Ankesh Kumar
Senior Product manager @ICICI Bank | Digital Rupee/CBDC, UPI & Digital payments IIT Delhi
- Role
- Senior Product Manager at ICICI Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Ankesh Kumar
Graduated from IIT Delhi; product lead for CBDC with end‑to‑end ownership across app and…
Experience
Senior Product Manager
Mar 2022 — Present · Mumbai, IN
Key responsibilities-1. Led CBDC end‑to‑end across consumer app and backend switch (strategy, specs, delivery, ops, compliance); scaled to 400k+ users & 60k+ merchants.2. Wrote PRDs/BRS, API specs, and flows; drove UX for Digital Rupee & InstaBIZ; owned UAT and production sign‑offs.3. Set up reconciliation and dispute workflows; improved SLAs for users & merchants.4. Coordinated Tech, Ops, Legal, Compliance with regulators, NPCI, banks, vendors, merchants, aggregators.5. Core member on parallel UPI switch; issued RFP and led vendor scoring across demos, tech fit, SLAs, architecture, & commercials.Key projects -1. UPI ↔ CBDC interop: enabled QR/phone transfers, real‑time status sync, & UDIR refunds for seamless reconciliation.2. Programmable CBDC: restricted‑use tokens; portal disbursements and P2P; Aadhaar onboarding for non‑bank users; lifecycle (redemption, refunds, top‑ups).3. Merchant acceleration: cut onboarding TAT from ~5 days to minutes via InstaBIZ automation and QR dispatch; added tracking, callbacks, status, refunds, intents, payouts.4. Foreign national flows (G20, RBI@90): voucher onboarding, card loading, auto‑purge on expiry under RBI/NPCI guidance.5. Payout rails: web portal/APIs to disburse CBDC to any wallet (incl. off‑us) for salaries, subsidies, DBT.6. Ops portal: user/txn search, reporting, merchant mgmt, reconciliation, cashback, KYC, deactivation.7. Reliability/UX: 50+ enhancements; registration time down 66%; tech declines down from ~10% to <1% in 3 months 8. Security/fraud: Falcon integration; real‑time phone‑number change sync; one‑click wallet block.9. Voice/NLP pilots in CBDC; fund‑blocking for P2P energy; NFT/Web3 payment‑vs‑delivery flows 10. DBT→CBDC via Aadhaar–NACH/APBS11. Contextual pCBDC cashbacks for offline UPI merchants: store‑locked, expiry‑bound, auto‑reversal 12. IoT voice payments on UPI: smart‑glasses voice payments via UPI Lite 13. UPI risk: decline at debit for beneficiaries flagged via FRI/MNRL
Education
SDSVM, bataha
Higher Secondary & Matriculation, science
2010 — 2015
Indian Institute of Technology, Delhi
Bachelor of Technology (BTech), Engineering Physics/Applied Physics
2015 — 2019
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