SAINIKEATHAN KADHATI

• Lead end-to-end product strategy and execution for 8 product squads (8 POs), overseeing quarterly Program Increment (PI) intake funnels to evaluate, prioritize, and route high-criticality initiatives based on risk mitigation, business impact, and platform scale.
• Integrated advanced Customer Identity Authentication (CIA) and multi-factor authentication (MFA) protocols into digital loan application and credit origination workflows, resulting in a 35% reduction in loan application drop-offs and a 25% speed-to-decision improvement.
• Modernized identity verification and device profiling APIs across online lending platforms, driving a 30% reduction in identity fraud attempts during instant credit approval and loan issuance.
• Optimized enterprise authentication microservices serving 25M+ active customer accounts, increasing system availability to 99.99% uptime while cutting authentication latency by 40%.
• Partnered continuously with Information Security, Enterprise Architecture, Risk, Compliance, and Executive Leadership to align loan origination security requirements with strict federal identity/privacy regulations.

PNC, Risk Rating Platform

• Defined product vision for ML-powered risk segmentation; resulted in 15% improvement in credit risk mitigation and 22% uplift in underwriting prediction accuracy.
• Led cross-functional teams in product development lifecycle, enhancing alignment between stakeholders and technical teams.
• Coordinated cross-functional teams to develop and integrate models using SQL, Oracle DB, and legacy systems, enhancing data-driven decision-making.
• Engaged with executive stakeholders to establish model governance and align on milestone planning, ensuring project alignment with strategic goals.

PNC, Pinnacle Integration

• LLed the product architecture and API integration connecting PNC’s Pinnacle commercial banking portal with enterprise core commercial loan servicing engines (handling complex bilateral/syndicated loan facilities, credit lines, and commercial real estate).
• Automated front-to-back loan accounting workflows between client portal interfaces and backend lending ledgers, enabling real-time loan drawdown requests, automated fee reconciliations, and principal/interest paydowns that reduced operational turnaround time by 50%
• Led product delivery for RESTful API services connecting commercial client portals with core loan servicing systems (Loan IQ), enabling real-time loan position tracking, credit facility visibility, and automated transaction updates.
• Improved reconciliation processes, cutting down operational turnaround by 50%.
• Ensured regulatory alignment and stakeholder buy-in across compliance and engineering teams.

PNC, Enterprise Data Warehouse & Ingestion

• Delivered a scalable ingestion pipeline for 50M+ records/month, accelerating analytics-driven decisions by 40%.
• Defined roadmap and KPIs aligned to PNC’s strategic data goals; integrated feedback loops from internal users.
• Reduced manual interventions by 45% and enhanced CX through 20% faster service delivery.
• Owned backlog, authored detailed user stories, and validated API integrations using Postman.

PNC, Push Notifications

• Founded and led the end-to-end product strategy, architecture, and launch of PNC’s enterprise Push Notification engine from inception, establishing a modernized multi-channel alert capability that served millions of mobile users.
• Designed the cross-platform message distribution pipeline integrating Google Firebase Cloud Messaging (FCM) for Android and Apple Push Notification service (APNs) for iOS, enabling real-time, low-latency delivery of security alerts, account updates, and transactional notifications.
• Achieved 18% improvement in customer engagement and 12% drop in support inquiries.
• Spearheaded the product lifecycle from ideation to deployment, with clear experiment hypotheses and metrics.

PNC, TXT Banking

• Spearheaded the end-to-end modernization of PNC’s Text Banking platform, migrating legacy SOAP/XML web services to high-performance RESTful APIs backed by MongoDB and Kafka event streaming; achieved sub-second transaction processing, reduced operational overhead,
• Boosted digital adoption by 30% and improved retention by 15%.
• Orchestrated redesign strategy, managed sprints using JIRA, and ensured seamless release.

Highmark, Healthcare Providers

• Led claims processing enhancement initiatives, achieving 45% faster reimbursement and 60% reduction in operational inefficiencies.
• Aligned multiple business units on roadmap execution; developed architecture for claims validation using mainframe systems.