Shriram Raju

About Shriram Raju

I am a product leader with over eight years of experience building and scaling payments and financial technology platforms in regulated environments.Currently, I lead end-to-end product ownership for acquiring and payments initiatives at Tide, a UK-based fintech serving SMEs. My work spans Tap to Pay, Card Readers, Checkout, Paylinks, Dynamic Pricing, and Chargeback workflows — operating at the intersection of Product, Engineering, Risk, Compliance, Finance, and Operations.I specialise in bringing clarity to ambiguous problem spaces, translating strategy into structured execution, and ensuring that growth is balanced with strong risk controls and operational governance. My experience includes scaling acquiring TPV from £5M to £49M, automating high-volume workflows, designing credit and fraud frameworks, and leading controlled product rollouts with minimal customer disruption.Previously, I led enterprise SaaS finance implementations at HighRadius, working with global system integrators and multi-billion-dollar clients across North America and EMEA. This strengthened my ability to operate in complex stakeholder environments while maintaining delivery discipline and data-driven decision-making.I am particularly interested in building resilient, scalable financial platforms where trust, reliability, and governance are as important as growth.Core Areas:• Payments & Acquiring• Product Ownership & Agile Delivery• Fintech Risk & Controls• Chargebacks & Reconciliation• Cross-Functional Leadership• Data-Driven Decision Making

Experience

1. Senior Product Operations Manager

   Tide

   Jul 2024 — Present · Hyderabad, IN

   Own end-to-end delivery of SME acquiring and payments products including Tap to Pay, Card Readers, Checkout, Paylinks, Dynamic Pricing, and Chargeback workflows.Act as single-threaded owner across Product, Engineering, Risk, Compliance, Finance, Analytics, and Member Support.Define product requirements, edge cases, success metrics, and operational controls to ensure production readiness.Lead phased launches using feature flags and risk-based segmentation.Partner with Risk and Compliance to shape acquiring credit policy and fraud controls.Build dashboards and monitoring frameworks for TPV, ATV, dispute rates, and reconciliation accuracy.Impact• Scaled acquiring TPV from £5M to £49M• Reduced operational overhead through automation• Improved dispute handling and reconciliation visibility

Education

• Sri Gayatri Junior college

  HSC, MPC

  2011 — 2013

• SRM IST Chennai

  Bachelor of Technology (B.Tech.), Mechanical Engineering - ABET Accredited

  2013 — 2017

• St, Andrews High School

  SSC

  2010 — 2011