Product Manager bringing AI into banking and payments. 15+ years inside European banks' payment systems, now building AI-native products on top of that domain.
Prototypes that sit at the intersection of banking domain and AI product. All built with Claude Code.
| Project | What it is |
|---|---|
| Multi-Bank Open Banking TPP | PSD2 aggregator across 5 European banks (Berlin Group), mTLS / OAuth / HTTP Signatures. A three-tier GenAI categorizer cut unclassified transactions ~80% on an evaluation harness. |
| Digital Euro: PSP Operations Console | A bank/PSP-side console for folding the digital euro into an existing payment estate: holding-limit and waterfall engine, ISO 20022 settlement over DESP/TARGET, compliance, phased roadmap. |
| Open Finance Data: B2B Use-Case Suite | An illustrative Open Finance Data prototype: 11 B2B use cases (account verification, income and affordability, spending insights, MCC normalisation) on a synthetic-bank foundation. |
Live demos and write-ups at ajay-krishna.com.
- Product Manager, Service Operations (PSD2 / Open Banking) at UniCredit, Munich. Open Banking across 9 European countries, bank-side.
- 15+ years in Banking IT at top-tier EU banks: UniCredit, Nordea, GE Capital / Bank BPH.
- Hands-on with card rails earlier in my career (ISO 8583 authorization, clearing, settlement on VisionPLUS).
- Operating record: 36% improvement in regulatory-reporting SLA at Nordea, 99% reduction in regulatory incidents via a Splunk monitoring framework.
- 🎓 B.E. Electronics & Communication Engineering, First Class with Distinction, Visvesvaraya Technological University. Certified SAFe® Scrum Master.
The full portfolio, with interactive prototypes and case studies, lives at ajay-krishna.com. Find me on LinkedIn to talk banking, payments, and AI product.