Sara Khan

About Sara Khan

with over 20 years of experience in driving end-to-end delivery of Payments solutions, AI/ML features & Lending Platforms across large, & , & . Product strategy, Go-to-Market GTM product launches & cross-functional leadership for SDLC execution for acquisitions platform for 100 million users. Owned Citi’s implementation of Payment Protection Plan for Small businesses to issue $3.8 billion in loans to over 30K small businesses. Proven data-driven decision-making to optimize digital solutions that balance intuitive & secure user experiences with compliance & scalability. Recent work includes enhancing credit applications for instant approvals, installment loans, credit limit increases & payment enhancements. Excellence in communication, Agile & Design Thinking to ship impactful products. In the highly regulated small business lending space, I specialize in optimizing products that balance compliance with federal regulations, scalability, and intuitive user experiences. My recent work includes enhancing credit applications, installment loans, credit limit increases, and loan forgiveness solutions. Product Lifecycle Management Product Strategy | Feature Prioritization | TradeoffsML/AI Enabled FeaturesProduct Launch | Product Vision | Product Roadmap | Go-to-Market, GTMMarket Research | A/B Testing | Market Analysis Customer-Centric Mindset | User Empathy | User PersonasStakeholder alignment | Cross-Functional LeadershipExecutive Presentations | Prototyping | Wire-framing

Experience

1. Sr Technical Product Manager, Digital Lending Platform, Citi Retail Services

   Citi

   Dec 2020 — Present · TX, US

   Lead for strategic roadmap & product ownership of mature Lending products; Implemented Citi’s Payment Protection Plan & Dodd Frank 1071 Federal legislation to support Small Business lending of over $ 4 billion. • Spearheaded the SDLC for 3 Mature Products, Income Capture & Rate Sale to enable 8% to $$2.7 in 2024. Defined the lending roadmap in partnership with marketing & engineering teams to increase lending returns through product cross-sell and prequalified offers. • Translated federal legislation into product features for Citi to implement, of the Cares Act 2020, to support small business with loan forgiveness which issued over $3.8 in loans to impact 30K Small Businesses. • Led a 64K hour initiative to support the 1071 regulation in the Credit Limit Increase flow to implement CFPB mandated lending enhancements in alignment with CI/CDE & DevOps. This B2B enhancement aimed to advance loans to marginalized groups of small businesses including women & minority owned.• • Enabled the launch of the first 100% digital PIL application (BPNL) by defining and delivering 3 complex user flows in the B2C space. The PIL product integrated to personalize loans & tailor credit terms based on user profiles. The launch significantly expanded the credit applicant base, driving an overall 37% for Citi’s personal banking segment. • Enable instant approvals for Credit Line Increase applications based on risk criteria, user consent & real time bureau credit decisioning. Increased completion rates by 15%.• Migrated the digital payments product from legacy to next gen architecture ensuring compliance, resiliency & scalability to support 20 of the online platform.

Education

• University of St. Thomas - Opus College of Business

  Lean and Six Sigma Black Belt Certification

  2009 — 2009

• University of St. Thomas - Opus College of Business

  Mini Masters , Mini Masters of Project Management

  2008 — 2008

• University of Lucknow

  Master of Business Administration - MBA, Marketing

  2001 — 2003

• St. Stephen's College - University of Delhi

  BA with Hons, Humanities/Humanistic Studies

  1997 — 2000