Haricharan Krishnan
Frisco,TX
Summary
As Global Product and Platform Leader at Manulife, I am responsible for the digital front door that connects customers, advisors, and markets worldwide. I lead our global web and AEM platforms and the shared services that power them, with AI at the core. My role is to ensure our digital ecosystem delivers measurable growth, operational excellence, and a consistent, modern experience across the enterprise.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Director of Product Management
Manulife Wealth & Asset Management
, United States
06.2024 - Current
- I own Manulife's global web and digital capabilities platform, setting the strategy, operating model, and roadmap that power customer and advisor experiences across regions.
- Established the vision and governance for shared digital capabilities on Adobe Experience Manager (AEM), enabling markets worldwide to deliver consistent, scalable, and compliant web experiences.
- Built and led global product teams responsible for experience platforms, content, search, and AI-enabled capabilities.
- Drove Manulife's AI strategy for digital channels, embedding intelligent search, authoring, and automated insight generation into the core web platform.
- Aligned technology, design, and business leaders around a unified platform roadmap, reducing fragmentation and accelerating delivery across markets.
- Oversaw a global rollout that doubled click-through rates and materially improved content discovery, engagement, and operational efficiency.
- Set enterprise standards for accessibility, performance, and experience quality across the global web ecosystem.
Senior Vice President Product Management - Head of Mobile - Commercial Banking
Citi
Dallas-Fort Worth Metroplex
09.2021 - 06.2024
- I helped re-imagine the mobile application. Initially, the mobile app was designed to provide access to account data and payment capabilities while on the go. Subsequently, the mobile application has been pivoted to become a companion application to the desktop. This has enabled the mobile channel to be differentiated from the desktop based on the user's context.
- Increased usage by over 30% by working from concept to delivery on unique features particular to the mobile channel while keeping the customer's context of use and digital adoption inhibitions in mind.
- This led to an increase in Appstore ratings of 4.6, as compared to 1.7.
- To resolve authentication difficulties, I collaborated with internal teams including fraud, digital security, design, and development teams, as well as security vendors. I worked on introducing password-free authentication methods. This resulted in greater NPS and significantly fewer password reset calls, freeing up our support workers.
Vice President - Product Management - Marketing
Citi
Dallas-Fort Worth Metroplex
07.2020 - 09.2021
- Focused on building technology to market Citi products and services to existing customers on digital channels.
- Understanding customer behavior and capability to collect data that could be used to direct marketing messages more accurately & relevantly.
- Instrumental in adding critical capabilities such as location based marketing, push notifications, etc.
- Oversaw the launch of major initiatives, such as account opening on mobile, increasing acquisitions and account aggregation, the first for any banking application.
- Outside In Perspective - Industry first feature to stay signed on & have a 'snapshot' of financial information without logging in - reduced the top customer pain point and added the ability for users to view marketing while increasing engagement with the app. Currently >11 M customers.
- Addition of personalization of marketing content increasing customer click through rates & Conversions by 16%. This resulted in an incremental revenue of $12MM / Year.
Vice President - Product Management - Citi Mobile iOS application
Citi
Dallas/Fort Worth Area
05.2018 - 07.2020
- Establish and maintain the strategy and vision for foundational components including dashboard, Ledger and campaign management features across Citibank's North America iOS Mobile Application.
- Played a key role by owning the channel strategy and foundational components including AI-driven dashboard and ledger & account aggregation features.
- Created capabilities for experimentation on the mobile platforms and operationalizing the initiative.
- Application was only the second banking application to be certified by JD Power.
- Oversaw the launch of major initiatives, such as account opening on mobile, increasing acquisitions and account aggregation, the first for any banking application.
- Launch of dynamic dashboard & ledger with AI-driven recommendation engine, increasing engagement by 16%.
- Instrumental in creating a culture of multivariate (or A/B) testing to aid data driven decisioning.
- Successfully established a high customer rating (App Store rating of 4.6 to 4.9).
Product Manager - Mobile - Intel - Intelligent Retail Shelf
Cognizant
Phoenix, Arizona
04.2015 - 05.2018
- Use cameras to on a retail shelf to identify the demographics of people visiting the shelf. Also create a people counter to find the number of people in the aisle.
