# Avinash Rathore (Fintech and Data/AIML SME) > Data/AIML & Fintech Product Leader | Payments|Banking|eCommerce|Data|BlockChain|AIML Location: San Francisco Bay Area, United States Profile: https://flows.cv/avinashrathorefintechanddataai Seasoned business and technology leader. Experienced product manager. Managed multiple strategically important fintech software products. Currently heading product department for multiple financial product line. Leading product team including technical (Platform and Data/AIML) and functional PMs. Defining key strategic goals and building/aligning teams and PDLCs from accordingly. Managed and developed white labeled digital and mobile payment/banking product based on Cards (Credit, Debit, prepaid , ACH , Branded wallets , Alt Payments etc.) Cross channel, Omni-channel service platform. Worked in cutting edge technology features like: Cloud based payment, NFC - HCE(Host Card Emulation) technology, Remote deposit capture, mobile ,location confirmation, card less cash, p2p, configuration management etc. Product & Program Management . Business Domain : Finance/Derivatives/Banking, Energy/Utilities, Retail, E-Commerce, IT. Technical lead, architect, designers, developer/programmer . Technical domain expertise : SOA, SaaS, PaaS, IaaS, Restful, System Integration. Enterprise Application Integration, Big Data & data Analytic, Java/J2EE, TIBCO, Client-server, SAML. ## Work Experience ### Co-Founder @ Digitenium Jan 2023 – Present | San Francisco Bay Area Driving the development of next-generation financial and payment solutions, powered by a state-of-the-art blockchain & AIML technology stack. Expertise includes Generative AI, AI/ML platforms, MLOps, data platforms, and Generative AI knowledge bases. Specialized in RAG-as-a-Service, passkeys, biometric payments, charge cards, and expense management. Focused on advancing B2B and A2A payments, AI-driven agentic platforms, multi-agent systems, and blockchain innovations, including Ethereum Layer 1 and Hyperledger Layer 2., Smart Contract, DeAI. ### Sr Manager Product Innovation @ Visa Jan 2024 – Jan 2025 | San Francisco Bay Area Leading North America next generation product feature's innovation, market opportunity, strategy, design and execution for Payment, Banking, Data & AIML platform including Gen AI - Visa Assist, Risk/Fraud models Realtime/Batch inferencing, AI Agentic commerce, Gen AI knowledge data repository, Pay-by-Bank, Biometric payments using passkey, Next gext MLOps and Data platforms. ### Senior Manager of Product Management @ PayPal Jan 2019 – Jan 2023 | San Francisco Bay Area Payment Data Platform, feature engineering, MLOps, AIML platform, and financial services products, High Yield Savings Account, Deposit Platform, Billing/Reporting, BrainTree Merchant Services & Exp, ### Senior Manager of Product Management @ Western Union Jan 2018 – Jan 2019 | San Francisco Bay Area Digital/Mobile cross border remittance and payment products. ### Senior Manager of Product Management @ FIS Jan 2016 – Jan 2018 | San Francisco Bay Area Digital/Mobile Banking and Payment products ### Senior Product Manager/ Director @ Visa Jan 2015 – Jan 2016 | San Francisco Bay Area As Product Manager managing Digital and Mobile Product development of Visa Digital card services. Develop, refine and prioritize product road map. Evaluate product capabilities and provide guidance to product road map and strategy. Management of development functions including business requirements elaboration, systems and process flow analysis, meeting critical milestones and deliverables that are time and scope boxed Heavy collaboration across business, legals, compliance, architecture, security and engineering organization, providing sound business analysis, process and change leadership within Agile PDLC framework Working with limited direction, usually within a complex and evolving environment, to drive delivery of solutions while influencing cultural change Provide thought leadership and recommendations to product team.Communicate effectively and proactively with management ideas and recommendations for optimizing business operations, resources and fixed capacity Define needs, develop plans, coordinate resources and implement action plans. manage multiple products simultaneously and to resolve scheduling and other conflicts in order to meet all deadlines.Provide guidance to technology groups in their development of design artifacts and Quality Assurance test plans.Plan and conduct User Acceptance Testing with key stakeholders . ### Product Program Manager @ Walmart eCommerce Jan 2014 – Jan 2015 Product & Program Management Liaison between business and engineering group. Develop Product Strategy, discovery, Vision, Roadmap, Feature prioritization, Release planning. Practiced Kanban, Kaizen, Scaled Agile and Scrum methodology Identify new product opportunities and enhancements. Work with multiple functions to build and evaluate business cases to support product investment decisions. Present and clearly articulate program & product strategy to company leadership. Collaborate with the business, user experience, architects, security and engineering teams during discovery to assess value, usability and feasibility of product features. Manage business relationship and suppliers/partner coordination. Conducted UAT, Product launch, Onboarding partners/suppliers, A/B testing ### Technical Product Manager/IT (EAI) Lead (Derivative Trading Group) @ Constellation Energy Jan 2007 – Jan 2014 Product, technology and program management for derivative trading. (Merger & Acquisition related Cost to achieve (CTA) products) Enterprise Application Integration, System Integration, Technical Lead. Value chain analysis, GAP analysis. ### Sr. EAI Designer/ Team Lead @ Symantec Jan 2006 – Jan 2007 ### Sr TIBCO Designer/Architect @ ERCOT Jan 2007 – Jan 2007 ### J2EE/JAVA Designer @ Deloitte Jan 2005 – Jan 2005 ### J2EE/JAVA Developer/Designer @ Capgemini Jan 2004 – Jan 2005 ### Senior Java/J2EE Developer @ CMC LTD Jan 2003 – Jan 2003 ### Software Engineer (Java/J2EE) @ DIPL Jan 2001 – Jan 2003 ## Education ### MBA in Finance Loyola University Maryland Sellinger School of Business and Management Jan 2010 – Jan 2013 ### BS in Computer Sc. & Engineering Vikram University Jan 1997 – Jan 2001 ## Contact & Social - LinkedIn: https://www.linkedin.com/in/avinashrathore --- Source: https://flows.cv/avinashrathorefintechanddataai JSON Resume: https://flows.cv/avinashrathorefintechanddataai/resume.json Last updated: 2026-04-07