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Hi, I’m Ranu Kumari—a Product Owner and digital transformation enthusiast who thrives on turning complex business needs into intuitive products. Over 16+ years, I’ve steered platform transformations, partnered with diverse teams, and delivered impactful fintech solutions at scale. I’m passionate about user-centric design, data-driven decision making, and AI-enabled transformation. I’ve led global teams across Europe, the US, and Asia, built strong governance and compliance programs, and continuously improved delivery speed and product quality. I’m currently pursuing MIT’s Applied Generative AI for Digital Transformation and hold an Indian passport with a Swiss B permit, based in Thalwil.…Hi, I’m Ranu Kumari—a Product Owner and digital transformation enthusiast who thrives on turning complex business needs into intuitive products. Over 16+ years, I’ve steered platform transformations, partnered with diverse teams, and delivered impactful fintech solutions at scale. I’m passionate about user-centric design, data-driven decision making, and AI-enabled transformation. I’ve led global teams across Europe, the US, and Asia, built strong governance and compliance programs, and continuously improved delivery speed and product quality. I’m currently pursuing MIT’s Applied Generative AI for Digital Transformation and hold an Indian passport with a Swiss B permit, based in Thalwil.

Ranu Kumari

Product Designer, UX Designer, UI Designer, +2

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Hi, I’m Ranu Kumari—a Product Owner and digital transformation enthusiast who thrives on turning complex business needs into intuitive products. Over 16+ years, I’ve steered platform transformations, partnered with diverse teams, and delivered impactful fintech solutions at scale. I’m passionate about user-centric design, data-driven decision making, and AI-enabled transformation. I’ve led global teams across Europe, the US, and Asia, built strong governance and compliance programs, and continuously improved delivery speed and product quality. I’m currently pursuing MIT’s Applied Generative AI for Digital Transformation and hold an Indian passport with a Swiss B permit, based in Thalwil.…Hi, I’m Ranu Kumari—a Product Owner and digital transformation enthusiast who thrives on turning complex business needs into intuitive products. Over 16+ years, I’ve steered platform transformations, partnered with diverse teams, and delivered impactful fintech solutions at scale. I’m passionate about user-centric design, data-driven decision making, and AI-enabled transformation. I’ve led global teams across Europe, the US, and Asia, built strong governance and compliance programs, and continuously improved delivery speed and product quality. I’m currently pursuing MIT’s Applied Generative AI for Digital Transformation and hold an Indian passport with a Swiss B permit, based in Thalwil.

Available to hire

Hi, I’m Ranu Kumari—a Product Owner and digital transformation enthusiast who thrives on turning complex business needs into intuitive products. Over 16+ years, I’ve steered platform transformations, partnered with diverse teams, and delivered impactful fintech solutions at scale.

I’m passionate about user-centric design, data-driven decision making, and AI-enabled transformation. I’ve led global teams across Europe, the US, and Asia, built strong governance and compliance programs, and continuously improved delivery speed and product quality. I’m currently pursuing MIT’s Applied Generative AI for Digital Transformation and hold an Indian passport with a Swiss B permit, based in Thalwil.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Intermediate

Intermediate

Intermediate

Intermediate

Intermediate

Intermediate

Language

English

Fluent

German

Beginner

Work Experience

Senior Manager at Visa Inc.

August 31, 2024 - October 15, 2025

Defined and communicated the vision and roadmap for Admin Console, enabling Visa’s transformation from mainframe to microservices supporting 500M+ daily transactions. Led MVP delivery, championed user-centric design, reducing manual interventions by 70% and improving operational efficiency by 30%. Partnered with Engineering, UX, QA, and DevOps to deliver integrations with 5+ core systems (Authorization, Billing, Settlement, EOD, etc.), enabling enterprise-wide platform transformation. Spearheaded platform continuity initiatives, including Breakglass system achieving 99.999999% availability and cluster failover optimization. Facilitated customer research and onboarding workshops to shape priorities and improve adoption across global clients. Established governance and compliance alignment while leading a product quality initiative that reduced production defects by 50% over 3 quarters. Defined KPIs and monitored outcomes against OKRs to continuously improve backlog prioritization and

Relocation, Travel & Skill Enhancement

August 1, 2024 - Present

Relocation, travel, and targeted skill enhancement period to explore new opportunities.

Senior Manager at Visa Inc.

