# Hitesh Anand > CPO | Ex-Visa | PE Operating Partner | 3x Exits Location: San Francisco Bay Area, United States Profile: https://flows.cv/hiteshanand Product & Technology leader experienced at envisioning, developing & managing SW and HW products for both B2C and B2B. Creates value by transforming teams, sharpening focus, raising quality and speeding up delivery. Ex-Chief Product Officer at Verifi (a Visa Company), where I led multiple teams with a focus on innovating new Fintech products and services. Oversaw product vision, strategy, roadmap, design, and development. As Chief Product Officer of Mobikon built and scaled payment-enriched SaaS consumer engagement MarTech platform for F&B merchants. As VP of Product at Verifone led RetailTech transformation to smart payments, developer APIs, app marketplace, connected devices, mobile apps, on-terminal media apps & cloud POS solutions. Former, Head of Product at Citi Enterprise Payments focusing on consumer mobile payments. Productized Citi's implementation of Apple Pay & launched 3 Citi Wallet, Citi's first NFC Wallet (w/ location-based contextual Offers, Loyalty & eCoupons). Pioneer of Nokia Mobile Financial Services & ran Technology Strategy & Partnerships to launch Nokia Money, a Neobank stored-value & pre-paid wallet in Asia. Possess a broad expertise-set across opportunity scoping, product/solution management, business development, project management & commercialization gained while working with customers & partners across Europe, US & Asia. Delivering game-changing innovation to market by listening to customers, learning from competitors, & cultivating an inspired & motivated team. Unique experience in launching mobile products in both developed & emerging markets. Proven success in Human Centered Design & holistic User Experience & how to apply it to product strategy, features & functionality. Experience across the Commerce Continuum * Shop: MarTech, RetailTech, Mobile Offers, Coupons, Loyalty, Marketplaces, Direct to Consumer, Omnichannel * Spend: FinTech, PaymentTech, Payments, Risk & Fraud, POS, Wallets, Crypto * Live: PropTech, Lending * Data: Analytics, ML, AI * Use: Mobile, IoT & Connected Devices ## Work Experience ### Fractional CPO @ Stealth AI Startup Jan 2025 – Present Enabling strategy, teams, technology and design for AI-first products ### Advisor @ LoginID Jan 2021 – Present | San Francisco Bay Area ### Advisor @ Sentry Jan 2018 – Present | San Francisco Bay Area Using artificial intelligence (AI) and machine learning (ML) to bring real smarts to the "dumb" enterprise security devices. Sentry's virtual assistant AI ID's people, pets, unwanted intruders and, health care incidents and sends relevant & real-time actionable alerts via SMS & push notification for a two-way interaction & intervention. ### Advisory Board Member @ MagicCube, Inc. Jan 2017 – Present | San Francisco Bay Area MagicCube secures connected IoT & mobile devices and cloud environments through its Software Trusted Execution Environment platform (sTEE™). Seamlessly enables “Everything as a point of sale” as SoftPOS for on the go B2C contactless transactions ### CPO & Product Operating Partner @ Thomas H. Lee Partners Jan 2021 – Jan 2024 | San Francisco Bay Area As the Portfolio CPO, I partner with our CEOs, CPOs and CTOs on setting the product and technology strategy, aligning it with business objectives, building product & engineering teams, and enabling product excellence for value creation across the lifecycle to deliver growth, scale and innovation. ### Advisor @ Subtra Jan 2020 – Jan 2022 | Singapore ### Chief Product Officer @ Verifi Inc., a Visa Company @ Visa Jan 2019 – Jan 2021 | San Francisco Bay Area ### Senior Vice President & Chief Product Officer @ Verifi Inc. Jan 2019 – Jan 2021 | Los Angeles Metropolitan Area (Acquired by Visa in 2019) Led Product and Design to build intelligent B2B SaaS solutions to Prevent, Resolve and Recover payment fraud and chargebacks for Merchants and Issuers thus enabling frictionless online and physical commerce transactions. Defined product strategy, launched next generation products with an outcome-based agile process and a product-led organization. Launched new Rapid Dispute Resolution (RDR) and Order Insight (OI) Digital solutions and APIs for Merchants and Issuers to automatically resolve and prevent payment Disputes and Chargebacks. RDR resolves fraud and non-fraud confirmed disputes with a seller-directed refund or cancellation or automated resolution, to avoid present and future chargebacks OI prevents disputes and friendly fraud by sharing enhanced