Subramanian Krishnamurthy
Verified Expert in Product Management
Product Manager
Seattle, WA, United States
Toptal member since August 27, 2021
Subramanian is a product management leader with experience delivering large-scale customer-focused products in banking and financial services. At Wells Fargo, he migrated processes from an offline to a digital model, improving throughput. At Virtusa, he streamlined an online credit card service product to scale up 10x. Subramanian excels in defining product vision and driving product roadmap definition, detailing MVPs, and delivering products.
Project Highlights
Expertise
- Business Analysis
- Commercial Lending
- Microsoft Project
- Microsoft Teams
- Product Management
- Program Management
- Six Sigma
- Stakeholder Management
Work Experience
Finance Leader
Independent Finance Consultant
- Handled financial model development for a large auto auction provider to establish benefits for setting up an India development center.
- Advised on financial model development for a startup, validating revenue and cost assumptions, and worked on a pitch deck used to raise funds from friends and family.
- Developed a discounted cash flow model to drive optimal PE real estate funds decision-making.
Product/Program Manager
Silicon Valley Bank (Primary) - Main
- Developed the roadmap for LIBOR transition, facilitating the implementation of new tools to effectively track the transition progress.
- Worked with individual business lines to establish a cadence for monitoring the transition of loans off LIBOR to alternate rates. Developed guidelines for business lines on loan pricing to ensure zero margin impact during the transition.
- Completed the transition of the commercial bank, private bank, and mortgage portfolio off LIBOR, transitioning $22 billion of loans from LIBOR to alternate rates.
- Managed new product development, enhancement, bug tracking, and release fixes.
- Assessed the impact of LIBOR transition changes on loan origination systems nCino and recommended changes.
- Completed a data audit to reconcile system data with contractual data to ensure reporting accuracy.
Senior Finance Manager
Nordstrom
- Streamlined the contribution margin model to calculate financial margins accurately using the fulfillment method.
- Led the process of tool and vendor selection for automating the contribution margin.
- Managed the project to develop uniform KPIs across the enterprise.
- Established data lineage for data elements used in KPI calculation across Oracle Financials and Anaplan.
Business Systems Consulting Manager
Wells Fargo
- Collaborated with senior executives to build a new product roadmap for corporate treasury functions.
- Migrated many processes from offline to digital, simplifying work and improving throughput.
- Led the development of automated online tools to simplify the governance of interest rate risk management data.
- Oversaw the overall program roadmap in product development and identified efficiencies in product backlog management, development, and testing processes.
- Managed a defect triage process and ensured defects and bugs were fixed within SLA.
- Led the integration of auto finance and an automotive loan portfolio into the treasury data-sourcing process.
- Spearheaded the vendor selection process, including identifying vendor selection criteria, creating RFP, and validating RFP responses.
- Led a team of analysts working on user acceptance testing, managed test plan and test case development, and created a requirements traceability matrix.
- Managed the implementation of a data lineage tool to track data sourcing from multiple systems of records, including Oracle 1GL, loan information systems, and a deposit data store.
- Established data quality frameworks to analyze data being sourced for modeling and identifying improvement areas.
Engagement Director
Virtusa
- Led the development of a new enrollment product to enable enrolling credit unions on card programs.
- Streamlined an online credit card service product to scale up 10x.
- Established an onsite offshore model to optimize costs.
Director
NTT Data
- Launched a product to automate card processing operations and payments.
- Led many initiatives to improve online customer self-service for corporate banking customers.
- Launched an online interactive statements product for corporate customers.
- Deployed an online multi-currency product for commercial banking customers.
- Managed the FP&A process for a $30 million business line.
- Led initiative to implement a new lending system for commercial banking clients.
Business Analyst
ICICI Prudential Life Insurance
- Launched a channel management platform targeted at the captive sales force and agency sales force to support agents' lifecycles, from hiring, training, compensation, and performance management, which was used to manage over 40,000 insurance advisors.
- Charged with launching reporting automation using business objects to support sales tracking across the organization, leading to improved business management.
- Led the implementation of sales tracking and lead management tools for a 150-member captive sales team. This improved the lead conversion ratio by 75%.
Product Manager
Paisapower.com
- Charged with building India's first investment website with fulfillment capabilities.
- Launched a set of new products to help customers select a wide variety of investment and banking products targeted at consumer banking.
- Established customer support teams and defined processes to support customers.
Project History
Commercial Card Operations Product
Led the design and development of a product to streamline and automate a commercial card business line.
