Ravi Singhvi
San Francisco, CA
Vice President of Product
Job Preferences:
Desired job title:
Vice President of Product
Desired occupation:
Product Manager
Employment type:
Full time
Career status:
Active job seeker
Available to start:
11/2020
Additional notes:
Fintech Product Management Leader: I am a business leader with extensive experience in conceptualizing, building, and launching highly scalable, low latency financial products across mortgages and payment domains. A People manager with expertise in opportunity scoping, viability assessment, business case analysis, P&L Management, and overseeing full product lifecycle.
I am known for my broad FinTech experience spanning secured loans (Residential & Commercial Mortgages), unsecured loan products (Consumer Credit Cards, High Yield Corporate Bonds), and Securitized fixed-income products (RMBS, ABS, ABCDS, CMBS)
Career Overview:
• CORELOGIC: Held overall P&L responsibility for USD 50MM revenue. Transformed the portfolio strategy and articulated a 3-year vision to increase data monetization by double digits %.
• VERIFONE: Launched Verifone Cloud POS – a SaaS-based POS with integrated payment and Tier-1 merchant level security. Managed and coached a team of product managers, designers, and pre-sales analysts. Crafted and executed long-term product strategy and roadmap
• CITIGROUP, ENTERPRISE PAYMENTS: Product Manager for digital offers & loyalty platform for Citi credit cards in North America with a mandate to create an accretive revenue stream and customer retention for a 30MM card portfolio.
• CITI COMMUNITY CAPITAL, AFFORDABLE HOUSING PORTFOLIO: Built a multi-family loan origination and due diligence system for lending in the affordable housing sector. A USD 16B portfolio for Citi Community Capital.
• CITI INSTITUTIONAL CLIENTS GROUP: Software Manager
o Relative Value Proprietary Trading Desk
o Residential Mortgage-Backed Securities Desk
• DEUTSCHE BANK- Senior Software Engineer
o Commercial Mortgage Origination / CMBS
o High Yield Bond Trading Desk
I am known for my broad FinTech experience spanning secured loans (Residential & Commercial Mortgages), unsecured loan products (Consumer Credit Cards, High Yield Corporate Bonds), and Securitized fixed-income products (RMBS, ABS, ABCDS, CMBS)
Career Overview:
• CORELOGIC: Held overall P&L responsibility for USD 50MM revenue. Transformed the portfolio strategy and articulated a 3-year vision to increase data monetization by double digits %.
• VERIFONE: Launched Verifone Cloud POS – a SaaS-based POS with integrated payment and Tier-1 merchant level security. Managed and coached a team of product managers, designers, and pre-sales analysts. Crafted and executed long-term product strategy and roadmap
• CITIGROUP, ENTERPRISE PAYMENTS: Product Manager for digital offers & loyalty platform for Citi credit cards in North America with a mandate to create an accretive revenue stream and customer retention for a 30MM card portfolio.
• CITI COMMUNITY CAPITAL, AFFORDABLE HOUSING PORTFOLIO: Built a multi-family loan origination and due diligence system for lending in the affordable housing sector. A USD 16B portfolio for Citi Community Capital.
• CITI INSTITUTIONAL CLIENTS GROUP: Software Manager
o Relative Value Proprietary Trading Desk
o Residential Mortgage-Backed Securities Desk
• DEUTSCHE BANK- Senior Software Engineer
o Commercial Mortgage Origination / CMBS
o High Yield Bond Trading Desk
Education:
FORDHAM UNIVERSITY
Master of Business Administration (MBA), Finance,
Fairleigh Dickinson University
Bachelor of Science (BS), Computer Science,
Work Experience:
08/2019 – Present
Vice President of Product
Verifi, a VISA company
Overseeing a team of Product Directors & Managers building SAAS based B2B solutions in the chargebacks domain.
* Leading the effort to build-out an API-first product portfolio (Developer Portal, Webhooks, API) for credit card issuers and merchants to support 100MM disputes annually, in real-time.
* Spearheading the launch of a real-time dispute resolution solution - RDR - to support 70MM disputed credit card transactions per year, globally. Established commercialization plans, pricing, and GTM plans.
* Ownership of the multi-year roadmap, OKRs, and business model to set the strategic direction, ensure consistent alignment with stakeholders, and measure success.
* Leading the effort to build-out an API-first product portfolio (Developer Portal, Webhooks, API) for credit card issuers and merchants to support 100MM disputes annually, in real-time.