payment transaction and receipt information with issuers. ### Chief Product Officer & President, North America @ Mobikon Asia Pte. Ltd. Jan 2017 – Jan 2019 | San Francisco Bay Area Built Asia's best AI-driven consumer engagement (Feedback, Reviews, Loyalty), predictive analytics and marketing automation SaaS platform for merchants to Engage (new, lapsed and loyal) Customers, Gain Insights, Predict Behaviors, and Increase Sales using real-time transactional and behavioral data from in-store actions, mobile apps, POS and payment terminals/apps. Put in the foundations of Mobikon's transformation to a data-connectivity platform as Skayle. As Chief Product Officer, I incorporated "Voice of the Consumer" from product inception to development to deployment process of both B2C and B2B applications. Led product strategy, product management, marketing, design, data science, integration and developer experience teams. Focused on product experience and partner integrations with payment and POS providers to execute and scale supporting thousands of merchants across four continents. ### Vice President of Product - Digital Services, Connected Payment Devices & Mobile @ VeriFone Jan 2014 – Jan 2017 | San Francisco Bay Area Drove transformation from a terminal-sales to a digital-services platform company delivering omni-channel payment & commerce solutions - simple transactions to engaging customer interactions via "apps", media and ads at the POS. Built cloud, mobile & connected/IoT services & platform offerings for B2C & B2B from ground-up. Set the vision & strategy for product & engineering teams, established & led the product team to articulate requirements based on data analysis, A/B testing, & customer feedback; resulting in high quality development of beautiful & intuitive SW/HW products for merchants & consumers. Built & launched new connected-device Cloud Services & Commerce OS (Developer Portal, APIs, App Marketplace, Runtime & Estate Management) for developers to develop & merchants to buy/deploy an “app” at connected payment terminals for new in-store experiences. Commanded the first ever hackathon for external developers on Verifone devices. Led Verifone's mobile wallet strategy & implementation partnering with Apple/Android/Samsung/Ali Pay etc. to enable their wallets 2.0 value added services on Verifone payment devices. Productized & launched Verifone Carbon, a Connected Smart Payment Terminal that integrates the payments & Android POS in single device, bringing together payments, apps & other solutions for running a business into a single integrated & connected system. Carbon sales are forecasted to exceed $1B w/ margins of ~$400M over the product life. Launched Verifone Cloud POS, an Android Cloud Tablet POS, after acquiring core technology from a start-up - GoPaGo. Led innovation in newer areas such as analytics, security, IoT, crypto currencies, & mobile payments. * Innovation * Product Vision & Strategy * Product Management * Business Development & Alliances * Mobile Applications * User Experience * Business Planning & Strategy ### Global Head of Product, Digital & Mobile Payments, Citi Enterprise Payments @ Citi Jan 2011 – Jan 2014 | San Francisco Bay Area As Global Head of Product at CEP, drove product strategy, road-map, business development, product development and user experience for consumer mobile payments ( NFC & remote payments ), location-based contextual mobile offers, loyalty cards, mobile coupons and mobile ticketing etc. at Citi Enterprise Payments (CEP) group. Partnered with Apple, Visa MasterCard & Visa to productize Citi's implementation of Apple Pay. Launched the 3 Citi Wallet, Citi's first NFC Wallet (with location-based contextual Offers, Loyalty and eCoupons) in Asia. Grew the product from an idea on a white board to its final iteration. Led the development of the mobile payment platform, mobile application UX & UI and the TSM & mobile wallet/application integration. This was the precursor to the current HCE-based Citi Wallet. Leveraged mobile analytics and Big Data to deliver location-based contextual Offers, Loyalty and eCoupons as VAS for the consumer and enabling new revenue streams for Citi. Developed the mobile ecosystem and drove commercialization/market adoption for Citi Wallet by involving critical third party relationships and alliances and partnering with OEMs, MNOs, card associations, silicon vendors, TSMs and developers. * Product Management * Business Development & Alliances * Product Vision & Strategy * Mobile Application Development * User Experience ### Advisor @ Chleon Automotive Ltd. Jan 2011 – Jan 