Who i am



Ashutosh T

Management Consultant and Product Manager from Pune (INDIA)

I am working for European banks in consulting practices with an overall experience of 13+ years in the industry. I work closely with business clients to create Business Models, Business and Service Designs, Process optimizations and business solutions to ensure Regulatory Compliances in the financial services space. One such instance is my work with strategizing and hacking the growth via implementation of payments banks by our client. I have led earlier for 9 countries interacting heavily with clients and Designing Business solutions in channel integration and card processing and also merchants’ on-boarding areas. I have also been exploring different gamuts of management consulting in Supply Chain, Sourcing, Wealth Management, Transportation, Real Estates, Consumer goods and logistics.

Extra curricular includes organizing events, heading national level technical festivals and leading multiple committees. Exposure to these activities has been the source of personal enrichment while their fulfillment has given me tremendous inspiration in sculpting my career goals.

I would look forward to receiving a call to discuss further facts and aspects in detail, since communication is the key to drive intelligence.

Some facts

Finished projects
Happy customers
Working hours

My bio


    SAFe® Product Owner / Product Manager from Scaled Agile in 2022
    Strategic Management from Indian Institute of Management, Bangalore(IIMB) in 2019
    Lean Black Belt Professional (LBBP®) from Management and Strategy Institute, USA in 2018
    Information technology Infrastructure Library (ITIL®) from PeopleCert in 2017

      Member of Institute of Management Consultants India
      Member of Management and Strategy Institute USA
      Member of Global Financial Evaluation at Infosys 2015/16 Benchmarking Exercise for 150 global banks.

        Techniques to increase lifetime of wireless sensor nodes in wireless sensor networks, International journal of computer
        applications-2011. (publication)
        Clean cache in virtualization using Transcendent memory on KVM , Cloud Computing and Virtualization , WIVCC (2012).

          MBA (Consultancy Management) from Birla Institute of Technology and Science, Pilani in 2015 - 2017
          BE (Computer Engineering) from the University of Pune in 2009 -2012
          Diploma (Computer Engineering) from Government Polytechnic in 2006 -2009

          Associate Analyst

          • Banking and Payments

          BillDesk payments, Payment Gateway Systems and Regulatory Compliance is managed and solutioned
          Tracked and analyzed compliance reports to determine where improvements in business could be made.
          Elicitation of consolidated requirements of payment gateway systems, architectural improvements, design solutions and
          integration solutions adapting S-level management.

          Senior Business Analyst

          • Wealth Management
          • Transformations
          • Busines Modelling

          Francis International, while its imagination Now called as Francis International was imagined and Analyzed from
          Scratch to become the best Wealth management and corporate finance service offering in USA
          Re-imagined their business models and solve complex business challenges to create desirable business outcomes and
          further achieving their growth ambitions
          Identified objectives by analyzing feedback, observing consumers and surveys for respective services.
          Identified Target Customer Analysis and Business Strategy for Copper Nickel

          Associate Consultant

          • Banking
          • Logistics and Transportation
          • Manufacturing

          CyberSource VISA, EMEA, a strategic motive for ensuring payment gateway channel integrations (Kenya, South
          Africa, Uganda, Tanzania, Mozambique, Seychelles, Mauritius, Zimbabwe, Botswana) using Visa's cybersource. In association with Barclays and ABSA, Worked with the Director of Digital Channels to resolve Risk evaluation and
          Acquiring issues and problems, improve operations and provide exceptional customer service.
          Built and deepened relationships with internal and external personnel to enhance client retention and growth plans.
          Financial analysis published in Transactions of the 9 South African countries in the KPSS Region.
          Spearheaded business and Product operations by consistently seeking methods to improve profitability through cost
          containment, efficiency improvements and revenue generation.
          Barclays UK and ABSA EMEA together uniformly put retail banking concept for Competitive Benchmarking, Online
          banking for customers merged with e Commerce and analysis of shopping with banking,Customer Experience
          Management, Customer Service, Customer Retention, Customer Behavior Understanding, integrated together to give
          better Customer Experience
          Process design reviews, Business Flows, Transitional Business Methods, Optimized
          Process Improvement, Process design paradigms followed, efficiency achieved
          Evaluated diverse organizational systems to identify workflow, communication and resource utilization issues
          DHL Malaysia and TNT Europe Shipment Booking and payment capture campaign was planned to enhance Client
          Relationship Management, maintaining the Customer Life Cycle for supporting their Marketing Campaign, Cargo
          Screening is regulated operation handling system, Data Capture and Validation services is a Complex alternative for
          logistics management used to make DHL fully automated with end to end shipment handling worldwide warehouses
          Shipment tracking was made simple and visible at the microscopic level and maintained its compliance with banks.
          Procurement of the Shipment planned and accordingly designed in the Process overview, Sales effectiveness Achieved,
          increasing the customer base within the European region at the time of festivals leading to process simplification.
          Evaluated performance and policies against metrics to strengthen products and services digitalization

          Senior Consultant

          • Banking
          • Trade
          • Payments

          Nordea, Managing Bank wide Offerings for Business Intelligence, Payment Systems analysis, Payments Management
          Systems, Customer payments Lifecycle Management along with Regulatory Compliance, and Due Diligence Reporting
          Conceptualized and formulated an Industry Point of View and spearheaded a strategic analysis – driven workforce to
          amplify Open Banking ensuring SEPA compliance and Reporting with services governance.
          Worked with customers to understand requirements and provide exceptional Performance improvement, Technology
          Strategy and Process Optimizations for Different Payment Schemes avoiding service breaches.
          Managed Quality Assurance, Data warehousing, Cloud offerings, Annual Business Analytics and Reports, on site
          evaluations, internal audits, customer surveys and Business Intelligence programs.

          Senior Business Analyst

          • Banking
          • Transaction Advisory
          • Transformations

          Bank of Montreal and Natwest, Managing Bank-wide Offerings for Treasury and Cash Management, Payment
          Systems, Liquidity Pools, Market Makers, Virtual Accounts Management and Regulatory Compliance
          Lead Program Increments, pre-sales workshops to capture the business processes / challenge status quo and map
          processes to the appropriate system, with an ability to articulate clearly on why, what and how for better service quality.
          Decision making for project, PoVs, proposals including cost benefit and risk analyses to ascertain what projects need to
          be undertaken ensuring supplier integration with Decentralized and centralized financial ecosystems.
          Study key trends with respect to evolving risks and upcoming technology in the Fintech ecosystem to help define
          product roadmap more effectively towards Self-sufficiency for Users over IT systems


          What i do






          3D MAX