August 1, 2024 - October 15, 2025

Defined and communicated vision and roadmap for Admin Console, enabling Visa’s transformation from mainframe to microservices (>500M daily transactions). Led MVP1 delivery, championed user-centric designs, reduced manual interventions by 70% and improved operational efficiency by 30%. Partnered with Engineering, UX, QA, and DevOps to deliver integrations with 5+ core systems. Led platform continuity initiatives, including Breakglass achieving 99.999999% availability and cluster failover optimization. Facilitated customer research and onboarding workshops; established governance and compliance alignment while leading a product quality initiative that reduced production defects by 50% over 3 quarters. Defined KPIs and monitored outcomes against OKRs to continuously improve backlog prioritization and delivery success.

Career Break / Relocation & Skill Enhancement at Self

August 1, 2024 - Present

Relocation, travel and skill enhancement to explore opportunities and upskill in AI and modern technologies.

Manager, Software Development at Verifone India Pvt. Ltd.

June 30, 2021 - October 15, 2025

Partnered with stakeholders (AMEX, WorldPay, Barclaycard) to define requirements and co-create compliant, user-friendly payment solutions. Drove sprint planning and feature development with 100% on-time deliveries, resulting in customer delight. Improved merchant onboarding UX, reducing onboarding time by 35% and increasing customer satisfaction. Delivered ISO8583-compliant payment gateway for AMEX EMV and magnetic stripe cards across contact/contactless, attended/unattended POS, CP/CNP sectors. Championed Agile adoption across teams, driving higher velocity and streamlined product delivery.

Manager, Software Development at Verifone India Pvt. Ltd.

June 1, 2021 - October 15, 2025

Partnered with stakeholders (AMEX, WorldPay, Barclaycard) to define requirements and co-create compliant, user-friendly payment solutions. Drove sprint planning and delivery with 100% on-time feature releases, improved merchant onboarding UX by 35%, delivered ISO8583-compliant payment gateway across multiple card and POS scenarios, and championed Agile adoption to increase velocity and reduce defects.

Lead Consultant at ITC Infotech

October 31, 2017 - October 15, 2025

Led client engagements as Lead Consultant, delivering payments and digital transformation initiatives. Coordinated with cross-functional teams, mentored staff, and ensured delivery excellence across multiple projects.

Lead Consultant at ITC Infotech

October 1, 2017 - October 15, 2025

Led consulting engagements and modernization initiatives, coordinating across client teams to deliver solutions.

Maternity Break

April 1, 2015 - October 15, 2025

Maternity leave and personal development period between roles.

Product Technical Lead at Infosys Technologies Limited

June 30, 2013 - October 15, 2025

Contributed to payments and core banking features, owned high-level designs, estimations, design reviews, and defect resolution. Delivered Finacle core banking features impacting 10M+ end users across 80 countries; implemented SWIFT and non-financial events functionality with on-time delivery and SLA adherence.

Product Technical Lead at Infosys Technologies Limited

June 1, 2013 - October 15, 2025

Provided product technical leadership, oversaw design and delivery, and collaborated with cross-functional teams to drive enhancements and modernization efforts.

Lead Engineer at HCL Technologies

April 30, 2012 - October 15, 2025

Led enhancements and maintenance including APACS messaging and platform stabilization; accelerated activation of payment gateway; contributed to troubleshooting production issues and SLA adherence; delivered Finacle core banking features affecting 10M+ end users across 80 countries.

Lead Engineer at HCL Technologies

April 1, 2012 - October 15, 2025

Led engineering tasks and contributed to design and development activities across projects.

Senior Software Engineer at Accenture Services

December 31, 2010 - October 15, 2025

Led backend redesign of Yahoo India SMBi platform, improving system response time by 25% and scaling to 50K+ SMB clients. Created high-level designs, provided estimations, contributed to development, and resolved production issues. Recognized with Accenture ACE and BEST Awards for performance and technical excellence.

Senior Software Engineer at Accenture Services

December 1, 2010 - October 15, 2025

Led backend development and client deployments; managed Yahoo India SMB platform redesign, improving system response time by 25% and scaling to 50K+ SMB clients. Created high-level designs, estimations, and contributed to development activities. Executed design constructs, development tasks, defect resolution, and production issue handling. Recognized with Accenture ACE and BEST Awards for performance and technical excellence.