SURESH VERMA

SURESH VERMA

BFSI Product & Program Leader | Payments | Credit & Capital Risk | AI/ML | Agile Delivery @ Union Bank of India

About

🔹 Strategic Thinker | Tech Builder | Impact-Driven Leader I’m a problem solver at heart—with the mind of a technologist and the instincts of a product strategist. Over the past 18+ years, I’ve evolved from coding Java as a junior developer to driving large-scale digital transformations and AI-led initiatives in the BFSI sector. What defines me is a passion for purposeful innovation. Whether it's launching a unified payments hub, integrating AI into credit risk models, or building a SaaS asset disposal platform from the ground up—I bring curiosity, clarity, and execution to the table. I thrive at the intersection of business, technology, and data, where big ideas are shaped into real-world impact. Colleagues know me as someone who leads with empathy, collaborates deeply, and never loses sight of user value. 📌 If you're building something ambitious—especially in fintech, AI, or digital transformation—let’s connect. I’m always open to meaningful conversations and new challenges.

Country

India

City

Bengaluru

Industry

Banking

Skill

Customer Journey Mapping, Java, Product Lifecycle Management, Product Launch, IT Development, Operational Excellence, Business Efficiency, Internal Audits, Modernization, Capital & Expense Budget Management, Payment Solutions, Banking Technologies, Key Performance Indicators, Regulatory Audits, Sprint Planning, General Data Protection Regulation (GDPR), IT Project Implementation, Java Development, Embedded SQL, Service Desk

Experience

Union Bank of India

BFSI Product & Program Leader | Payments | Credit & Capital Risk | AI/ML | Agile Delivery

Union Bank of India

LinkedIn
2011-11 - Present · 14 yrs 11 mos

I’m a Senior Project Manager at Union Bank of India with 18+ years of multifaceted experience across the BFSI ecosystem, leading high-impact digital initiatives in wealth and capital management, payments modernization, credit risk analytics, and enterprise transformation. My journey spans from hands-on Java development to managing large-scale product implementations and regulatory projects under RBI, Basel, and GDPR frameworks. With a strong foundation in data analytics, AI/ML applications, and program governance, I’ve driven strategic outcomes across risk, compliance, and customer-facing platforms. 🚀 Key strengths: Led the development of a Unified Payments Hub—enhancing reconciliation, settlements & fraud monitoring. Directed credit risk transformation using ML models, cutting NPA stress by 844 bps. Modernized wealth & capital management operations, improving decision-making & regulatory readiness. Deployed IAM, PeopleSoft EMS, and core banking enhancements across 250+ branches. Reduced project time-to-market by 30%+ and enabled cost efficiencies across digital banking. 🎓 MBA from IIM Shillong | Leadership Program at EADA Business School, Spain 🛠️ Technical Stack: Python, R, SQL, Tableau, Spring Boot, JIRA, Teradata, Power BI, Java I’m passionate about building secure, scalable, and inclusive financial products—and now actively exploring senior product management and digital strategy roles where I can drive innovation at the intersection of finance, technology, and data.

Union Bank of India

Transforming BFSI with AI & Analytics | Product & Program Mgmt | Payments, Risk, IAM

Union Bank of India

LinkedIn
2011-11 - Present · 14 yrs 11 mos

I’m a Senior Project Manager at Union Bank of India with 18+ years of multifaceted experience across the BFSI ecosystem, leading high-impact digital initiatives in wealth and capital management, payments modernization, credit risk analytics, and enterprise transformation. My journey spans from hands-on Java development to managing large-scale product implementations and regulatory projects under RBI, Basel, and GDPR frameworks. With a strong foundation in data analytics, AI/ML applications, and program governance, I’ve driven strategic outcomes across risk, compliance, and customer-facing platforms. 🚀 Key strengths: Led the development of a Unified Payments Hub—enhancing reconciliation, settlements & fraud monitoring. Directed credit risk transformation using ML models, cutting NPA stress by 844 bps. Modernized wealth & capital management operations, improving decision-making & regulatory readiness. Deployed IAM, PeopleSoft EMS, and core banking enhancements across 250+ branches. Reduced project time-to-market by 30%+ and enabled cost efficiencies across digital banking. 🎓 MBA from IIM Shillong | Leadership Program at EADA Business School, Spain 🛠️ Technical Stack: Python, R, SQL, Tableau, Spring Boot, JIRA, Teradata, Power BI, Java I’m passionate about building secure, scalable, and inclusive financial products—and now actively exploring senior product management and digital strategy roles where I can drive innovation at the intersection of finance, technology, and data.

