Navada

About Navada

I’m a product leader who builds customer-facing financial products and the platforms that power them - across payments, banking, trust, risk, and data. My work sits at the intersection of customer insight, platform leverage, and business outcomes, with a focus on delivering reliable experiences that drive adoption, monetization, and long-term growth.At Intuit Credit Karma, I lead strategy for the Connected Accounts Platform, a foundational system supporting multiple consumer experiences. While my charter is platform-centric, my work is anchored in end-user outcomes - reducing friction, improving data reliability, and enabling teams to ship faster, more consistent experiences customers trust.Previously, I owned fraud and trust platforms supporting money movement at Credit Karma Money, reducing Account Takeover losses by 80% while balancing customer experience, growth, and risk.Earlier, I led fraud, KYC and identity products at Varo and Western Union, owning global KPIs across APAC, Europe, and North America. At Varo, I built and scaled a centralized fraud and risk decisioning platform, reducing go-to-market timelines by ~90% while materially improving approval rates, loss performance, and operational efficiency. At Western Union, I delivered $50M+ in annual revenue impact and $25M+ in cost savings through platform modernization in regulated environments.I operate at the intersection of scalable systems and customer experiences, using shared capabilities to improve decision quality, empower teams, and deliver cohesive customer journeys.How I operate as a product leader:Product Craft: Set clear principles and metrics that improve decision quality at scale.Customer-Centric Execution: Anchor system decisions in end-user outcomes, reliability, and trust.Platform Leverage: Design shared capabilities that increase speed and reduce duplication.Cross-Functional Leadership: Align teams and stakeholders around shared outcomes, tradeoffs, and decision frameworks.Areas of Expertise:Platform Product Management | Payments & Financial Workflows | Trust, Risk & Fraud | API & Ecosystem Strategy | Monetization Enablement | Customer Experience Platforms | Data & Decision Systems | Product Strategy & DesignI scale teams by setting clear principles, aligning people around shared outcomes, and helping teams make strong product decisions at scale.

Experience

1. Staff Product Manager Connected Accounts, Fraud & Trust

   Credit Karma

   Aug 2023 — Present · Charlotte, NC, US

   Nov ’24 – Present | Connected Accounts (Platform)• Lead product strategy for Connected Accounts, a foundational capability supporting multiple consumer experiences across Credit Karma.• Own bets and KPIs across account activation, data quality, enrichment, and connection health, anchoring decisions in customer outcomes and reliability.• Enable teams to ship faster and more consistent customer experiences by standardizing APIs, integration patterns, and shared capabilities to reduce fragmentation and improve trust at scale.Aug ’23 – Nov ’24 | Fraud & Trust (Credit Karma Money)• Led fraud and trust capabilities supporting money movement, balancing customer experience, growth, and risk.• Reduced Account Takeover losses by 80% while protecting conversion and engagement in critical user flows.• Built durable measurement frameworks and operating models to scale trust and reliability across high-risk financial journeys.

Education

• DVS PU College, Shimoga, Karnataka

  PUC XII, Science

• National Institute of Technology Surat

  B Tech, Electronics Engineering

• Symbiosis Centre For Management and Human Resource Development

  MBA, Finance, Systems and Strategy

Skills

• Banking
• Team Management
• Analytics
• Business Strategy
• Financial Analysis
• Requirements Gathering
• Strategy
• Management Consulting
• Requirements Analysis
• Management
• Valuation
• Business Analysis
• Finance
• Crm
• Emv
• Product Management
• Analysis
• Iso8583
• Data Analysis