Isha Bhatnagar

About Isha Bhatnagar

I’m a Senior Product Manager with experience across digital payments and core banking domains, including onboarding and lending.My primary focus has been on building and optimizing payment systems for A2A, Bulk Payments in NetBanking channels—working on transaction lifecycle, transaction states and success rate optimization.In addition, I bring experience in broader banking journeys such as customer onboarding and lending flows, which helps me think holistically about user journeys—from account creation to transaction execution.This combination allows me to bridge backend banking systems (CBS, payments infrastructure) with customer-facing product experiences.Key areas:• Payments (NetBanking, transaction lifecycle)• Payment success rate & reliability• Onboarding & customer journeys• Lending workflows

Experience

1. Senior Product Manager

   Publicis Sapient

   Jul 2020 — Present

   Owned development of bank-side payment platform supporting Retail and Bulk transactions across Mobile and NetBanking channels• Managed end-to-end payment transaction lifecycle including initiation, authorization, failure handling, and settlement flows• Improved payment success rates by identifying failure points and enabling retry and fallback mechanisms across channels• Built and optimized backend payment systems (channel layer), analogous to payment orchestration in gateway ecosystems• Led reconciliation and settlement processes ensuring accuracy across bank systems and external payment networks• Collaborated with risk, fraud, and technology teams to enhance transaction validation and reduce failed payments• Drove platform scalability and reliability for high transaction volumes with low latency requirements• Worked on customer onboarding journeys for faster/simpler onboarding and definition of Authorization Matrix• Led platform modernization for an insurance partner, enabling multi-language and multi-geo payment capabilities

Education

• JSSATE, Noida affliated to Uttar Pradesh Technical University

  B.TECH, Information Technology

• Indian School of Business

  Master of Business Administration (M.B.A.), Marketing & Strategy

  2014 — 2015

Skills

• Qtp
• Silktest
• Manual Testing
• Test Automation
• Regression Testing
• Test Cases
• Test Planning
• Selenium
• Functional Testing
• Test Management
• Defect Tracking
• Black Box Testing
• System Testing
• Integration Testing
• Testing
• Jira
• Agile Methodologies
• Lean Software Development
• Tortoise Svn
• Clearcase
• Quality Assurance
• Vbscript
• Hp Qtp
• Team Management
• Business Analysis
• Requirements Analysis
• Project Management