Optimus Technologies – Start Up

Technology Consultant – BFSI Solutions

Optimus Technologies – Start Up

2010-9 - 2011-10 · 1 yr 2 mos

Enabled a Tier-1 NBFC to reduce loan processing time by 40% through a revamped credit underwriting engine. Deployed reconciliation automation that cut exception handling effort by 60% for a mid-sized bank. Supported successful RBI compliance audits by enhancing IAM and fraud monitoring protocols for two cooperative banks. Acted as a bridge between business and tech, accelerating agile delivery cycles and reducing deployment time by 25%.

The Edgemakers Pvt. Ltd.

Strategy & Innovation Consultant – BFSI & Social Impact Tech

The Edgemakers Pvt. Ltd.

2008-4 - 2010-5 · 2 yrs 2 mos

Developed MVP for an AI-enabled learning platform tailored for frontline workers, enhancing digital skilling adoption. Enabled over 50 contributors to receive project equity within 6 months of launching the equity-based engagement model. Facilitated partnerships with grassroots organizations and academic institutions for joint research initiatives. Contributed to the registration and legal structuring of an international entity with a U.S. holding and Indian subsidiary. Spearheaded digital product architecture for skilling and financial literacy platforms targeted at gig and low-income workers. Designed and operationalized a project-based equity model, rewarding contributors with equity linked to project success. Led cross-functional collaboration between developers, policy researchers, NGOs, and investors for social impact pilots. Integrated data privacy and identity frameworks to align with DPDP, GDPR, and inclusive design standards. Advised on fundraising strategies, virtual office setup, and zero-salary equity-based compensation models.

ARIESX TECHNOLOGIES

Java Developer | System Architecture | SOP Automation | Early-Career Tech Innovator

ARIESX TECHNOLOGIES

LinkedIn
2006-12 - 2007-12 · 1 yr 1 mo

As a Junior Java Developer at Aries Technologies, I kickstarted my tech journey by diving deep into core software development and system design. I contributed to the creation of a desktop search engine, optimizing information retrieval and enhancing user experience through intuitive design and efficient data structures. A key highlight was my initiative to design and integrate a Standard Operating Procedure (SOP) testing environment into the system architecture. This innovation played a crucial role in validating operational workflows, boosting reliability, and ensuring scalability for future deployments. During this foundational phase of my career, I honed my skills in: Core Java and object-oriented programming System-level software development UI/UX principles in desktop application design Agile development practices and structured testing

Education

Indian Institute of Management, Shillong

Indian Institute of Management, Shillong

LinkedIn

Product Management, AI/ML & Strategy

2022 - 2023 · 1 yr

Through the Executive Program in Product Management at the Indian Institute of Management, I developed a deep understanding of how to lead the complete product lifecycle—from customer discovery to scaled delivery—while integrating cutting-edge technologies like Artificial Intelligence and Machine Learning to drive innovation. Key areas of learning included: Strategic product development and roadmap planning Design thinking, customer segmentation, and UX research Agile frameworks (Scrum, Kanban) and MVP experimentation Leveraging AI/ML for predictive analytics, personalization, and automation Metrics-driven decision-making and product lifecycle optimization Leading cross-functional teams and aligning tech with business strategy The program elevated my ability to create data-led, AI-powered products that deliver user value while accelerating business impact in competitive markets.

EADA Business School

EADA Business School

LinkedIn

Leadership Development Program at EADA Business School

2022 - 2022

As part of the IIM-sponsored Leadership Development Program at EADA Business School, I gained hands-on exposure to global business dynamics, strategic leadership frameworks, and cross-cultural management practices. The program emphasized experiential learning, decision-making under uncertainty, and ethical leadership in a rapidly evolving business environment. Key takeaways included: Strategic thinking and business model innovation Global team collaboration and conflict resolution Emotional intelligence and adaptive leadership Data-driven decision-making and value creation in competitive markets Exposure to European regulatory frameworks and sustainable business practices This experience broadened my international outlook and strengthened my ability to lead high-performance teams across geographies with agility, empathy, and strategic clarity.

Shri G S Institute of Technology & Science

Shri G S Institute of Technology & Science

LinkedIn

Computer Science and Engineering

2002 - 2006 · 4 yrs

During my B.Tech in Computer Science at S.G.S.I.T.S, Indore, I built a strong foundation in computational theory, programming, and system design. The curriculum fostered a structured approach to problem-solving and equipped me with the analytical mindset essential for software development and system engineering. Key learning areas included: Core programming languages: Java, C++, and Data Structures Database Management Systems (RDBMS), SQL, and normalization techniques Operating Systems, Networking, and Computer Architecture Software Engineering principles and the software development life cycle (SDLC) Exposure to emerging fields like Artificial Intelligence and Machine Learning Beyond academics, project work and lab sessions enhanced my ability to collaborate, debug complex codebases, and develop user-centric applications—skills that continue to shape my approach to building scalable and reliable software systems.

SURESH VERMA's Contact Information

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