Dipayan Ghosh

Extensive Product Management and Techno-Functional experience of almost 16 years in Banking and FinTech Industries across Canadian, US and Indian Banks. Principal Functional Consultant (Associate Director) in Cognizant leading the Product Management and Business Analyst Practice for BFS. Proficient in Product Management, Business Analysis, Consultancy, Functional Architecture, Domain Solution activities with experience of working in Agile and Waterfall methodologies. Deep Domain Industry knowledge across Real Time Payments, Electronic and Card Payments, Fraud and Risk Management, Identity and Access Management, Digital Banking and Credit Risk Models. Lead Product Owner for Customer Identity and Access Management platform for a leading Canadian Bank. Successfully migrated cards processor from Mastercard to Fiserv for a US Bank working as a Business Analyst – liaising with Product, Program, Finance and Tech Teams. Worked as Business Analyst for a Global Bank for rolling out Alternate Payments Products on Real Time Payments Rails. Was also involved in Cross-border Payments and Reporting Plus (CBPR+) and ISO20022 migration for this client. Possesses Account Management, Project Management, Team Building and Client facing skills – doing estimation and planning for the BFS Payments Functional Team. Product Manager for Cognizant BFS internal solutions – defining product roadmap, solution structuring, product features & backlog, creating epics and user stories. Also involved in preparing collaterals and presentations for client and management demos. Worked as BFS Whitepaper champion in Cognizant. Co-authored multiple Cognizant whitepapers and blogs showcasing innovative mindset and strategic thought process - Cross-Border Payments, Real-Time Settlement for Cards, Card Issuers and Cloud Migration. Demonstrated excellent Leadership skills – built the BFS Functional Team which is now a 40+ member team with high performing Product Owners, Business Analysts and Solution Architects who have received multiple client accolades. Worked on presales activities for proposal writing, responding to RFIs, RFPs requiring domain and functional expertise, proposed custom solutions, provided effort estimates, pricing and licensing models. Manages the functional team’s activities - resource planning, external hiring, campus recruitment, allocation matrix, forecasting & revenue analysis, profitability management etc. Created multiple knowledge capsules and L2 training modules with the BFS functional team and worked on publishing them through Cognizant Academy. Worked on creating tutorials on Payments Hub Modernization, Payments on the Cloud. The Payments on cloud tutorial is chosen for Cognizant’s Synapse program. Conducted Market research to identify latest payment trends, performed gap analysis with current Cognizant solutions and built product roadmap. As a Digital Product Manager, spearheaded the digital transformation journey for a leading Indian Bank launching their first digital platform for customer onboarding and account opening. Worked on implementing Government mandated direct disbursements for the Bank. Product Owner for real time payments (UPI) and fraud and risk management (EFRM) platforms for NPCI - building the digital payments backbone for India. Worked on IMPS (Immediate Payment Service), AEPS (Aadhaar Enabled Payment System), BBPS (Bharat Bill Pay system), NACH (National Automated Clearing House) and other channel integrations with EFRM. Worked at international client sites developing the credit risk and CCAR applications for a Global US Bank. Collaborative team player with excellent communication skills and open to learning attitude to create product roadmap, product vision, execution and delivery. Focuses on execution excellence through strategic orientation, client focus, effectively managing change in an ever-evolving business landscape.

• Syllogistek - Certificate – Data Science - Year of Completion: 2018
• KPMG - Certificate – Lean Six Sigma Green Belt - Year of Completion: 2016
• Oracle - Certificate – DBA 9i and PL/SQL Developer - Year of Completion: 2010