Subrat Kumar Senapati
Product Manager @Amex (Loyalty Platform) | B2B and B2B2C products |FinTech, Payments, Banking | Building scalable platform products driving revenue and reducing costs | Ex-Oracle, Accenture, IBM
- Role
- Senior Associate Product Manager at American Express
- Location
- San Francisco, CA, US
- LinkedIn followers
- 500 followers
About Subrat Kumar Senapati
Seasoned Product Manager with 6+ years of experience building platform and customer-facing products across loyalty, payments, and banking. In my current role, I lead product strategy, roadmap prioritization, product discovery, and cross-functional execution for API and platform capabilities that serve both partners and end consumers. My work is centered on translating customer needs into scalable, reliable products that strengthen user journeys, improve operational efficiency, and deliver measurable business impact across experiences used by millions of users. My experience spans both startups and Fortune 500 companies, giving me the range to build in ambiguity and operate at enterprise scale. I have worked across payments and banking platforms covering card payments, ACH, cross-border payments, Faster Payments, SEPA, SWIFT messaging, and ISO 20022, with familiarity across instant payment rails such as RTP and FedNow, along with lending and deposit platforms. Across these domains, I have partnered with engineering, design, risk, compliance, operations, and go-to-market teams to launch products that help scale business, support revenue growth, and improve the customer experience. I also bring 4 years of engineering experience, which gives me the technical fluency to discuss architecture, APIs, data flows, platform tradeoffs, and developer experience with credibility. I am hands-on with SQL and use data, metrics, and experimentation to guide prioritization and decision-making. Outside of work, I actively build with AI as a vibe coder, creating personal AI agents and workflow automations to accelerate discovery, analysis, prototyping, and execution.
Experience
Senior Associate Product Manager
Jun 2024 — Present · San Francisco, CA, US
Designed high-performance, scalable APIs external partners and internal channels for seamless integration with the modernized loyalty platform. • Drove product initiatives to improve user experience and operational efficiency.
Education
University of San Francisco
Master's degree, Management Information Systems, General
Silicon Institute of Technology (SIT), Bhubaneswar
Bachelor of Technology (B.Tech.), Electrical and Electronics Engineering
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