Joydip Saha
Product Management, Project Management- Digital Products and Platforms, Certified ScrumMaster ®, CBDC, UPI, Net Banking, Digital Lending, Retail Banking, MSME Banking.
- Role
- Product Manager- Digital Payments and Fintech Partnerships at IDFC FIRST Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Joydip Saha
Over 16 years of extensive experience in Core Banking, MSME and Retail Credit Appraisals, Product Management, and Project Management in the Digital Banking Products and Platforms group.Handled Projects Like CBDC, UPI, BBPS, Digital Lending, LLPS (LOS).Proven track record in leading cross-functional teams for product lifecycle management, business requirement documentation (BRD), functional specification document (FSD) analysis, and user acceptance testing (UAT).Skilled in stakeholder management, fostering partnerships, and aligning product initiatives with market needs and company vision.Expertise in credit underwriting and monitoring for retail and MSME, including significant experience with loan workflows, credit rating tools, and risk mitigation.In-depth knowledge of Finacle and other banking systems, adept at implementing and managing high-value reconciliations and ensuring compliance with risk regulations.Proficient in data visualization and project management tools such as Power BI, MS Visio, Tableau, Qlik Sense, and JIRA, enhancing data- driven decision-making and operational efficiency.Strong leadership abilities complemented by excellent communication, teamwork, problem-solving, and innovation skills.
Experience
Product Manager- Digital Payments and Fintech Partnerships
Mar 2025 — Present
Cbdc, pcbdc, utxo
Education
Maulana Abul Kalam Azad University of Technology, West Bengal formerly WBUT
Bachelor of Technology - BTech, Electrical and Electronics Engineering
2003 — 2007
Manipal Academy of Higher Education
Postgraduate Degree, Banking and Financial Support Services
2008 — 2009
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