2013 | San Francisco Bay Area Chleon was a cloud-based connected service delivery platform for getting apps and content into the car and diagnostics data out of the car in a safe and secure way. ### Director, Head of Product & Technology, Mobile Financial Services (Nokia Money, a Neobank) @ Nokia Jan 2009 – Jan 2011 | Gurgaon, India Founder member of internal Nokia start-up, Nokia Money, to bring mobile payments mobile banking & other mobile financial services such as remittances, bill payments, mobile stored value accounts (SVA) and mobile pre-paid to the un-banked and the under-banked consumers in the emerging markets. We were a Neobank and the 3rd largest mobile wallet globally at the time. Nokia Money electronified cash transactions, enabling consumers to pay using the SVA for bills, ticketing or other purchases that would normally require cash (proximity) or a credit card/bank account information (remote). Launched service in 50+ cities in India and expanding to Pakistan, China and Africa. Grew product usage through 2011 50%+ month-over-month. Ended 2011 with with >1 million active monthly consumers and 10.000 agents across India before it was divested to FINO. * Technology Strategy * Product Innovation and Management * Technology Partnerships * Business Development * Product Management * Product Vision & Technology Strategy * Mobile Application Development * User Experience ### Senior Manager, Innovation Scouting & Corporate Business Development @ Nokia Jan 2008 – Jan 2009 | San Francisco Bay Area Internal VC - Identified and invested in new strategic/business opportunities and innovations from venture funded companies that created significant strategic value for Nokia in the mobile payments, mobile commerce and mobile entertainment space. * Innovation & Technology Scouting and New Ventures * Corporate Business Development & Venture Capital * New Business Development ### Senior Manager, Corporate Strategy @ Nokia Jan 2006 – Jan 2007 | Greater New York City Area & Helsinki (Finland) Advised senior executives on various strategy topics across the entire mobile value chain. * Strategy & Business Development * Nokia Technology Strategy ### Senior Manager, Technology Strategy @ Nokia Jan 2005 – Jan 2006 | Dallas/Fort Worth Area & Helsinki (Finland) Technology strategy and development of mobile applications * Mobile application development * NFC prototyping ### Strategic Product Manager @ Nokia Jan 2004 – Jan 2005 | Greater Denver Area Strategic product consultant, providing critical analysis and insights including financial models, risk analysis, competitive analysis, business intelligence and forecasts for product-level strategic direction and decisions. ### Associate @ Aurora Funds Jan 2003 – Jan 2003 Evaluated and provided in depth analysis on investment candidates, focusing on technology, development stage, financial status, market potential, business model, personnel capabilities and competitive advantage. ### Senior VLSI Design Engineer (Austin DSP Design Center) @ Analog Devices, Inc Jan 2000 – Jan 2002 | Austin, Texas Area Led design for ADI's 16-bit fixed-point baseband DSP SoC (Blackfin) for mobile phones. Pioneered and patented unique power management techniques. ### Lead / Hardware Systems Design Engineer (CTASD/NCSG) @ Motorola, Inc. Jan 1998 – Jan 2000 Digital design for CopperGold, industry's first single-chip ADSL SOC at Communication Transmission Access Systems Division/ Networking Communication Systems Group. ### Executive Engineer @ Punjab Wireless Systems Ltd. (Punwire) Jan 1996 – Jan 1997 Network structures, best practices & solutions for set-up of greenfield mobile and paging wireless infrastructure development in India. ## Education ### Master of Business Administration (MBA) in Emphasis on Strategy, Finance & Entrepreneurship Duke University - The Fuqua School of Business ### Certificate in Business Foundations Texas McCombs School of Business ### Master of Science in Engineering in Electrical Engineering Arizona State University ### Bachelor of Technology (B.Tech.) in Electronics & Communication Engineering Guru Nanak Dev University, Amritsar ### All India Senior School Certificate Examination in Science Stream The Air Force School (TAFS), Subroto Park ### All India Secondary School Examination St Joseph Convent Senior Secondary School, Bathinda ### St George's College, Agra ## Contact & Social - LinkedIn: https://linkedin.com/in/forhitesh - Website: http://www.youtube.com/watch?v=qJpBLWlKW4w --- Source: https://flows.cv/hiteshanand JSON Resume: https://flows.cv/hiteshanand/resume.json Last updated: 2026-04-05