FinTech Executive Mentoring · Gurugram, India

Elevate Your
FinTech Career
to the Next Level

Transition into Business Analysis, Product Ownership, Product Management, or C-suite-ready Leadership roles — with personalised mentoring from an 18+ year FinTech executive who has driven transformation inside Tier-1 banks and global financial institutions.

Book Discovery Call · ₹1,049 → Explore Programs
18+
Years in FinTech
4
Industry Domains
32
Certifications
18%
KYC Onboarding ↑
✦  Accepting Mentees
Dharmendra Sharma — FinTech Executive Consultant
Dharmendra Sharma
FinTech Executive Consultant
AI Product Strategist · Ex Principal Product Owner · FIS Global
Core Banking AI Product Strategy Payments & FX KYC · AML SAFe® Agile GenAI Open Finance
🎓
Anthropic Certified
AI Fluency and Frameworks
32 Globally Recognised Certifications
✦ SAFe® SP PO/PM ✦ Certified Scrum PO ✦ AI for PM ✦ Pragmatic Institute PM ✦ PCPM View LinkedIn Profile
Who This Is For

Built for FinTech professionals
ready to make the leap

Whether you're a domain expert seeking your first product role or an experienced practitioner aiming for the boardroom — this mentoring is built around you.

📊
Business Analyst

Operations specialists, data analysts, or tech leads who want to formalise BA skills — requirements, process design, stakeholder management — and step into a named BA role within FinTech.

🎯
Product Owner

Banking ops, compliance, or engineering professionals who want to own backlogs, run Agile ceremonies, and deliver product outcomes in regulated financial environments.

🚀
Product Manager

Experienced POs and BAs ready to own roadmaps, GTM strategy, and cross-functional product leadership — moving from execution to strategy in Payments, Lending, or AI-driven banking.

👑
Senior Leadership

Head of Product, VP Product, or CPO-track professionals who need executive presence, P&L thinking, board communication skills, and the confidence to lead digital transformation at scale.

Your Mentor

18+ years building real products
inside global FinTech

Dharmendra Sharma
Dharmendra Sharma
FinTech Executive Consultant
📍 Gurugram, India · Global Remote
18+
Years Exp.
4
Domains
32
Certs
🎓 Anthropic Certified
AI Fluency and Frameworks
SAFe® SP PO/PM Scrum PO AI for PM Pragmatic PM PCPM
🏅 32 Globally Recognised Certifications
Connect on LinkedIn

FinTech Practitioner — Not Just a Coach

Dharmendra Sharma is a FinTech Executive Consultant with 18+ years of hands-on product leadership across Banking, Fintech, Insurance, and Telecom. Most recently as Principal Product Owner at FIS Global Business Solutions — one of the world's largest FinTech companies — he has owned end-to-end product delivery across Core Banking, Payments Infrastructure, KYC/AML automation, and enterprise AI strategy for Tier-1 institutions across India, UAE, and global markets.

He has led cross-functional product teams in scaled Agile environments (SAFe®), defined vision and roadmaps for high-stakes regulated platforms, and shipped production-grade AI solutions that moved the needle on real business KPIs. He brings the same rigour, domain depth, and strategic clarity to every mentee he works with.

Key Achievements

🏆
18% KYC Onboarding Uplift — FIS Global Architected & shipped GenAI integration into enterprise KYC onboarding workflows. Reduced manual review time, improved STP rates, and delivered measurable efficiency gains at Tier-1 bank scale.
⚡
End-to-End AI Payments Intelligence Platform Led product design and delivery of an AI-driven failed transaction root cause engine, cutting reconciliation effort by 35% and reducing T+1 exceptions to near-zero for a major BFSI client.
🎯
SAFe® Programme at Enterprise Scale Implemented SAFe® Agile across 10+ squads at FIS Global — driving PI planning, OKR alignment, and quarterly cadence that reduced time-to-market by 40% across the payment product portfolio.
🌐
Founder — AI Product Partners Launched aiproductpartners.com — a dual-purpose platform delivering AI-powered FinTech Ops MVPs to BFSI enterprises and practitioner-led career mentoring for FinTech professionals globally.

