# Manickkam Pandian > AI and Platform Product Leader | Driving Growth and Opex | Trust & Safety | Identity | Compliance | Reduce Fraud | Customer Service & Operations | Data | Ex-PayPal, RBS, D E Shaw | SaaS | Product Advisor & Consultant Location: San Francisco Bay Area, United States Profile: https://flows.cv/manickkampandian Seasoned product leader with extensive experience in data and AI to build scalable platforms at enterprise scale in payments, e-commerce, proptech, risk management and customer experiences. Strong people leader who have built and managed high performing product teams. Thrives on solving complex business problems and enabling world-class customer experiences. Launched several capabilities and experiences that improved conversion, reduced fraud and enabled growth across PayPal’s global product portfolio, affecting over 10B transactions. At Zillow, I led the Industry Data Insights team, a horizontal platform group focused on improving data quality, accessibility, and trust. I drove initiatives that enabled core data capabilities for multiple business lines, strengthening analytics and decision-making. My work established scalable data foundations that improved efficiency and unlocked growth opportunities across Zillow’s ecosystem enabling trust for 2B visits, removing 3.4M+ duplicates and enabling over 100M in revenue across New construction and Rentals verticals Highly accomplished product leader having extensive expertise in product strategy for omnichannel platform and experience. Demonstrated proven ability in building consumer experiences, scaling platforms, P/L ownership, monetization, multi-country expansions and growth across industries- Fintech, financial services, e-commerce, SaaS, and software development saving over $100M in loss savings and enabling a $45B portfolio. I offer a unique blend of engineering, data insights/analytics and product management leadership in application development, automation of processes, CRM and Data Science/ML, which have been credited with strong ROI and operational improvements. With over fifteen years of experience and an amazing ability to navigate at the intersection of business and technology, I have a reputation for delivering world-class solutions that provide business value. As an omni-channel product leader, led PM teams, while managing fraud for large partners including Facebook Marketplaces, Ali Express, Google Shopping, Shopify etc. apart from managing carding risk, wallet risk and post-transaction risk management portfolios. I also picked up customer experience portfolio to manage E2E experiences for customers and merchants as part of the Voice of customer charter. Feel free to reach out to me at manickkam at gmail dot com - manickkam@gmail.com ## Work Experience ### Director of Product Management @ Fintech & AI Platform Startups Jan 2025 – Present | San Francisco Bay Area Led fractional AI and platform product for Bank of America incubated fintechs and AI platform partnered with founders across US and India accelerated roadmap clarity and launch readiness Defined ICP and sharpened positioning and demos enabled targeted outreach and generated 5 qualified opportunities Built and executed strategy and roadmap for consumer payments and B2B lending platforms drove revenue to 1.0 million ARR Optimized AI driven risk and compliance workflows integrated automation and decisioning achieved 73 percent automation 25 seconds faster case handling and 93 percent decision accuracy ### Head of Product @ Zillow Jan 2023 – Present | San Francisco Bay Area Led the Industry Data Insights team, building horizontal data platforms that improved data quality, accessibility, and trust across Zillow creating trust for 2B visits Founded and led zPM Excellence, elevating product management best practices company-wide helping 40+ PMs to improve the craft across Zillow Partnered with cross-functional stakeholders to standardize critical metrics, improving reporting accuracy and reducing 3.4M property duplicates Managed a portfolio of data/AI initiatives, driving 35% revenue growth from property managers and $6M from builders via third-party data integrations. Drove initiatives to modernize data pipelines and governance, enhancing scalability and operational efficiency Delivered measurable impact by improving data reliability, driving faster decision-making and unlocking growth opportunities across Zillow’s ecosystem. ### Group Product Manager @ PayPal Jan 2019 – Jan 2023 | San Jose, California, United States Led, Coached the team on omni-payments platform for enterprises, emerging markets and Wallet management saving over $40M in Opex Savings Collaborated with cross-functional leadership to innovatively build ‘Partner Transaction enablement’ to enable 10% additional transactions worth $4M through Google Shopping and more. Owned the core pillars of PP Commerce Platform to help sellers manage fraud and to help partners manage seller fraud for a huge $45B portfolio Enabled the launch of BR PIX with several variations and integrated with Big Data partner to reduce fraud by 10% and save $3M a year Built models and strategies using AI/ML to help partners like Google Shopping, Facebook Marketplaces to manage their seller risk and fraud and enabled over $50B TPV through partners. Created product strategy for carding module from scratch to help in identifying carding attempts upfront to manage risk for merchants across PayPal, Braintree and Payflow entities and saved over $25M in transaction cost savings Managed large-scale, business critical platform capabilities and experiences right through my career as part of several Voice of Customer initiatives saving over $100M in Opex costs ### Lead Product Manager @ PayPal Jan 2017 – Jan 2019 | Chennai, Tamil Nadu, India Conceptualized the E2E dispute management platform including the back-end tools migration, front-end experience on mobile, web, app and managing fraud seamlessly in a global scalable risk-management platform for 1.4M disputes in a year impacting over 3M customers Visualized the product strategy for managing the underwriting process for large enterprises making the efficiency of onboarding reduced from 3 months to 2 weeks ### Senior Product Manager @ PayPal Jan 2015 – Jan 2017 * Own the Resolution and Protections Risk Platform End-to-End * Work closely with Risk Policy team to scope the new business requirements * Agile based execution of all new requirements * Consultation, Influencing, Collaboration with multiple other cross-functional teams * Prioritization of platform requests and Roadmap planning for the product * Creating the platform vision and strategy ### Product Manager 3 @ PayPal Jan 2013 – Jan 2015 * Working closely with the agile teams in executing the business requirements * Product owner for couple of agile teams * Delivered Enterprise Dispute Management (EDM) product for large merchants and partners. ### Software Designer @ Royal Bank of Scotland Business Jan 2011 – Jan 2013 * Impact Analysis of the complex system. * Reviewing code and design * Interacting with the users and designing to their requirements ### Senior Member - Information Technology @ D. E. Shaw & Co. Jan 2006 – Jan 2011 Pioneered several business critical reports, content management systems for several different investment strategies in the hedge fund. This helped in managing multi-billion dollar investment strategies efficiently by internal teams ## Education ### Executive MBA in Organizational Leadership Quantic School of Business and Technology ### M.S in Software Systems Birla Institute of Technology and Science, Pilani ### Bachelors Madras Institute of Technology ## Contact & Social - LinkedIn: https://www.linkedin.com/in/manickkam --- Source: https://flows.cv/manickkampandian JSON Resume: https://flows.cv/manickkampandian/resume.json Last updated: 2026-04-07