* Spearheading the launch of a real-time dispute resolution solution - RDR - to support 70MM disputed credit card transactions per year, globally. Established commercialization plans, pricing, and GTM plans.
* Ownership of the multi-year roadmap, OKRs, and business model to set the strategic direction, ensure consistent alignment with stakeholders, and measure success.
02/2017 – 07/2019
Sr. Director/General Manager, Portfolio Analysis & Monitoring
CoreLogic
Management/Manager, Director
Managed portfolio of products in the Mortgage Finance domain - origination, servicing (lien and equity analytics), risk analytics (CPR, CDR, LGD), and benchmarking tools for the secondary market. Held overall P&L responsibility for $50MM gross revenue .
* Transformed the portfolio strategy and articulated a 3-year vision to increase data monetization by 20%.
* Launched and scaled CLEAR, an FCRA regulated mortgage lien and equity product, forecasted to drive $26MM revenue in the first 3 years.
* Owned portfolio strategy, business case development, revenue targets, funding, and margin management.
* Repositioned an existing risk-management offering as a solution for upcoming CECL guidelines.
* Rationalized existing pricing and conducted price discovery, resulting in an expedited sales funnel.
* Collaborated with Finance to better understand contributing margins and rationalize fixed and variable costs.
* Executed a GTM plan with a cross-functional team of marketing, sales, finance, operations, and legal.
* Recruited, mentored and developed retention plans for Product Managers, UI/UX designers, BAs.
* Liaised with "Govt. Relations" team to engage with GSEs and think-tanks (UI, Milken, AEI, CRL, etc) to ideate and launch net-new products in the mortgage market.
* Transformed the portfolio strategy and articulated a 3-year vision to increase data monetization by 20%.
* Launched and scaled CLEAR, an FCRA regulated mortgage lien and equity product, forecasted to drive $26MM revenue in the first 3 years.
* Owned portfolio strategy, business case development, revenue targets, funding, and margin management.
* Repositioned an existing risk-management offering as a solution for upcoming CECL guidelines.
* Rationalized existing pricing and conducted price discovery, resulting in an expedited sales funnel.
* Collaborated with Finance to better understand contributing margins and rationalize fixed and variable costs.
* Executed a GTM plan with a cross-functional team of marketing, sales, finance, operations, and legal.
* Recruited, mentored and developed retention plans for Product Managers, UI/UX designers, BAs.
* Liaised with "Govt. Relations" team to engage with GSEs and think-tanks (UI, Milken, AEI, CRL, etc) to ideate and launch net-new products in the mortgage market.
12/2014 – 02/2017
Director, Verifone Carbon
Verifone Inc.
Director
Product Director for the first generation of Verifone Carbon and Cloud POS. Managed and coached a team of product managers, designers, and pre-sales analysts. Crafted and executed long-term product strategy and roadmap
* Launched Verifone Cloud POS, a SaaS-based POS with integrated payment and Tier-1 merchant level security.
* Envisioned product positioning in selected verticals and drove business case development, product development, and user experience to drive merchant acquisition.
* Secured budget and forecasted P&L by defining resource plan, revenue model, pricing, and rationalizing recurring & episodic expenses across product, engineering, operations, and marketing.
* Launched Verifone Cloud POS, a SaaS-based POS with integrated payment and Tier-1 merchant level security.
* Envisioned product positioning in selected verticals and drove business case development, product development, and user experience to drive merchant acquisition.
* Secured budget and forecasted P&L by defining resource plan, revenue model, pricing, and rationalizing recurring & episodic expenses across product, engineering, operations, and marketing.
07/2005 – 11/2014
Senior Vice President, Citi Enterprise Payments
Citigroup
A Citi incubator/startup with a mandate to capture revenue streams from the emerging digital commerce ecosystem.
* Conceptualized, innovated, and launched the "digital offers" platform for Citi credit cards in North America. Mandated to incentivize "top of the wallet" customer behavior for Citi's 30MM credit card portfolio.
* Defined merchant value proposition, influenced and partnered with individual portfolio owners to get buy-in.
* Led overall execution of the product roadmap, partner management, and contract negotiations.
* Managed a team of product managers, business analysts, and high-potential B-school recruits.
* Evaluated, nurtured, and executed alliances and partnerships with innovative startups with unique capabilities.
3CitiWallet, Hong Kong, S.A.R. Partnered, strategized, and executed the launch of an NFC wallet (a precursor to ApplePay) with Hutchison Telecom & A. S. Watson. Responsible for geo-fenced, wallet-linked offers.
