Gowrishankar T S
Senior Product Owner
Dubai
Summary
Dynamic and results-driven Product Owner with 19+ years of experience in product management and business analysis across the digital banking and payments landscape. Proven expertise in leading cross-functional teams, defining product vision, and delivering innovative solutions that elevate customer experiences. Skilled in requirement analysis, agile delivery, and digital transformation, with a deep understanding of online and mobile banking systems. Adept at stakeholder management, process optimization, and implementing scalable, customer-centric solutions aligned with strategic business goals.
Overview
19
19
years of professional experience
2
2
Certifications
Work History
Senior Product Owner
Emirates NBD
08.2016 - Current
- Lead product ownership for key digital banking initiatives, driving customer engagement and business growth.
- Manage end-to-end requirement analysis, backlog prioritization, and sprint execution using Agile methodologies.
- Collaborate with stakeholders to align product roadmaps with business goals.
- Implement and oversee testing strategies including black-box and functional testing.
- Utilize Jira and Confluence for documentation, sprint tracking, and performance reporting.
- Under Cards portfolio, implemented Instant Issuance of Credit card, Instant Credit card limit increase, Online Ecommerce Biometric authentication (VCAS), Visa Direct (Visa+).
Product Owner
Emirates NBD, Virtusa Polaris
07.2018 - 04.2021
- Spearheaded digital transformation projects across mobile and online banking platforms.
- Conducted market analysis to refine digital experiences and streamline feature delivery.
- Led UAT and ensured on-time delivery of quality releases.
- Served as the bridge between business users and technical teams.
Project Manager
Emirates NBD, SQS India BFSI Ltd
08.2016 - 06.2018
- Collaborated with global partners including VISA, Mastercard, Apple, Samsung, Gemalto, and Idemia.
- Successfully launched Apple Pay and Samsung Pay, all Digital Wallets for Emirates NBD in the UAE.
- Implemented the contactless payments for all the ENBD Cards
- Managed loyalty program migrations and strategic card system enhancements.
- Led cross-functional teams in defining product vision and strategy, significantly enhancing user engagement and satisfaction.
- Collaborated with stakeholders to prioritize product backlog, ensuring alignment with business objectives and market demands.
- Implemented Agile methodologies to streamline product development processes, resulting in improved delivery timelines and team efficiency.
- Conducted market analysis and user feedback sessions to inform roadmap decisions, driving innovation and competitive advantage.
Lead Business Analyst
FNB (South Africa), SQS BFSI Pvt Ltd
10.2015 - 08.2016
- Led planning and requirement documentation for HPS PowerCard migration.
- Conducted workshops, captured detailed business requirements, and mentored QA teams.
Test Lead
Network International
08.2014 - 10.2015
- Managed Way4 acquiring platform testing for merchant onboarding and transaction lifecycle.
- Handled multiple initiatives on Cards Issuing projects
- Implemented the IPP on POS (allowing customers to convert the transactions into installments realtime during the purchase).
- Led QA team in validating payment modules and ensuring high-quality releases.
Business Analyst
Wipro Technologies
08.2011 - 07.2014
- Oversaw Citibank Global Transaction projects, including complex migrations.
- Defined business requirements, test plans, and supported production deployment.
Test Analyst
VIT Consultancy Pvt Ltd
08.2008 - 02.2011
- Conducted functional and regression testing for Citibank India migration projects using VisionPLUS.
Testing Engineer – Automation
Hewlett Packard
10.2006 - 08.2008
- Designed and executed automated testing scripts using HP Watson for internal QA systems.
Education
Bachelor of Engineering (B.E.) - Engineering
Madras University
Chennai, India04.2003
Skills
Banking Platforms & Tools: Way4, VisionPLUS, WRT (Loyalty Application), Tokenization, VISA (VTS), Mastercard (MDES / MTF), Cards & Loans domain, Open Banking, Digital Transformation, Innovative Banking, Digital Product Management, Fintech Integrations, Data Driven product design, Self-service banking
Certification
Certified Scrum Product Owner (CSPO) – [2023]
Accomplishments
Received Gem Award for the service excellence from Emirates NBD for Q2 2022.
Successfully transformed the Emirates NBD mobile and online applications with most STP services offered to the customers.
Timeline
Product Owner
Emirates NBD, Virtusa Polaris
07.2018 - 04.2021
Project Manager
Emirates NBD, SQS India BFSI Ltd
08.2016 - 06.2018
Senior Product Owner
Emirates NBD
08.2016 - Current
Lead Business Analyst
FNB (South Africa), SQS BFSI Pvt Ltd
10.2015 - 08.2016
Test Lead
Network International
08.2014 - 10.2015
Business Analyst
Wipro Technologies
08.2011 - 07.2014
Test Analyst
VIT Consultancy Pvt Ltd
08.2008 - 02.2011
Testing Engineer – Automation
Hewlett Packard
10.2006 - 08.2008
Bachelor of Engineering (B.E.) - Engineering
Madras University