AI is analyzing your overall score…

Identifying your key strengths…

Evaluating your skill match against the job requirements…

Key Strengths

Extensive experience (6+ years) in the UPI/NPCI ecosystem, payment gateways, and transaction lifecycle management, which is highly relevant for a Product Manager in FinTech.
Demonstrated ability in data analysis (SQL, Kibana, Advanced Excel) and workflow automation (Google Apps Script, AI tools) to drive operational improvements.
Proven track record of achieving high accuracy (99.8%+) and reducing manual effort (40%) in reconciliation and reporting operations.
Experience in identifying and resolving process gaps, improving transaction success rates (10-15%), and managing L3 escalations, indicating strong problem-solving skills in an operational context.
Background in fraud risk monitoring and SLA adherence, crucial for payment product integrity.

Cultural & Operational Fit

Cultural Fit Analysis

Critically low, as indicated by a score of 0 on the psychometric test. This suggests a fundamental deficiency in logical reasoning, work attitude, stress handling, and team collaboration, which are essential for cultural and operational fit within any professional environment.

Soft Skills & Operational Fit

Based on the resume, the candidate claims strong operational fit through problem-solving (RCA, L3 escalations), attention to detail (high accuracy rates), process improvement, and collaboration with various teams (Transaction Monitoring, Chargeback, Fraud, Nodal). However, these claims are directly contradicted and unvalidated by the psychometric test score of 0, which specifically evaluates logical reasoning, work attitude, stress handling, and team collaboration.

AI is analyzing your overall score…

Identifying your key strengths…

Evaluating your skill match against the job requirements…

Ratan Kumar Jha

Product Manager

https://www.opentalent.in/ratan-kumar-jha

PGDAV College (Eve.)

Delhi, Delhi, IndiaMember since May 3, 2026

https://www.opentalent.in/ratan-kumar-jha

About

Payments and Operations Analyst with 6+ years of experience in the UPI/NPCI ecosystem, payment gateways, reconciliation, settlement operations, and fraud risk monitoring. Skilled in SQL, RCA (Root Cause Analysis), and workflow automation to analyze and resolve highvolume payment failures and operational exceptions. Proven track record of driving 20%+ reduction in operational gaps, improving transaction success rates, and achieving 99.8%+ accuracy in large-scale transaction volume through data-driven insights, automation initiatives, and system improvements.

Skills

Operations StrategySQLGrowth StrategyPayment SystemsMs OfficeAi Tools

Education

PGDAV College (Eve.)

B.com · Finance

July 31, 2016 – May 22, 2019

Key Strengths

Extensive experience (6+ years) in the UPI/NPCI ecosystem, payment gateways, and transaction lifecycle management, which is highly relevant for a Product Manager in FinTech.
Demonstrated ability in data analysis (SQL, Kibana, Advanced Excel) and workflow automation (Google Apps Script, AI tools) to drive operational improvements.
Proven track record of achieving high accuracy (99.8%+) and reducing manual effort (40%) in reconciliation and reporting operations.
Experience in identifying and resolving process gaps, improving transaction success rates (10-15%), and managing L3 escalations, indicating strong problem-solving skills in an operational context.
Background in fraud risk monitoring and SLA adherence, crucial for payment product integrity.

Cultural & Operational Fit

Cultural Fit Analysis

Soft Skills & Operational Fit