Key Strengths

Extensive experience (9+ years) in Product Management within the highly specialized Payments, Cards, and Digital Banking domains.
Proven track record in 0->1 product development and end-to-end product lifecycle management, including vision, roadmap, and GTM strategies.
Deep expertise in critical payment systems (SWIFT, ISO 20022, ACH, Wires, ISO 8583, API-based architectures) and regulatory compliance (PCI-DSS, AML/KYC).
Strong Agile leadership, demonstrated by managing multiple cross-functional teams (product, engineering, UI/UX, QA) and driving execution.
Solid technical acumen with experience in API integrations, SQL, data analysis tools (Power BI, Tableau), and cloud platforms (AWS, Azure).
Commitment to continuous learning and skill development, evidenced by numerous certifications in project management, agile, data science, and cloud technologies.

Cultural & Operational Fit

Cultural Fit Analysis

The candidate's diverse experience across multiple financial institutions (CANDESCENT, Capgemini, Federal Bank, Navi, SBI Card) indicates adaptability and the ability to thrive in varied organizational cultures. The breadth of certifications and ongoing education in Data Science & AI demonstrates a proactive, growth-oriented mindset, aligning well with dynamic and innovative environments. Experience managing cross-functional teams and driving complex initiatives suggests a collaborative and results-oriented approach, fitting well into a high-performance culture.

Soft Skills & Operational Fit

The candidate demonstrates strong leadership and team management capabilities, having managed multiple Agile teams. Excellent stakeholder management and communication skills are evident through collaboration with diverse teams (business, operations, technology, UI/UX). Problem-solving abilities are highlighted by leading complex transformation initiatives and 0->1 product development. A proactive, growth-oriented mindset is shown through continuous learning and certifications. Operational efficiency is supported by experience with SDLC, UAT, defect management, and Lean Six Sigma principles.

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NIDHI SHARMA

Product Manager

https://www.opentalent.in/nidhi-sharma

Product Manager with 9+ years in Payments, Cards, and IT Business Banking

CANDESCENT

Bengaluru, Karnataka, IndiaMember since May 19, 2026

https://www.opentalent.in/nidhi-sharma

About

Senior Product Manager / Lead Business Analyst with 9+ years of experience in Payments, Cards, and IT Business Banking (Money Movement), leading 0→1 product development across global banking platforms. Proven experience in managing and leading 3 cross-functional Agile teams, ensuring alignment across product, engineering, UI/UX, and QA for end-to-end delivery. Expertise in Wires, SWIFT, FedWire, ACH, RTP, and ISO 20022 payment systems with strong focus on PCI DSS 4.0 and regulatory compliance (PSD2/PSD3). Experienced in product strategy, roadmap, Agile/SAFe delivery, including SIT/UAT coordination, production deployment, and post-go-live support. Certified in Agile (Scrum/SAFe), CBAP®, PMP®, PMI-ACP®, and Lean Six Sigma Black Belt, with exposure to API-first architectures (REST/BIAN), IT Business Banking money movement platforms, AI/analytics-driven product improvement, fraud risk management, and enterprise banking transformation.

Top Skills

Stakeholder ManagementSAPSplunk

Skills

Stakeholder ManagementData AnalysisProject ManagementData WarehousingSAPProduct ManagementSwiftRegulatory ComplianceJiraConfluenceAzure DevopsPostmanPower BIFigmaSplunkKibanaGithubJenkinskafka

Education

Indian Institute of Technology, Roorkee

Post Graduate Diploma (PGDP) · Data Science & Artificial Intelligence

August 1, 2026 – Present

Simplilearn

Master's Certification · Business Analyst (IBM & EY Collaboration)

N/A – June 30, 2023

SASTRA University

MBA · Human Resources Management

N/A – June 30, 2017

Anna University

B.Tech · Computer Science & Engineering

N/A – June 30, 2015

Experience

CANDESCENT

AVP | Senior Product Manager /Senior Product Owner (Candescent Payments, USA)

October 1, 2025 – Present

Bengaluru, Karnataka, India

CAPGEMINI

Senior Technical Product Manager/Analyst – AVP (Barclays Payment Merchant Services, UK – Discover Financial Services, USA)

June 1, 2024 – September 1, 2025

Bengaluru, Karnataka, India

FEDERAL BANK - IT DEPARTMENT

Product Manager /Senior Business Analyst (Cards & Co-Branded Cards)

July 1, 2023 – May 1, 2024

Bengaluru, Karnataka, India

NAVI TECHNOLOGIES LTD

Technical Business Analyst (Unified Payments Interface)

April 1, 2022 – June 1, 2023

Bengaluru, Karnataka, India

SBI Card

Project Manager (Core Banking /Payments Assistant)

Certifications

AWS

Unknown

May 1, 2026 – Present

REST/SOAP APIs

Unknown

May 1, 2026 – Present

Java

Unknown

May 1, 2026 – Present

MongoDB

Unknown

May 1, 2026 – Present

SQL (Microsoft/PostgreSQL)

Unknown

May 1, 2026 – Present

Alteryx

Unknown

May 1, 2026 – Present

Key Strengths

Extensive experience (9+ years) in Product Management within the highly specialized Payments, Cards, and Digital Banking domains.
Proven track record in 0->1 product development and end-to-end product lifecycle management, including vision, roadmap, and GTM strategies.
Deep expertise in critical payment systems (SWIFT, ISO 20022, ACH, Wires, ISO 8583, API-based architectures) and regulatory compliance (PCI-DSS, AML/KYC).
Strong Agile leadership, demonstrated by managing multiple cross-functional teams (product, engineering, UI/UX, QA) and driving execution.
Solid technical acumen with experience in API integrations, SQL, data analysis tools (Power BI, Tableau), and cloud platforms (AWS, Azure).
Commitment to continuous learning and skill development, evidenced by numerous certifications in project management, agile, data science, and cloud technologies.

Cultural & Operational Fit

Cultural Fit Analysis

Soft Skills & Operational Fit