Sobha Raman

Vice President, Product Management @Raistone

Raistone is a rapidly growing fintech delivering billions of dollars of working capital directly to clients and our connected marketplaces. Raistone technology helps small-and medium-sized businesses, the growth engine of the global economy, obtain financing quickly and easily at accessible and competitive rates. At Raistone, we believe that all businesses should have access to their money, on their terms. Raistone was born with the vision of equalizing access to working capital and meeting the demand for structured finance on a global scale. A world leading fintech backed by equity investments from a $30-billion-plus family office and a $900 billion wealth manager, Raistone enables the financing of billions of dollars in transactions every year. With Raistone, financing is fully integrated with the same software platforms buyers and suppliers already use today. We provide facilities from to $500 million+.• Defined and managed the end-to-end transaction lifecycle, from invoice ingestion through pricing, offer creation, financing, and cash application.• Designed pricing and discounting models in collaboration with Ops and risk teams to balance growth and margin objectives.• Created product requirements for offer structuring, eligibility logic, and intuitive user flows to drive supplier adoption.• Partnered with underwriting and risk teams to embed automated credit decisioning rules and integrate external data sources using AI Agentic workflows.• Defined workflows to embed Raistone’s financing capabilities into partner platforms.• Owned product requirements of settlement, disbursement, and reconciliation processes to ensure reliability, transparency, and audit compliance.• Established product metrics, dashboards, and analytics to monitor performance, optimize pricing, and detect risk trends.• Collaborated cross-functionally with compliance, operations, engineering, and executive stakeholders to align product roadmaps with company growth goals.