Sonali Sharma
Austin,TX
Summary
Senior Product Manager with over 8 years of experience in payments and financial platforms for B2B and consumer markets. Expertise in managing product roadmaps and leading cross-functional teams to deliver scalable payment solutions across various gateways and wallets. Demonstrated success in launching compliant products that enhance user experience and drive revenue growth.
Overview
13
13
years of professional experience
Work History
VP /Sr. Product Manager - Digital Payment
Citibank
Irving, TX
11.2023 - Current
- Owned product roadmap for core card processing platforms supporting Visa and MasterCard transactions.
- Led cross-functional teams to ensure high availability in processing millions of daily card transactions.
- Achieved 99.99%+ uptime for core card processing services through reliability improvements.
- Enhanced authorization decisioning and routing logic, improving approval rates by three to five percent while maintaining fraud thresholds.
- Collaborated with fraud and risk teams to implement real-time transaction monitoring, achieving 15-20% reduction in false positives.
- Analyzed data to identify failure patterns in authorization and settlement flows, leading to 10-15% reduction in transaction drop-offs.
- Partnered with network and internal stakeholders to ensure compliance with PCI DSS and card network regulations.
Sr Product Manager - Wholesale credit risk lending
Zions Bancorporation
Frisco, TX
11.2020 - 10.2023
- Developed lending workflow system for transaction manager and CRMS, enhancing operational efficiency across APAC, EMEA, LATAM, and NAM regions.
- Surpassed revenue targets in 2025 with a 16% increase from strategic product feature enhancements.
- Established efficient workflows for LATAM region, achieving 20% revenue growth and reduced SLA times for deal approvals.
- Integrated upstream processes, reducing data discrepancies by 10% and enhancing accuracy in collateral management.
Sr Product Manager - Payments
Saga Vacations Pvt Ltd
Frisco, TX
06.2018 - 11.2020
- Managed digital payments and merchant services roadmap for over 1 million customers.
- Delivered features for tokenization, recurring payments, refunds, and reconciliation to improve payment processing.
- Orchestrated integration of banking systems with e-commerce platforms to enhance transaction flow.
- Collaborated with sales and customer success to streamline enterprise onboarding process, reducing time by thirty percent.
AVP - Product Manager
HDFC Bank
Delhi
04.2017 - 05.2018
- Led the transition to a paperless practice by developing a faster, safer, and more accurate business system, reducing the cost of labor by 30%, and increasing customer retention by 13%.
- Increased revenue of mortgage products (personal loans, auto loans) by 26%, establishing bank as leader in assets.
- Conducted A/B testing to analyze customers' top financial choices, recommending solutions that improved underperforming services and generated $1.5M in additional revenue.
Product Analyst - Wealth Management
ICICI Bank
Mumbai, MH
11.2014 - 08.2016
- Conducted competitive analysis on liability products, implementing pricing changes that achieved 20% market penetration and increased bank's book size by 15%.
- Evaluated profit and loss projections for each initiative, optimizing business unit's ROI.
Business Analyst
Baja Alliance
Mumbai, MH
05.2013 - 10.2014
- Analyzed business processes to pinpoint inefficiencies and recommend enhancements.
- Synthesized business intelligence and trend data to inform actionable recommendations.
Education
MBA - Finance & Economics
ICFAI Business School
04.2013
Bachelor of Science - Biotechnology & Pharmaceutical chemistry
Devi Ahilya Vishwavidyalaya
05-2011
Skills
- Product development strategy and roadmapping
- Card payments and gateways
- Fraud prevention and risk management
- PCI compliance and tokenization
- ACH and RTP processing
- Agile methodologies and Scrum
- Stakeholder engagement
- Objectives and key results (OKRs)
- Data analysis and SQL
- API integration
- Project management tools (JIRA, Confluence)
Additional Accolades
- Created a mobile app for car collision companies.
- Created an e-commerce website for furniture stores successfully and which has traffic of 30k people and capacity to order multiple products at a time.
Timeline
VP /Sr. Product Manager - Digital Payment
Citibank
11.2023 - Current
Sr Product Manager - Wholesale credit risk lending
Zions Bancorporation
11.2020 - 10.2023
Sr Product Manager - Payments
Saga Vacations Pvt Ltd
06.2018 - 11.2020
AVP - Product Manager
HDFC Bank
04.2017 - 05.2018
Product Analyst - Wealth Management
ICICI Bank
11.2014 - 08.2016
Business Analyst
Baja Alliance
05.2013 - 10.2014
MBA - Finance & Economics
ICFAI Business School
Bachelor of Science - Biotechnology & Pharmaceutical chemistry
Devi Ahilya Vishwavidyalaya