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Results-driven Certified Scrum Product Owner (CSPO®) and MBA from Indian Institute of Technology Bombay (IIT Bombay) with 4+ years of experience delivering high-impact digital and AI-driven financial products, engineering project consulting and managing complex Agile initiatives. Proven success in building 0-to-1 digital solutions, managing product backlogs, writing user stories, and leading cross-functional teams to deliver scalable products. Skilled in Agile ceremonies, stakeholder collaboration, and data-driven prioritization, with a strong foundation in both technology delivery and business strategy across banking, fintech, and engineering consulting sectors.…Results-driven Certified Scrum Product Owner (CSPO®) and MBA from Indian Institute of Technology Bombay (IIT Bombay) with 4+ years of experience delivering high-impact digital and AI-driven financial products, engineering project consulting and managing complex Agile initiatives. Proven success in building 0-to-1 digital solutions, managing product backlogs, writing user stories, and leading cross-functional teams to deliver scalable products. Skilled in Agile ceremonies, stakeholder collaboration, and data-driven prioritization, with a strong foundation in both technology delivery and business strategy across banking, fintech, and engineering consulting sectors.

Asjad Fazal Balbale

Project Manager, Product Marketer, Marketing Strategist

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Results-driven Certified Scrum Product Owner (CSPO®) and MBA from Indian Institute of Technology Bombay (IIT Bombay) with 4+ years of experience delivering high-impact digital and AI-driven financial products, engineering project consulting and managing complex Agile initiatives. Proven success in building 0-to-1 digital solutions, managing product backlogs, writing user stories, and leading cross-functional teams to deliver scalable products. Skilled in Agile ceremonies, stakeholder collaboration, and data-driven prioritization, with a strong foundation in both technology delivery and business strategy across banking, fintech, and engineering consulting sectors.…Results-driven Certified Scrum Product Owner (CSPO®) and MBA from Indian Institute of Technology Bombay (IIT Bombay) with 4+ years of experience delivering high-impact digital and AI-driven financial products, engineering project consulting and managing complex Agile initiatives. Proven success in building 0-to-1 digital solutions, managing product backlogs, writing user stories, and leading cross-functional teams to deliver scalable products. Skilled in Agile ceremonies, stakeholder collaboration, and data-driven prioritization, with a strong foundation in both technology delivery and business strategy across banking, fintech, and engineering consulting sectors.

Available to hire

Results-driven Certified Scrum Product Owner (CSPO®) and MBA from Indian Institute of Technology Bombay (IIT Bombay) with 4+ years of experience delivering high-impact digital and AI-driven financial products, engineering project consulting and managing complex Agile initiatives. Proven success in building 0-to-1 digital solutions, managing product backlogs, writing user stories, and leading cross-functional teams to deliver scalable products. Skilled in Agile ceremonies, stakeholder collaboration, and data-driven prioritization, with a strong foundation in both technology delivery and business strategy across banking, fintech, and engineering consulting sectors.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Intermediate

Intermediate

Language

English

Fluent

Work Experience

Product Manager at YES Bank Ltd.

March 1, 2025 - October 14, 2025

Led end-to-end product management for AI Chatbot, Mobile Banking, Web, and WhatsApp Banking; launched 20+ digital products, including 0-to-1 builds, enhancing customer engagement. Built and scaled self-service digital journeys for credit & debit card management, mutual funds, capital markets, and payments, boosting digital adoption and expanding service access by over 25%. Achieved 100% growth in feature adoption within one quarter via in-app messaging, customer education, and journey optimization. Designed and deployed NLP enhancements and chatbot UX improvements, reducing drop-offs by 50% and improving resolution rates. Delivered USD 850M+ in digital channel revenue and reached 5M+ active users in a single financial year. Reviewed API specifications, coordinated with engineering, and ensured seamless backend integration and platform scalability. Conducted user interviews, usability testing, and analytics deep-dives to identify pain points, validate solutions, and prioritize the produ

Product Management Intern at YES Bank Ltd.

June 1, 2022 - October 14, 2025

Optimized AI chatbot NLP by benchmarking against global BFSI standards, boosting accuracy from 60% to 96% through a structured roadmap, enhancing CX and earning a Pre-Placement Offer for ownership.

Engineer at Infrastructure Design Consultants Pvt. Ltd.

July 1, 2020 - October 14, 2025

Led remote cross-functional teams (15+ members) to drive seamless project execution, ensuring alignment with design and resolving on-site issues through real-time decision-making. Managed high-value infrastructure initiatives ($60M+ USD), ensuring on-time delivery and risk mitigation through effective stakeholder collaboration and data-driven planning.