- Send relevant notifications to users' Mobile devices based on historical demographic data.
Product Manager - Mobile - Come Alive - Innovative Mobile Shopping Cart - Fairprice Singapore
Cognizant
Dallas/Fort Worth Area
06.2012 - 05.2018
- Artificial Intelligence and Location Based Services for Retailers.
- Come Alive is a next generation mobile driven shopping platform which leverages contemporary digital assets to create an engaging and effective buying experience for shop-savvy Millennial.
- Come Alive comes as a SDK with innovative features that can be integrated with the existing ecommerce mobile apps.
- Artificial Intelligence is used to create an engaging user experience by understanding user's personality insights for delivering the right offers, image recognition.
- Artificial Intelligence based Data Aggregation, Visualization and presentation.
- Vibe is a personalized data aggregation engine, that personalizes content. Vibe middleware connects to various backend systems and brings relevant data. An important feature is the ability to follow content and the application design.
Product Manager - Paypal - Analytics Revamp
Cognizant
Chennai Area, India
09.2010 - 06.2012
- Multiple teams and geography teams used analytics data to generate reports from Informatica. The data being captured was inaccurate resulting in reports that were not useful.
- Cognizant helped revamp the analytics and bring in new processes to maintain data integrity.
Business Analyst - Siri Intelligent Assistant
Photon Infotech
Chennai Area, India
05.2008 - 09.2010
- Initial version of the iconic Siri was built in Photon. This is a personal assistant which uses born out of SRI's artificial intelligence project CALO. Provides an alternate way to get information without weeding through search results.
- My responsibilities included integration with various backend services such as open table. Identification of suitable text to voice software.
Business Analyst - Zumba Website
Photon Infotech
Chennai Area, India
05.2008 - 08.2009
- Re-engineered their entire web interface. Enables users to register courses, reschedule and collaborate. The website had a very strong admin interface to handle scheduling and managing classes across thousands of locations. This also encompassed their eCommerce store.
Oracle DBA
Hewlett-Packard
Bangalore
06.2006 - 02.2007
- Worked on a presales application that helps in Business Intelligence.
- Liaised & coordinated with the Downstream/ Upstream teams and ensured proper functioning of the application. Troubleshoot problems with internal clients while managing change request.
Education
Master of Business Administration (M.B.A.) (PGPM) - Marketing
Great Lakes Institute of Management
01.2008
Bachelors of Engineering - Computer Science
St. Joseph's College of Engineering
01.2006
High School -
Padma Seshadri Bala Bhavan Senior Secondary School
01.2000
Skills
- Product operations and experience design
- AI integration and innovation management
- Roadmap development and strategic marketing
- Leadership and team building
- Cross-functional leadership and product leadership
- Business case development and P&L management
- Strategic thinking and critical thinking
- Go-to-market strategies and product metrics
Websites
Certification
OneTrust Training and Certification, 01/01/25, San Francisco
Personal Information
Title: Global Director | Platform Product Leader for Web & AI-enabled Experiences
Timeline
Director of Product Management
Manulife Wealth & Asset Management
06.2024 - Current
Senior Vice President Product Management - Head of Mobile - Commercial Banking
Citi
09.2021 - 06.2024
Vice President - Product Management - Marketing
Citi
07.2020 - 09.2021
Vice President - Product Management - Citi Mobile iOS application
Citi
05.2018 - 07.2020
Product Manager - Mobile - Intel - Intelligent Retail Shelf
Cognizant
04.2015 - 05.2018
Product Manager - Mobile - Come Alive - Innovative Mobile Shopping Cart - Fairprice Singapore
Cognizant
06.2012 - 05.2018
Product Manager - Paypal - Analytics Revamp
Cognizant
09.2010 - 06.2012
Business Analyst - Siri Intelligent Assistant
Photon Infotech
05.2008 - 09.2010
Business Analyst - Zumba Website
Photon Infotech
05.2008 - 08.2009
Oracle DBA
Hewlett-Packard
06.2006 - 02.2007
Master of Business Administration (M.B.A.) (PGPM) - Marketing
Great Lakes Institute of Management
Bachelors of Engineering - Computer Science
St. Joseph's College of Engineering
High School -
Padma Seshadri Bala Bhavan Senior Secondary School