Domain Expertise

Core Banking & Digital Platforms
ACH · SWIFT · Wire · FX Payments
KYC · AML · Sanctions Screening
GenAI & LLM Product Strategy
SAFe® Agile · PI Planning · OKRs
Open Finance · CBUAE · PSD2
Fraud Detection & Risk AI
Cash Management & Liquidity
Insurance Ops · FNOL · Claims AI
Wholesale Banking & Treasury
Regulatory Compliance (RBI, FATF)
Digital Transformation Strategy

Industries Served

🏦 Retail Banking 💳 Payments & Cards 🏛 Wholesale Banking 🤖 AI / Fintech 🛡 Insurance 📱 Telecom 📊 Lending & Credit
Mentoring Programs

Structured pathways for every
career transition goal

Every program is tailored to your background, target role, and timeline. Real FinTech context, real interview prep, real outcomes.

For Ops / Tech Professionals
Break into Business Analysis

A structured foundation for FinTech domain experts who want to formalise their BA craft and land a Business Analyst role in regulated financial services.

  • Requirements engineering & BRD writing for Fintech
  • Process mapping — payments, KYC, reconciliation flows
  • Stakeholder management and RACI frameworks
  • JIRA, Confluence, and Agile ceremonies for BAs
  • Gap analysis and AS-IS / TO-BE modelling
  • BA interview prep with live mock sessions
  • CV and LinkedIn profile optimisation
⏱ 6–8 weeks · 1:1 weekly sessions
Apply Now →
For BAs / Domain Experts
Become a Product Owner in FinTech

The most in-demand transition in banking tech. Own the backlog, drive sprint outcomes, and speak the language of product leadership in regulated financial environments.

  • Backlog management, sprint planning & prioritisation
  • SAFe® & Scrum for FinTech POs
  • Epics, Features & Stories with Acceptance Criteria
  • Working with Engineering in Agile & scaled teams
  • Open Finance, Cash Management, Payments deep-dives
  • Regulatory knowledge — PSD2, CBUAE, RBI guidelines
  • PO interview masterclass — STAR technique
  • CV overhaul + LinkedIn + referral strategy
⏱ 8–10 weeks · 1:1 + group sessions
Apply Now →
For Senior POs / BAs
Step Up to Product Management

From execution to strategy. Own the roadmap, build business cases, and manage product P&L in a FinTech context — payments, lending, or AI-powered banking.

  • Product strategy, vision & outcome-based roadmapping
  • Market sizing, competitive analysis, OKRs & KPIs
  • GTM planning & monetisation for FinTech products
  • AI / GenAI product strategy for banking & payments
  • Cross-functional leadership & stakeholder alignment
  • Board-level communication & investment cases
  • PM interview prep & case studies
⏱ 10–12 weeks · 1:1 intensive
Apply Now →
For Principal PMs / Heads of Product
Senior Leadership & Executive Decisions

Executive presence, scaled product thinking, and the leadership toolkit for Head of Product, VP, CPO, or C-suite aspirants in financial services.

  • Leading product organisations, tribes & squads
  • P&L ownership and financial acumen for executives
  • Board presentations & executive storytelling
  • Hiring, building & scaling high-performance product teams
  • AI strategy & digital transformation leadership
  • Navigating regulatory environments as a leader
  • Personal brand building for senior FinTech roles
⏱ 12+ weeks · Executive coaching format
Apply Now →
How It Works

A clear path from where you are
to where you want to be

01
Discovery Call

Free 30-min conversation to understand your background, goals, and target role. No pressure — just clarity.

02
Personalised Plan

A bespoke learning roadmap built around your FinTech domain, experience level, and realistic timeline.

03
Weekly Sessions

1:1 deep-dives covering frameworks, case studies, and real FinTech scenarios. Practical, never generic.

04
Interview Readiness

Mock interviews, CV & LinkedIn reviews, STAR technique, and salary negotiation for the FinTech job market.

05
Land the Role

Ongoing support through offer stage and your critical first 90 days. Your success is the only metric that counts.

Expected Outcomes

Measurable results,
not just knowledge

3–6
Months to Role Transition
Structured mentoring delivers results significantly faster than self-study alone
30%+
Typical Salary Uplift
Moving from ops or tech into product roles in FinTech brings meaningful compensation increases
100%
FinTech-Specific Content
No generic product frameworks — every lesson is rooted in Banking, Payments, and real BFSI context
1:1
Personalised Mentoring
Tailored to your background — not a cohort where you're one of fifty students
Industry Expertise

Deep FinTech domain knowledge
across every vertical

Mentoring grounded in 18+ years of practitioner experience across the full spectrum of global financial services.

