Praneeta Nitin Raut
Product Manager
Singapore
Summary
SAFe-certified Product Manager with 11+ years of experience in the IT and financial services industry, specializing in Agile (Scrum, Kanban) and Waterfall delivery. Proven track record in driving digital transformation across Internet and Mobile Banking, Corporate Payments, and Core Banking systems. Adept at managing the full product lifecycle—from requirement gathering and roadmap development to commercialization and go-live.
Led multiple payment modernization initiatives across domestic and cross-border ecosystems, including real-time payments, SWIFT, ISO 20022 migration, and API integrations. Experienced in defining and implementing User Acceptance Testing (UAT) frameworks and Center of Excellence (CoE) models to ensure high-quality product delivery.
Strong expertise in regulatory compliance, complex system integration, and stakeholder alignment across Sales, Operations, Front Office, and Country teams. Technically proficient in Product & Release Management, UAT Coordination, Incident/Change Management, and end-to-end service delivery.
Currently working as Product Manager at the Singapore Land Authority via Tech Mahindra. Previously spent 10+ years at DBS Bank Singapore, focusing on Retail and Corporate Payment products including Domestic Transfers, Cross-Border Remittances, Digital Wallets, QR Payments, and Merchant Acquiring.
Overview
11
11
years of professional experience
2013
2013
years of post-secondary education
2
2
Certifications
Work History
Product Manager
Singapore Land Authority
10.2024 - Current
- Led global Agile teams across offshore and onshore locations, ensuring seamless collaboration, alignment, and communication throughout the product development lifecycle.
- Established a robust UAT Center of Excellence (CoE) by embedding industry best practices, governance models, and testing methodologies to drive product quality and readiness.
- Drove user acceptance testing (UAT) processes in collaboration with Operations, IT, and business teams, ensuring product functionality met user expectations through rigorous feedback loops pre-launch.
- Oversaw end-to-end product development for payments and collections, including cross-border solutions—managing the entire lifecycle from ideation, discovery, and design through launch and commercialization.
- Developed product pricing and go-to-market strategies, ensuring commercial viability and competitive positioning in alignment with organizational goals.
- Collaborated with marketing teams to craft compelling product messaging, driving awareness, adoption, and differentiation in the market.
- Monitored KPIs and success metrics, reporting regularly to executive leadership on product performance, customer satisfaction, and market impact.
- Led product discovery workshops, backlog grooming, and Agile ceremonies, translating business needs into user stories and sprint deliverables to ensure timely and value-driven releases.
- Managed stakeholder expectations and prioritized requirements with Product Owners and cross-functional teams for on-time delivery of high-quality solutions.
- Fostered strategic partnerships with external vendors and internal stakeholders across Sales, Operations, Implementation, Service, and Local branches to enhance and scale product offerings.
- Designed business processes, workflows, and solution documentation to support both functional and architectural product requirements.
- Conducted market research and competitor analysis to identify trends and innovation opportunities within the payments ecosystem.
- Led AS-IS / TO-BE gap analysis and requirement workshops, aligning business goals with technical capabilities to drive transformation.
- Contributed to solution design (HLD & LLD) and served as API integrator—translating business logic and dependencies for seamless internal and external system connectivity.
- Mentored and coached junior analysts, driving capability uplift and fostering domain expertise within the product and BA teams.
- Delivered training and enablement to clients and internal users on product features and UAT procedures to ensure adoption and understanding.
Product Owner Cum Business Analyst
DBS Bank
02.2014 - 10.2024
- Owned the strategy, roadmap, and delivery of core payment products across corporate internet banking platforms, including real-time domestic payments (PayNow, FAST) and cross-border transactions.
- Defined product features, customer journeys, and functional specifications by collaborating with operations, compliance, and technology partners.
- Led UAT strategy and governance as part of a Testing Center of Excellence (COE), improving testing standards and time-to-market.
- Delivered enhancements aligned with MAS regulatory requirements, including digital token standards and FATCA compliance.
- Developed product positioning and pricing strategies to optimize revenue and drive market adoption of payments and collection offerings.
- Partnered with marketing to shape compelling go-to-market campaigns and client-facing communications.
- Established and tracked key performance indicators (KPIs) to measure product adoption, transaction volumes, operational efficiency, and customer satisfaction.
- Provided regular performance reporting and insights to executive leadership, supporting data-driven decisions and continuous improvement.
- Monitored competitive trends to refine product strategy and maintain market relevance.
- Acted as the single point of accountability across IT, Sales, Implementation, and Operations to align on product goals, delivery timelines, and issue resolution.
- Led product backlog grooming, sprint planning, and Agile ceremonies to ensure feature development aligned with business priorities and customer value.
- Designed and facilitated product training and enablement sessions for internal stakeholders and end users.
Education
Bachelor of Engineering - Computer Science
Savitribai Phule Pune University
Skills
- Agile & Scrum Methodologies JIRA & Confluence
- Product Lifecycle Management Digital Transformation Initiatives
- Requirement Gathering & Elicitation User Stories & Acceptance Criteria
- BRD, FSD & Solution Documentation Use Case Development
- Story Point Estimation Burn Down & Velocity Charts
- Change Request Management SIT, UAT, and Defect Management
- UAT Coordination & Stakeholder Sign-Off
- Retail & Corporate Banking Products
- Payments & Collections (Domestic, Cross-border, Instant, SWIFT, SEPA, ACH, RTGS)
- Credit Risk Management Trading & Banking Book Analysis
- Regulatory & Compliance Reporting
- Core Banking Platforms: Temenos T24, Avaloq, Finacle
- As-Is / Gap Analysis Process Reengineering
- Risk & Impact Analysis Regulatory Change Management
- SWOT Analysis MoSCoW Prioritization
- Data Mapping API Integration (REST/SOAP)
- Plant UML Sequence Diagrams
- Figma Wireframing & Prototyping
- Stakeholder & Vendor Engagement
- Cross-functional Team Collaboration
- Team Leadership Coaching & Mentoring
- Relationship Management Active Listening Conflict Resolution Negotiation
Certification
ISTQB
Projects
Paylah
Paynow
Next Gen Internet Banking
Digi bank DBS
FATCA
Fraud
Digi Vault
Avaloq|T24 migration
Wealth products
MAS Regulatory implementation - Digital token
Timeline
Product Manager
Singapore Land Authority
10.2024 - Current
Product Owner Cum Business Analyst
DBS Bank
02.2014 - 10.2024
Bachelor of Engineering - Computer Science
Savitribai Phule Pune University
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