned dispute resolution operational tooling and workflows, improving dispute handling efficiency by 50% across cross-functional operations squads.
• Integrated SQL-based data validation tooling into transaction review pipelines, cutting manual analyst review time by 35% through automated data checks.

• Owned global cross-border checkout features and multi-region payment routing strategies, lifting authorization rates by 12% through optimized provider integrations.
• Led product roadmap for high-scale fraud detection serving millions of monthly transactions, slashing bad debt from $1.3M to $270K (80% reduction) via redesigned detection paths.
• Transformed automated chargeback and fraud mitigation workflows using Python and R, saving $1M annually from bad debt and eliminating 1,658 manual operational hours.
• Delivered 30+ platform and detection features across agile engineering squads, driving 34 hours of weekly headcount savings and achieving 3 permanent FTE gains through reporting automation.
• Partnered with Business and Marketing teams using QuickSight and SQL analytics to drive a 23% YoY increase in new seller acquisition through anomaly detection dashboards.