💳
Payments & Transactions
  • ACH, SWIFT, Wire & SEPA payments
  • FX & cross-border transfers
  • UPI, RTP & instant payment rails
  • Cards processing & scheme rules
  • Reconciliation & exception management
🔐
Compliance, KYC & AML
  • KYC/CDD onboarding & automation
  • AML transaction monitoring
  • PEP & sanctions screening
  • Regulatory reporting (FATF, FINTRAC)
  • GenAI in compliance workflows
🏦
Core Banking & Digital
  • Core banking system transformation
  • Open Banking & CBUAE Open Finance
  • Cash management & liquidity products
  • Nostro / Vostro & GL reconciliation
  • Digital-first banking platforms
🤖
AI & GenAI Products
  • AI product strategy for BFSI
  • LLM integration in banking ops
  • GenAI-powered KYC & document AI
  • Fraud detection & risk ML models
  • Responsible AI & explainability
📈
Lending & Credit
  • Loan origination & credit decisioning
  • Collections strategy & early warning
  • Buy Now Pay Later (BNPL) products
  • Credit risk modelling & scoring
  • Open credit & embedded finance
🛡️
Insurance & Risk Ops
  • FNOL automation & claims intelligence
  • Claims leakage detection
  • Underwriting decisioning
  • Subrogation & fraud ops
  • InsurTech platform strategy
Mentee Outcomes

Real transformations from
real FinTech professionals

★★★★★

Dharmendra's mentoring was the turning point in my career. In 10 weeks I went from a banking ops analyst to landing my first Product Owner role at a leading FinTech. The PO interview prep alone was worth every session.

R
Rohit M.
Product Owner · UAE-based Payments FinTech
★★★★★

I had 8 years in banking IT but no idea how to position myself as a PM. Dharmendra helped me reframe every single experience through a product lens. I joined a payments startup as Senior PM within 4 months of starting mentoring.

P
Priya S.
Senior PM · Payments Startup, Bangalore
★★★★★

The AI and GenAI product strategy modules were exceptional. No other mentor brings both deep FinTech domain knowledge and real AI product experience from production deployments. Exactly what I needed to step into an AI Product Lead role.

A
Arjun T.
AI Product Lead · Global Bank, Mumbai
Get Started

Book your
discovery call

Let's talk about your next move

Paid Session · Secure Checkout
💳 ₹1,049 booking fee · 30-min 1:1 session

A focused 30-min session to map your background and target role. Your ₹1,049 is adjusted against the program fee if you enroll.

✉️
Email [email protected]
🔗
LinkedIn Connect with Dharmendra Sharma
🌐
Website www.aiproductpartners.com
📍
Location Gurugram, India · Global remote mentoring

Secured by Razorpay · UPI / Card / NetBanking · ₹1,049 adjusted on enrollment

Business Consulting · UDYAM-HR-05-0183047 · Gurugram, India

Strategic Business Consulting
for Founders, Growth-Focused Teams
and Small & Medium Businesses

We help businesses fix broken workflows, streamline payment collections, and unlock real growth opportunities.

Whether you're facing inefficiencies, revenue leakage, or scaling challenges, we identify the gaps and implement solutions that work. From optimizing operations to improving revenue flow, we don't just advise — we execute.

Expert advisory on payment architecture, digital transformation, AI/GenAI integration and regulatory compliance — drawn from 18+ years of hands-on BFSI product delivery across India and global markets.

We also provide expert advisory on payment architecture, digital transformation, AI/GenAI integration and regulatory compliance, drawn from 18+ years of hands-on BFSI product delivery across India and global markets.

"Just consult with us. We deliver. You will see the difference."

Book a Consulting Call → View Case Studies ↓
What We Offer

Advisory services built for
the reality of BFSI delivery

We work with banks, NBFCs, FinTechs, and payment companies as a trusted consulting partner — from scoping an AI pilot to navigating a regulatory migration.

💳
Payment Architecture

UPI, NACH, BBPS, SWIFT, ACH, RTGS/NEFT, ISO 20022 migration. Rail selection, exception handling framework design, reconciliation strategy, and STP rate optimisation for retail and wholesale payment platforms.

