Sarvesh Kulkarni
Group Product Manager @ PayPal | Commerce Platforms & Payments | B2B | Open Banking | Transaction Processing Rails
- Role
- Group Product Manager at PayPal
- Location
- Sunnyvale, CA, US
- LinkedIn followers
- 500 followers
About Sarvesh Kulkarni
Product builder working on commerce platforms, B2B billing systems, and payment infrastructure at scale. I turn complex payment ecosystems into seamless customer experiences.What I do:→ Lead product strategy for deposits, B2B billing, and real-time payment platforms; manage 2-year roadmaps→ Drive 50M+ monthly transactions across card networks and global payment rails (RTP, SEPA, FPS, PIX)→ Partner with risk on data models for fraud detection, forecasting, and payment optimization→ Handle compliance challenges in nested e-commerce setups; explore agentic AI use cases and authorization frameworks→ Work with bank partners and merchants to ensure local country processing rule adherence→ Improve orders, returns, and B2B payout API flows to capture required informationRecent impact:• Launched Direct Deposit:$0.5B monthly inflows, 300K new users/month• Data driven account verification reduced invalid accounts by 33%, saving $1M/month• Defined product architecture and bank processing setup for PPCP/Braintree third-party platform (20% of PayPal TPV)• Architected unified APIs across 6 global real-time payment networksTechnical toolkit: Claude MCP, Cursor, Docker deployment, SQL, Excel (advanced analytics)
Experience
Group Product Manager
Apr 2019 — Present
Key areas of expertiseProduct leadership and team management•Business cases, ideation, design and implementation of products and platforms•Product Revenue and margin KPIs. Track cost to run and maintain products•KPIs for user growth, product adoption, SLAs and processing volume improvement•Prioritization of product features and requirements, cross platform intake, trade off discussions•Drive product execution for meeting deadlines, work with cross functional teams which include program management, engineering (full stack), data analytics, operations, customer service, markets•Experience leading industry relationships, partner selection RFIs and price / contract negotiations•Manage 2-year product roadmaps; handle compliance challenges in nested e-commerce setups•Work with bank partners and merchants to ensure local country processing rule adherenceSample product experience•Merchant Products - Unbranded payments with third party payment processor integrations and direct merchants•Consumer Products - Direct Deposit / Savings Products for PayPal and Venmo•Banking APIs – ntegrations and data exchange•Data analytics solutions to reduce loss rates, improve recoveries•PPCP/Braintree - Defined product architecture and bank partner processing setup (platform contributes 20% of PayPal TPV)•Orders, returns, and B2B payout API flowsKey metrics•Direct Deposit:$0.5B monthly inflows, 300K active users/month•Real-time payment APIs across 6 global rails (RTP, SEPA, FPS, PIX, SPEI, Interac)- 50M+ monthly transactions, 99.99% uptime•ML-powered verification reduced invalid accounts by 33%, saving $1M/monthAI & Delivery Tools•Explore ML models for fraud detection, forecasting, and payment optimization•Exploring agentic AI use cases: authorization frameworks, compliance challenges•Using Claude MCP for delivery acceleration
Education
University of Mumbai
Bachelor of Technology (B.Tech.)
1998 — 2002
GARP FRM Certified
FRM, Finance banking
2013
XLRI Jamshedpur
MBA, Finance, General
2003 — 2005
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