Pratikhya Dash
Product Lead
Dubai
Summary
Detail-oriented Product Analyst / Product Lead with 8+ years of experience across Cards, Payments, and Digital Banking, delivering hands-on product support for mobile card journeys, regulatory initiatives, and operational rollouts. Strong expertise in requirements definition, workflow design, stakeholder coordination, documentation, UAT/testing, and implementation readiness, ensuring compliant and seamless digital product launches. Experienced in working closely with IT, Digital, Operations, Compliance, and Card Network teams, supporting credit card lifecycle management, mobile app enablement, policy and process change initiatives, and BAU issue resolution. Known for structured execution, strong ownership, and the ability to manage multiple concurrent initiatives in fast-paced banking environments.
Overview
6
6
years of professional experience
3
3
Certifications
Work History
Senior Product Lead, IT
Pay10 global
08.2024 - Current
- Led Jaywan mono-badge card initiative, including BRD creation, digital card journey design, and coordination with scheme partners for onboarding and certification.
- Supported digital and operational readiness for card initiatives through close coordination with IT, Operations, Compliance, partner banks, and third-party vendors.
- Managed end-to-end integration across payment processors, issuing banks, and external service providers to ensure production readiness and compliance.
- Delivered business analysis for remittance and payment flows, including settlement logic, exception handling, and regulatory requirements.
- Supported process and policy changes across digital and backend journeys to enable scale and regulatory alignment.
- Assisted in BAU issue resolution, working with IT and stakeholders to analyze root causes, coordinate fixes, and support stable operations.
- Authored BRDs, FRDs, user stories, workflows (Figma/Miro), and RTMs, serving as a single source of truth for development and UAT teams.
- Facilitated cross-functional workshops, sprint planning, and backlog refinement using Jira and Confluence.
Product Analyst
Emirates Islamic
05.2022 - 08.2023
- Actively involved in both legacy digital banking systems and new upcoming digital platforms, supporting large-scale digital transformation initiatives.
- Performed comprehensive gap analysis between legacy systems and the new digital application to identify functional, technical, and process gaps.
- Defined and implemented enhancement requirements to close identified gaps, ensuring improved efficiency, compliance, and customer experience.
- Created, refined, and managed user stories, epics, features, and acceptance criteria, ensuring clarity and alignment with business objectives.
- Worked in a fully Agile environment, strictly following Agile principles and best practices.
- Actively participated as part of the Agile delivery group, collaborating with cross-functional squads including product owners, developers, QA, and UX teams.
- Contributed to Sprint planning, backlog grooming/refinement, daily stand-ups, sprint reviews, and retrospectives.
- Ensured continuous prioritization and refinement of the product backlog based on business needs and delivery feedback.
- Collaborated closely with compliance, operations, and technology stakeholders to ensure regulatory adherence, especially for Islamic banking requirements.
- Supported development teams throughout the sprint lifecycle by clarifying requirements, managing scope changes, and resolving dependencies.
- Contributed to key digital banking modules including: Remittance (Domestic & Cross-Border)
- Supported UAT execution, defect triaging, and coordination across legacy and new systems.
Product Analyst
FAB payroll Adecco Middle East, UAE
06.2021 - 04.2022
- Supported digital banking transformation initiatives, working across legacy platforms and new digital applications.
- Performed gap analysis between legacy and target digital platforms, identifying functional, process, and compliance gaps.
- Defined enhancement requirements to improve digital journeys, operational efficiency, and regulatory compliance.
- Created and managed user stories, epics, and acceptance criteria, ensuring alignment with product and business objectives.
- Worked in a fully Agile environment, actively participating in sprint planning, backlog refinement, reviews, and retrospectives.
- Coordinated with Compliance, Operations, and Technology teams to ensure adherence to regulatory and Islamic banking requirements.
- Supported UAT execution, defect triage, and release readiness across multiple digital banking modules including remittance (domestic & cross-border)
- Supported multi-system integrations across core banking, middleware/API layers, CRM, risk & compliance systems.
- Coordinated with vendors and internal teams to ensure timely delivery, SLA adherence, and operational readiness.
Product Analyst
Emirates payroll IGT Technologies, UAE
11.2019 - 05.2020
- Managed the demand of business solutions across multiple lines of business, delivering scalable, secure, and efficient IT products aligned with business priorities.
- Implemented product roadmaps, translating business objectives into epics, features, and minimum viable products (MVPs) using Agile product management techniques.
- Acted as a bridge between business stakeholders and internal/external development teams, ensuring clarity of requirements, delivery expectations, and quality standards.
- Oversaw the delivery of a portfolio of projects and enhancements, monitoring time, cost, scope, and quality KPIs.
- Drove cross-department collaboration (Enterprise Architecture, Digital Platforms, Development teams) to ensure seamless solution delivery.
- Managed external vendors, ensuring compliance with service levels and quality expectations through ongoing reviews.
- Ensured 24x7 support for all assigned products, meeting or exceeding SLAs as per service catalog.
- Promoted automation and defect reduction, improving operational efficiency and enabling more focus on value-added product features.
- Coached and mentored delivery teams, fostering product thinking, skill development, and innovation culture.
- Facilitated team-driven innovation, consolidated ideas, and presented outcomes via demos, release notes, and sprint ceremonies.
Education
B-Tech - information technologies
BPUT
ODISHA, IndiaSkills
Product Management
Business Process Management
Customer Journey Design
Digital Ecosystem
Program Management
Release/Change Management
Product Roadmap Design
Vendor/Stakeholder Management
Team Building & Mentoring
Product strategy
Product vision
Design thinking
Product lifecycle management
Product demos
Product documentation
Cross functional leadership
Accomplishments
- Digital Card Enablement: Delivered multiple mobile and digital journey enhancements for card products, supporting acquisition, lifecycle management, and customer experience improvements.
- Regulatory & Network Programs: Supported Jaywan mono-badge initiatives and Mastercard regulatory projects, including documentation, UAT support, and implementation readiness.
- Operational & BAU Stability: Played a key role in resolving BAU card and payment issues by coordinating with IT and operations, reducing customer and operational impact.
- Product Execution Excellence: Led end-to-end requirement discovery and documentation across complex initiatives, ensuring accurate delivery and regulatory compliance.
Certification
PSM Professional Scrum Master in July 2021
Tools & Technologies
Tools & Technologies: Oracle Financials, Google Analytics, Power BI, Salesforce CRM, MS Project, MS Visio, JIRA, Confluence, SharePoint, FlexCube, T24 Core Banking, Financial Systems, API Management, Postman, Tableau, PL/SQL.
Timeline
Senior Product Lead, IT
Pay10 global
08.2024 - Current
Product Analyst
Emirates Islamic
05.2022 - 08.2023
Product Analyst
FAB payroll Adecco Middle East, UAE
06.2021 - 04.2022
Product Analyst
Emirates payroll IGT Technologies, UAE
11.2019 - 05.2020
B-Tech - information technologies
BPUT