🤖
AI / GenAI Integration

Strategic advisory on integrating LLMs, GenAI, and ML models into existing banking operations — KYC automation, fraud detection, claims intelligence, document processing and compliance workflows.

📋
Regulatory Advisory

RBI Payments Vision 2028, PSD2, CBUAE Open Finance, FATF/AML compliance, ISO 20022 migration, and Responsible AI frameworks for regulated financial services environments.

🎯
Product Strategy & Roadmap

From business case to backlog — product vision alignment, market sizing, GTM strategy, OKR framework design, and cross-functional delivery oversight for FinTech platforms at seed, growth, or enterprise scale.

🔍
Due Diligence & MVP Scoping

Technical and commercial due diligence for BFSI SaaS investments, M&A assessments, and MVP scope definitions. Rapid-turnaround advisory for time-sensitive decisions.

🏛
Digital Transformation

Programme advisory for core banking transformation, open finance adoption, API banking strategy, and legacy modernisation — with hands-on SAFe® Agile delivery governance.

Client Engagements

How we help businesses solve
critical FinTech challenges

The following engagements are presented in anonymised form in compliance with non-disclosure obligations. Sector, challenge, approach, and outcome are accurate; client identities are withheld.

01
Retail Banking · India
GenAI-Powered KYC Onboarding Efficiency
Outcome Verified
The Challenge

A Tier-1 financial services platform was operating below industry STP benchmarks on customer onboarding. Manual document review queues were creating compliance bottlenecks, increasing cost-per-onboarding, and introducing regulatory risk in a high-volume retail banking environment.

Our Approach

Advised on integrating a GenAI-based document verification layer into the existing KYC workflow. Redesigned the exception routing logic to separate AI-confidence-high cases from human review queues. Defined acceptance criteria and model explainability requirements for regulatory alignment.

The Outcome
18%+
KYC Onboarding Efficiency Gain

Measurable reduction in manual review load. Improved STP rates. Compliant with applicable regulatory frameworks including model audit trail requirements.

02
Cross-Border Payments · India / Global
Payment Exception Management & Reconciliation Redesign
Outcome Verified
The Challenge

A payments business handling multi-rail cross-border transactions (ACH, SWIFT, and local rails) was experiencing T+1 exception accumulation, 8–12 hour per-cycle reconciliation effort, and unresolved Nostro breaks impacting settlement accuracy and client SLAs.

Our Approach

Designed an AI-assisted exception classification framework mapped to SWIFT MT/MX failure codes and ACH return codes. Introduced a root cause analysis engine to triage exceptions before human review. Defined T+0 reconciliation logic for real-time exception surfacing.

The Outcome
35%
Reduction in Reconciliation Effort

Near-zero T+1 unresolved exceptions post-implementation. Significant reduction in ops team hours per settlement cycle. Improved SLA adherence for correspondent banking relationships.

03
Wholesale Banking & Payments · Global
ISO 20022 Migration Advisory & Compliance Uplift
Outcome Verified
The Challenge

A cross-border payments product team faced the SWIFT ISO 20022 migration deadline with legacy MT103/MT202 flows creating structured data gaps. Sanctions screening was generating high false positive rates due to truncated originator and beneficiary information in flat MT format fields.

Our Approach

Delivered an MT-to-MX migration roadmap covering message schema mapping, data enrichment strategy, and correspondent banking API alignment. Advised on utilising enriched originator/beneficiary structured fields in MX format to improve sanctions screening precision and AML alert quality.

The Outcome
STP ↑   AML FP ↓
Improved Rates Across Both KPIs

Measurable STP rate improvement. Reduced AML false positive rates through structured MX data fields. Smooth migration pathway delivered ahead of SWIFT coexistence deadline.

🏅
Government Registered MSME — Ministry of MSME, India
UDYAM-HR-05-0183047
AI Product Partners · Gurugram, Haryana
How We Engage

From brief to outcome —
a clear engagement model

01
Discovery Brief

A structured 60-min scoping call to understand your challenge, current state, and desired outcomes. No obligation.

02
Proposal & Scope

A clear engagement proposal — objectives, deliverables, timeline, and fixed or milestone-based fee structure.

03
Deep-Dive & Advisory

Structured workshops, documentation review, stakeholder interviews, and hands-on product or architectural analysis.

