Payments · Product · India's rails

Building payment products at population scale.

Eight years across India's payment infrastructure - from acquiring operations and reconciliation inside a major bank to launching products on a national bill-payments network. Every pulse on this page is how I think about money movement: nodes, rails, and proof that the numbers match.

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Product Manager | Payments & Fintech · Mumbai, India
Ruturaj Sahasrabudhe

Operator first. Product builder second. In that order, on purpose.

I spent three years running merchant settlements, reconciliation, and chargebacks before I ever wrote a PRD - so the products I ship are designed for the failure modes operators actually live with. Since then: a national pension launch, analytics for 20,000+ billers, and reconciliation tooling an insurer trusts before policy issuance.

8+ yrs
payments, fintech, insurtech
20,000+
billers on analytics I designed
15M+
NPS subscriber base at launch
150x
adoption growth in 12 months
Case studies & working prototypes

Three problems, three working answers.

01

RPOS - an agent-assisted PM workspace

One shared workspace state where personas, stories, backlog, and story map are live views - and the PRD regenerates on every keystroke. Built as a working React prototype plus a 12-screen product mock.

Case studyLive prototypeVisual mock
PRD regeneratedBacklog synced
The live PRD rebuilding from workspace state
02

Self-serve analytics for 20,000+ billers

The first biller-facing analytics surface on India's interoperable bill-payments network. Metric design that routes action - technical declines to the platform, business declines to the biller. 150x adoption growth in 12 months.

Case studyLive demo
100 to 15,000 downloads
Monthly report downloads, month 1 to month 12
03

A 90-day reconciliation build

Banking integration, receipting, and 2-way / 3-way reconciliation for a greenfield digital insurer - designed so premiums reconcile before policy issuance, not after. Sole product owner, discovery to pilot.

Case study
The story, chapter by chapter

Maps. Money operations. National rails. Trust.

Chapter 00 · Dec 2013 - Aug 2014 · Volunteer

Giving first.

Before any job title: nine months volunteering with NASEOH, a Mumbai NGO working with persons with disabilities, as part of St. Xavier's Social Involvement Programme. I was part of the ceramic department team - teaching underprivileged and special-needs kids, and helping sell the products they made through kiosks and stalls at malls, schools, and colleges.

TeachingInclusionKiosk sales drives
Chapter 01 · Mar 2016 - Jun 2017 · GIS Analyst, HERE Technologies

Where shipping beat proposing.

My first corporate job was enriching Western Europe maps point by point. Then Pokémon Go came out, and its geo-tagged capture mechanic looked like the answer to our slowest workflow. I proposed an in-house field-capture app, led the operations side, and shipped it with engineering: capture rate up from 30 to 65 POIs an hour at 99.93% accuracy, a 15-month plan done in 8.5. HERE gave it the Golden Impulse Award for Process and Product Excellence.

117% throughput gain99.93% accuracyGolden Impulse Award
Open full chapter
Interlude · 2017 - 2019

Left maps to learn money.

Two years of Master of Management Studies in Finance (MBA equivalent, University of Mumbai) at N. L. Dalmia Institute - the deliberate pivot from geography to the thing I wanted to build products around.

Chapter 02 · May 2019 - Jul 2022 · Manager, Digital Payments Operations (OSG)

Learning money where it breaks.

Three years in the engine room of Kotak's acquiring and payment-gateway business - merchant reporting, settlements, reconciliation, then end-to-end ownership of ecom chargebacks and representation. Automated the daily merchant reporting workflow from 9 hours to 1.5 at 99.98% accuracy, ran three channels with a team of three through COVID, and ended in Operation Intelligence, where fee dashboards surfaced ~INR 19 lakh a year in pricing anomalies. Promoted from Deputy Manager in 2021.

83% faster reporting99.98% accuracyChargebacks end to end
Open full chapter
Chapter 03 · Jul 2022 - Nov 2025 · Product Manager, NPCI Bharat Billpay (NBBL)

Population scale.

The regulator-adjacent side of India's bill-payment rails. As Category Manager I launched the National Pension System on Bharat Connect into a 15M+ subscriber base through a 5-click contribution flow. I designed the network's first Biller Analytics Dashboard for 20,000+ billers (150x adoption growth in 12 months), built bharat-connect.com from scratch, and designed the Agent Locator putting 8M+ certified agents on Google Maps while fraud complaints fell to near zero. Core team contributor on Banking Connect, India's first interoperable net-banking platform. Winner, NBBL Hackathon 2025.

15M+ reach150x adoption8M+ agents mapped
Open full chapterAnalytics case studyLive demo
Chapter 04 · Dec 2025 - Present · Product Manager, NeoSOFT Technologies

Trust, productised.

The current chapter: BFSI product work where the operator depth and the platform scale get applied one product at a time. Headline so far - sole product owner of a 90-day money-in build for a greenfield digital insurer: banking integration, receipting, and 2-way / 3-way reconciliation designed so premiums reconcile before policy issuance. Shipped to pilot ahead of the client's launch. Also: internal lead-generation automation now used daily by the sales team, and personal prototypes like RPOS.

90-day deliveryReconcile before issuance
Open full chapterRecon case studyRPOS
Tap a chapter to expand it · swipe the timeline for earlier chapters
Credentials

Certified, awarded, and fluent in the stack.

Certifications

  • Certified Card Payment System Professional - Nex-G Solutions, 2025
  • Certified Scrum Product Owner (CSPO) - Scrum Alliance, 2024
  • PRINCE2 Foundation and Practitioner - Simplilearn
  • Bloomberg Market Concepts - Bloomberg

Recognition

  • Winner, NBBL Hackathon 2025
  • Golden Impulse Award, HERE Technologies, 2017

What I work with

UPI · IMPS · NEFT · RTGSBBPS / Bharat Connect Cards (acquiring)Reconciliation & settlements ChargebacksNPS / Pension RBI & PFRDA frameworksProduct strategy V1 scoping & PRDsGo-to-Market Agile / ScrumPower BI SQLTableauFigma
Free · runs in your browser

Tools I built for everyday use.

PyQuest - learn Python by doing

A free, gamified course that runs entirely in your browser. Write real Python and get instant feedback - no setup and no sign-up.

Start learning →

Step-up & Flat EMI Calculator

Compare a step-up home loan against a flat EMI, model month-by-month prepayments, and see exactly how much interest you'd save.

Open calculator →

Let's talk payments.

If you are building in payments, fintech, or insurance and want to compare notes on rails, reconciliation, or product analytics, my inbox is open.

ruturaj.mms@gmail.com LinkedIn