Skillsets acquired- Product design | System design and tech architecture | API management and API documentation | Integration with technical systems | Stakeholder management | Ownership & accountability

PM Toolkit- Camunda Modeler(for Business Process Workflows and Decision Tables) | Figma | Balsamiq | Postman | Swagger | Jira(for program management) | Aha(for product roadmaps)

Business Scenario

Zeta Suite, a USD 1.45 Billion fintech, takes pride in offering the world’s first omni stack for banks. With the goal of establishing itself as a leading credit processing platform in the US, Zeta Tachyon has been built from the ground up to be infinitely scalable, cloud-native, and API ready.

As the Product Manager for the Origination and Customer Lifecycle Management(CLM) system for Zeta, I was responsible for building an extensible and fully integrable credit origination system catering to 2 user personas- financial institutions(banks) and their partners(fintechs).

User Story

As a Bank, I can use Tachyon Credit Origination  and CLM System to

• Design custom onboarding application forms with validations and workflows to support verifications such as KYC(Know Your Customer), AML(Anti Money Laundering), Fraud, and Credit Decisioning, through a web interface(Control Center)

• Seamlessly integrate with Zeta’s default credit decision engine or with any external decision engine for fetching data from credit bureaus and performing credit decisioning- approved, declined, or pending
• Manually review and take a decision for all onboarding applications for which the decision was ‘pending’
• Get a 360-degree view for each Account Holder to resolve customer queries using Service Center(back-office center)

• Perform certain CRUD(Create, Read, Update, Delete) operations on my customer profile
• Integrate with databases such as OFAC's Sanctions List Search for periodically identifying and blacklisting Specially Designated Nationals(SDN)
• Publish events on each successful customer onboarding, each fraud detection, etc so that other micro-services can consume these events for their functioning

As a fintech, I can leverage Tachyon Credit Origination and CLM System as configured by the Bank to

• Onboard more customers as a part of partner programs for the Bank

Outcome

1. Enabled eight issuers(banks) and 30 fintechs(partners) to issue 15M+ cards on Zeta’s platform
2. Launched a self-serviceable web interface for banks to design custom application forms and workflows, reducing developer involvement to 0% and improving turnaround time by 60%
3. Achieved 100% API coverage for Customer Lifecycle Management with access control for Banks and Fintechs (Link)

Felicitated with 'Above & Beyond Performer' Award for each quarter during my tenure at Zeta Suite

Press- "Zeta is fundamentally changing what is possible for credit card issuers with our cloud-native, 100% API coverage, and modern processing stack.” - Bhavin Turakhia, Founder and CEO, Zeta Suite

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