* Collaborated with in-country business-lines to articulate, stress-test, and fine-tune business models, factoring in-country dynamics, economics, and market practices.
* Formulated merchant engagement model for offer sourcing in Hong Kong- calling strategy, merchant category prioritization, pricing structure, pitch books, marketing collateral, and legal contracts.
* Gained consent from the Hong Kong Monetary Authority (HKMA), and internal control & compliance groups.
* Conceptualized, innovated, and launched the "digital offers" platform for Citi credit cards in North America. Mandated to incentivize "top of the wallet" customer behavior for Citi's 30MM credit card portfolio.
* Defined merchant value proposition, influenced and partnered with individual portfolio owners to get buy-in.
* Led overall execution of the product roadmap, partner management, and contract negotiations.
* Managed a team of product managers, business analysts, and high-potential B-school recruits.
* Evaluated, nurtured, and executed alliances and partnerships with innovative startups with unique capabilities.
3CitiWallet, Hong Kong, S.A.R. Partnered, strategized, and executed the launch of an NFC wallet (a precursor to ApplePay) with Hutchison Telecom & A. S. Watson. Responsible for geo-fenced, wallet-linked offers.
* Collaborated with in-country business-lines to articulate, stress-test, and fine-tune business models, factoring in-country dynamics, economics, and market practices.
* Formulated merchant engagement model for offer sourcing in Hong Kong- calling strategy, merchant category prioritization, pricing structure, pitch books, marketing collateral, and legal contracts.
* Gained consent from the Hong Kong Monetary Authority (HKMA), and internal control & compliance groups.
01/2009 – 12/2010
Lead Technology Manager
Citi Community Capital
Management/Manager
Build a loan origination and due diligence solution for lending in the affordable housing sector. A USD 16B portfolio
* Led development of loan origination and underwriting system for lending in the affordable housing sector.
* Developed risk analytics and business intelligence and reporting solution leveraging Agile development methodologies; leveraging JIRA and Confluence. Extensive work in SQL.
* Built a team of software engineers, business analysts, testers, and UI designers.
* Solved compliance and audit challenges being suffered two years running.
* Led development of loan origination and underwriting system for lending in the affordable housing sector.
* Developed risk analytics and business intelligence and reporting solution leveraging Agile development methodologies; leveraging JIRA and Confluence. Extensive work in SQL.
* Built a team of software engineers, business analysts, testers, and UI designers.
* Solved compliance and audit challenges being suffered two years running.
01/2007 – 12/2008
Lead Technology Manager
Relative Value Proprietary Trading Desk
Management/Manager
Newly established buy-side desk with a mandate to take proprietary positions in the Fixed Income markets.
* Composed multi-year strategic roadmap for delivering solutions and services to the trading desk; built consensus with multiple stakeholders to solidify strategic and tactical deliverables.
* Developed pricing, risk, and portfolio management systems.
* Collaborated with Mortgage research and modeling teams for the deployment of prepayment and other credit models.
* Composed multi-year strategic roadmap for delivering solutions and services to the trading desk; built consensus with multiple stakeholders to solidify strategic and tactical deliverables.
* Developed pricing, risk, and portfolio management systems.
* Collaborated with Mortgage research and modeling teams for the deployment of prepayment and other credit models.
01/2005 – 01/2007
Business Analyst
Mortgage-Backed Securities Secondary Trading
Business, Business Analyst
* Implemented portfolio management, pricing & risk computation systems of residential MBS, Asset-Backed Credit Default Swaps, Whole Loans, and ABS securities.
* Designed and deployed Whole-Loan acquisition solution for MBS structuring and securitization.
* Led the project through conceptualization, planning, initiation, execution, and implementation.
* Developed in-house Fixed Income training curriculum for Analysts and Associates.
* Designed and deployed Whole-Loan acquisition solution for MBS structuring and securitization.
* Led the project through conceptualization, planning, initiation, execution, and implementation.
* Developed in-house Fixed Income training curriculum for Analysts and Associates.
Language Skills:
n/a:
English
Skills:
Expert:
SaaS, API, People manager, Business Strategy, Strategic Planning, Product Launch, Financial Modeling, Strategic Partnerships, Cross-Functional Leadership, Mentorship, Agile methodologies, Product Development, APIs, Software as a Service (SAAS), Mortgages, Loan Origination, Servicing, Mortgage-Backed Securities (MBS), Property Analytics, Mortgage Analytics, Payments