04
Deliverables

Strategy documents, technical roadmaps, product briefs, or workshop outputs — clear, actionable, and audit-ready.

05
Ongoing Retainer

For continuous advisory needs — a monthly retained engagement with defined access hours and response SLAs.

Start the Conversation

Tell us about your
consulting challenge

Let's solve it together

Whether you need a rapid advisory engagement, a structured project, or an ongoing retainer — share your challenge and we will respond with a clear scope within 24 hours.

✉️
Consulting Enquiries [email protected]
🔗
LinkedIn Connect with Dharmendra Sharma
🏅
UDYAM Registration UDYAM-HR-05-0183047
✦ Paid Discovery Call · Secured by Razorpay
💳 ₹2,499 · 60-min Consulting Call

UPI / Card / NetBanking · ₹2,499 adjusted against project engagement

Payment Intelligence Series · By Dharmendra Sharma

FinTech Practitioner
Insights — Domain-first. No noise.

Practitioner-grade posts on Payments, AI Products, UPI, NACH, ISO 20022 and FinTech PM — mirrored from Dharmendra's LinkedIn.

Follow on LinkedIn →
All Posts · Feb 2026 — Present

Insights from the frontlines

Every post mirrored from LinkedIn. Click any card to read in full.

Never Miss an Issue

Get Payment Intelligence in your inbox

New posts every 2-3 weeks. Domain-first, practitioner-written, zero fluff.

AI-Powered FinTech Business Solutions

Our Business Solutions Platform

A modular AI Ops platform delivering production-grade MVPs across Banking, FinTech, Payments, and Insurance. Standalone, composable, pilot-ready in 30–90 days.

The Core Problem

Banks have an Operations Debt crisis

Manual exceptions. Fragmented tooling. Rising fraud and disputes. SLA breaches. Compliance fatigue. These aren't technology problems — they're operational debt that compounds every quarter. Our solution: a modular AI Ops platform delivering ready-to-deploy MVPs that plug directly into existing core banking systems, payment rails, CRMs, and data lakes — without ripping and replacing.

How It Works
① Connect — APIs / Files / Events
→
② Observe — AI Ops Layer
→
③ Decide — Models + Rules
→
④ Act — Automation / Human-in-loop
→
⑤ Learn — Continuous Optimisation
MVP Marketplace

Every MVP is standalone & pilot-ready

Fixed-fee pilots · 30–90 day deployment scope · Success-linked scaling

A
Payments Operations
Failed Transaction Root Cause AI
Reconciliation Automation (T+0)
Chargeback Prediction & Prevention
Merchant Dispute Intelligence
UPI / Cards Exception Classifier
B
Fraud & Risk Ops
AI Fraud Triage Engine
False Positive Reduction AI
Mule Account Detection
Post-Fraud Recovery Optimizer
Investigator Co-Pilot
C
Banking Operations
Exception Management AI
Ops SLA Breach Predictor
Nostro Break Detection
GL Mismatch Resolver
Customer Complaint Auto-Resolution
D
Lending & Credit Ops
Early Delinquency Predictor
Collections Strategy AI
Credit Ops Document Intelligence
Manual Override Risk Detector
E
Insurance Ops
Claims Leakage Detection
FNOL Automation
Subrogation Opportunity AI
Medical Document Intelligence
F
Compliance & Controls
Audit Readiness AI
Regulatory Change Impact Analyzer
AML Alert Prioritization
Maker-Checker Automation

Enterprise-Grade by Design

  • Cloud-agnostic — AWS · Azure · GCP
  • Secure-by-default — ISO 27001, SOC 2 ready
  • Explainable AI with full audit trails
  • Human-in-the-loop controls
  • LLMs + Classical ML hybrid architecture
  • Event-driven microservices
  • BPM + Decision Engines
  • Vector DB + Data Lake integration

Proof of Value — 90 Days

  • 30–60% Ops cost reduction
  • 40% faster exception resolution time
  • 20–35% fraud ops efficiency gain
  • Audit-ready automation from day one

Engagement Model

  • Pilot → Scale → Platform pathway
  • Fixed-fee pilot (no surprise costs)
  • Success-linked pricing on scale
  • Platform subscription for enterprise

Let's identify your highest-cost ops problem

Tier-1 Banks · BFSI Leaders · Payments · Lending · Insurance · InsurTech