Online Interactive Statements for Corporate Banking Customers
Delivered the first online interactive statements product for Corporate customers
Lean IT Adoption and Gross Margin Optimization Framework for a IT and Business Consulting Firm
Delivered a 1% improvement in gross margin year over year for three years for the $300 million BFSI vertical. As a Lean IT navigator, I was able to re-engineer delivery processes, resulting in 10% savings in cost.
I was the Lean IT navigator for the BFSI vertical and, in this role, implemented a framework that focused on improving resource productivity and reducing wastage to deliver a 10% improvement in costs for two key accounts.
Online Product Solutions for Bank Treasury
Led the development of a set of online tools for corporate treasury at Wells Fargo, automating processes.
To comply with this requirement and to establish a strong product foundation for many other initiatives, we developed a product roadmap that would create a set of new tools to address data sourcing, data verification, and compliance reviews. This allowed the bank to automate data sourcing from over 60 different systems in a streamlined manner and allowed us to implement a robust data quality framework. The data quality framework helped us identify data quality issues in a systemic way and work with our data providers to address these issues.
We also set up a robust product operations framework to identify product defects and triage them, then deliver fixes and track the fixes on timelines against SLA.
Education
Master of Business Administration Degree (MBA) in Finance
Symbiosis Center for Management and HRD - Pune, Maharashtra, India
Bachelor's Degree in Computer Science
University of Madras - Chennai, Tamil Nadu, India
Certifications
Six Sigma Green Belt
Six Sigma Council
Skills
Tools
Microsoft Project, Jira, Slack
Paradigms
Requirements Analysis, Acceptance Testing, Six Sigma, Key Performance Metrics, Scrum, Agile, Agile Product Management, Agile Business Analysis
Industry Expertise
Banking & Finance, Marketplaces, Lean Six Sigma, Asset Management, Venture Capital, Health & Wellness
Other
Product Management, Business Analysis, Program Management, Process Optimization, Technical Product Management, Discovery Workshops, Project Management, Product Ownership, Stakeholder Interviews, Financial Modeling, Pitch Decks, Product Roadmaps, Online Payments, Requirements & Specifications, IT Business Analysis, Data, Business Requirements, Cross-functional Collaboration, Microsoft Office, Business Cases, Waterfall Methodology, New Product Business Cases, Project Timelines, Project Reporting, Project Budget Management, Cross-functional Team Leadership, Team Management, Strategy, Project Management & Work Tracking Tools, Continuous Improvement, Management Consulting, Request for Proposal (RFP), Roadmaps, Business Models, Revenue & Expense Projections, Three-statement Modeling, Product Operations, Stakeholder Engagement, Financial Software, Chief Product Officer (CPO), B2B, Business to Business (B2B), Vendor Selection, Data Product Manager, Financial Planning & Analysis (FP&A), Strategic Planning, SQL, Stakeholder Management, Commercial Banking, Financial Systems, eCommerce, Automation, Business Intelligence (BI), Best Practices, New Product Development, Data Management, Agile Leadership, User Stories, Sprint Planning, Standard Operating Procedures Development, Project Planning, Quality Assurance (QA), Web App Development, Product Owner, Business to Consumer (B2C), Product Discovery, Product Strategy, B2B Product Management, Product Vision, Data Reporting, Finance, Wireframing, Design, Revenue Modeling, Supply Chain, Manufacturing, Pricing Strategy, Market Research, Pricing Models, Process Flows, Business Transformation, Forecasting, Finance Transformation, Microsoft Power BI, GAP Analysis, Voice of the Customer (VoC), App Development, Minimum Viable Product (MVP), Innovation, Proof of Concept (POC), Feasibility Studies, Analytics, Board Presentations, Product Leadership, Team Leadership, Mentorship & Coaching, Use Case Analysis, Risk Analysis, Data Analysis, ROI, Payment Product Manager, Card Payments, Business Development, Customer Success, Consulting, Fraud Prevention, Fintech, Technical Requirements, Financial Reporting, Data Analytics, Enterprise Analytics, Product Consultant, Interim CPO, Finance Product Manager, Consumer Loans, Consumer Lending, Financing, Advisory, Fintech Consultant, Go-to-market Strategy, Startups, Salesforce, Data Auditing, Data Processing, Microsoft Teams, Commercial Lending, Loans & Lending, Lean IT, Margin Optimization, SAP, Websites, Website QA, Artificial Intelligence (AI), Product Delivery
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