# Gargi Sharma > Product Management Leader, Agentic AI, PayPal, ex Capital One, IIT, Featured Speaker Location: San Francisco Bay Area, United States Profile: https://flows.cv/gargisharma I’m a product leader with 16+ years of experience building and scaling platforms across fintech, commerce, and banking. I’ve worked across both 0→1 and scaled products, leading teams that deliver complex, customer-facing systems used by millions of users and businesses. Most recently at PayPal, I built and scaled platform capabilities across checkout, authentication (3DS), routing, and new financial products like BNPL and crypto off-ramp infra — improving conversion, enabling new business models, and supporting global expansion across P2P, cross-border, and FX. A core part of my work is partnering closely with engineering and data science teams to bring data and AI into products — building decision systems that improve customer experience, optimize performance, and reduce risk. I’ve also worked extensively across compliance, fraud, and partner ecosystems, including integrations with networks and building API-driven platforms for merchants and partners. Earlier at Capital One, I built 0→1 digital platforms across customer acquisition and marketing, including models to evaluate channel effectiveness and drive growth investment decisions. I enjoy working on complex product problems that sit at the intersection of technology, data, and business — and building teams that can execute at scale. ## Work Experience ### Director of Product Management, Payments @ PayPal Jan 2022 – Present | San Francisco Bay Area ### Group Product Manager @ PayPal Jan 2020 – Jan 2022 ### Lead Product Manager @ PayPal Jan 2019 – Jan 2019 ### Sr Product Manager @ PayPal Jan 2018 – Jan 2018 ### Director|Manager, Digital Product Development @ Capital One Jan 2016 – Jan 2018 | San Francisco Bay Area • Own Strategy, Product Roadmap and Product Development for Money Movement features( Wires, BillPay, Invoicing) for Small Business Bank •Developed an API to connect bank transaction data with 3rd party softwares •Set up the Innovations team for Small Business Bank. Developed and owned the roadmap for the team. Developed an MVP that simplifies bank statement reconciliation process for Small Business customer. Using customer centric and design thinking approach created and validated a product that captures the purpose of a debit card transaction at the point-of-sale via 2 way text messages with card user and tags it against the actual transaction in the servicing platform. • Developed the strategy for sharing Small Business Bank customers transactions data with external accounting softwares like Quick Books and Xero. Defined the Specs to create the API to share data using oAuth token • Laid the foundation for tracking and optimizing of digital application funnel application by developing an analytical database that logs API responses in the process flows. • Worked with the Engineering and Design to re-design and launch the UI for digital application form for deposit products ### Business Manager, Sales Strategy and Marketing @ Capital One Jan 2015 – Jan 2016 | Plano, TX • Owned Centralized and Distributed sales strategy for Home Loans sales consultants • Developed technology to enhance offline sales funnel tracking for analytics and optimization purposes Developed fuzzy match logic to attribute SalesForce leads to sales center calls and unique marketing sources. This was the first time that the business could attribute leads to a marketing source. Used this data to route calls to different skill tiers of agents which improved call to app conversion and reduced overall costs by 20% • Developed digital attribution model which prescribed the alogorithm to allocate marketing costs and digital applications to various digital marketing channels. Using this attribution model developed framework to analyze the performance and profitability for each marketing channel. Communicated the performance with senior leadership and influenced them to throttle marketing budget to various sources based on this data. ### Sr. Business Analyst, Digital Marketing @ Capital One Jan 2013 – Jan 2015 | Plano, Texas • Stood up Digital Marketing channel for Capital One Home Loans. Owned annual marketing budget of $5M dollars. Tested and optimized various digital placements to contribute a total of $135M in annual revenue • Created an analytical infrastructure in Teradata to track and monitor the performance of Digital and Offline marketing channels. Used the data to create reporting and visibility into the Home Loans performance for senior leadership ### Sr Operations Analyst, Digital Product Analytics @ Capital One Jan 2011 – Jan 2013 | Richmond, Virginia Area • Built the SEO analytics infrastructure for Capital One Credit Card pages • A/B testing and Analytics for Capital One home page ### Operations Analyst, Customer Experience Analytics lead @ Capital One Services India Pvt Ltd Jan 2009 – Jan 2011 • Analytics for improving Credit Card call center customer experience • Business Strategy to define specialized escalation queues for certain call types ### Design Engineer @ Insilica Jan 2008 – Jan 2009 • Front End- RTL Design and Verification • Led a team of 4 digital engineers and developed an on chip arbiter in Verilog ## Education ### Integrated BTech and MTech in Electrical Engineering Indian Institute of Technology, Madras ### Level 3 candidate, CFA ## Contact & Social - LinkedIn: https://www.linkedin.com/in/gargi-sharma-044a32b --- Source: https://flows.cv/gargisharma JSON Resume: https://flows.cv/gargisharma/resume.json Last updated: 2026-04-07