Monica Punjabi
Entrepreneur
Dubai
Summary
A serial entrepreneur, currently building platform for the largest Fleet Partner for Uber in India, UAE and SSA. Experienced in managing cross-functional product, growth and operations teams. An accomplished fintech production software engineer with a strong technical background.
Overview
6
6
years of professional experience
7
7
years of post-secondary education
Work History
Senior Product Manager
Moove
09.2022 - Current
- Transitioned the team from entirely manual processes to semi-automated processes to manage Reconciliation and management of our key asset - the Moove Vehicle.
- Built the in-house fleet management platform that ultimately increased the fleet utilization globally by 12%.
- Rapidly launched 3 financial services propositions in 3 different markets in a span of 6 months. Each of the propositions demonstrated a month of month growth of 25%.
- Streamlined internal processes by implementing best practices in product management, increasing team efficiency and productivity.
- Directly led a team of 2 Product Managers and an Associate Product Manager.
Product Manager
Rain Crypto Exchange
04.2022 - Current
- Conceptualized and enhanced coin listing process at Rain. Introduced an admin dashboard solution to manage the lifecycle of a coin on the platform.
- Lead the launch of various Payment Methods (card buys, bank linking options etc) for the global launch of the rain platform.
- Tracked, managed and improved card acceptance rates by 12% within 4 weeks to optimize card buy flows.
- Managed a cross-functional team of 8 engineers and delivered 4 features across 5 sprints. (Team velocity of 58 story points per sprint.)
- Setup product prioritization approach for the payment domain in collaboration with the product leadership.
- Managed integrations with Open Banking solutions (LeanTech, TarabutGateway, DAPI) and PSP's (Checkout, TAP).
- Developed product documentation to communicate upcoming features and products to internal teams.
- Documented user stories, specifications and product features into detailed work order to communicate across teams and build mandatory requirements for feature sets in the payment domain.
Founder and Chief Operating Officer
Finllect Digital Technologies Ltd.
04.2018 - 01.2022
- Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common product goals.
- Conducted Market Research and Analysis of successful products and features within local and global credit-tech industries to identify and position our value proposition effectively.
- Manage ideation, validation, user stories and continuous modification of Product Roadmaps.
- Manage quality, performance measurement and innovation of product.
- Conducting User Review and Tests to identify gaps and create opportunities to improve product features in line with our data-driven metrics.
- Manage product strategy, documentation and alignment of product understanding across broader team.
- Achieved sustainable customer acquisition for application. First 500+ customers on-boarded within 2 weeks of MVP release.
- Diversifying content offerings on team, transforming from 2 verticals to over 5.
- Establishing POCs with corporate partners, including academic institutions, brands and other payment service providers.
Application Engineer
PagoNxt - A Santander Company
03.2020 - 03.2022
- Working closely with business and sales teams in requirement gathering to determine key data input, output, and functional processes.
- Facilitating comparative analysis, identification and evaluation of functional utility of third party products to be used with current application and systems.
- Configuration of new/existing features, business objects, and issuing related items on Santander's new processing platform and it’s technical ecosystem based on input from Data analysts, Business Analysts and QA engineers.
- Hands-on experience of system integration with regard to schemes (MasterCard/VISA/UPI).
- Translating pain-points in SRE process flows, into friction-less monitoring improvements with better process flow management via automated tools.
- Reduced Mean-Time-To-Respond on Incidents up to 6% based on automation implemented for monitoring and reporting.
Application Engineer
Wirecard AG
03.2019 - 03.2020
- Managed overall deployment of payment cycle development for 3 key financial institutions supporting VISA, MC and NSPK schemes.
- Gathered and documented evidence for improvement projects and processes to be undertaken in order to execute shorter and faster development cycles.
- Created and maintained operational documentation and knowledge-base articles for applications and provide training to Monitoring team.
- Conducted data analysis for yearly and quarterly incidents, propose solutions and support implementation of monitoring framework for transaction processing life-cycle, from authorization to merchant Payout and Delivery.
- Provided technical expertise during launch/integration of new applications.
- Handled Incident management, Root Cause Analysis and communication with various stakeholders.
- Established processes for team transition to modern SRE principles.
Implementation Specialist
Wirecard AG
03.2018 - 07.2019
- Facilitated overall delivery of product development of card issuing system supporting Visa as scheme, including analysis, design, development, Go-to market readiness, and launch.
- Responsible for project tracking and back-log management for pipeline of new Financial Institutions to be deployed.
- Supported project manager to prepare RAG status for weekly status meetings.
- Analysis of customer requests about specific features/functionality to create Technical Requirement Document for development team to create solution.
- Analyzed and Reported Team performance (via SLA and SLO calculation) to external stakeholders in global HQ.
Education
Bachelor of Science - Computer Science and Engineering
Manipal Academy of Higher Education
Dubai, DU 09.2014 - 09.2018
Executive Education - Financial Technology
HarvardX
Virtual 06.2020 - 10.2020
Master of Science - Financial Technologies
London Institute of Banking And Finance
London 09.2021 - Current
Skills
User Research
A/B Testing and Experimentation
Research and trend analysis
Feature Prioritization
Product Roadmaps
Data Driven
Accomplishments
- Innovate Finance Women In Fintech 100 PowerList 2021.
- Local Advisory Board Member at GEMS Education.
- Built and launched the Women of Wirecard Initiative by organizing panel discussions and fundraisers aimed at improving workspaces for women.
- Top 100 finalists at the Santander Young Leadership Program 2021.
- Innovation Challenge Winner (04/2020 – 05/2020) - The Wirecard Labs Team organized a campaign for innovative ideas to stay productive during the COVID-19 pandemic. My idea was selected as the winner amongst the 45 global applicants.
- Finalist - Adecco CEOforOneMonth Program (02/2019 – 05/2019).
- Speaker - TEDx RIT (04/2019) and TEDx Youth in 2011.
Timeline
Senior Product Manager
Moove
09.2022 - Current
Product Manager
Rain Crypto Exchange
04.2022 - Current
Master of Science - Financial Technologies
London Institute of Banking And Finance
09.2021 - Current
Executive Education - Financial Technology
HarvardX
06.2020 - 10.2020
Application Engineer
PagoNxt - A Santander Company
03.2020 - 03.2022
Application Engineer
Wirecard AG
03.2019 - 03.2020
Founder and Chief Operating Officer
Finllect Digital Technologies Ltd.
04.2018 - 01.2022
Implementation Specialist
Wirecard AG
03.2018 - 07.2019
Bachelor of Science - Computer Science and Engineering
Manipal Academy of Higher Education
09.2014 - 09.2018