Subham Bhattacharya

I often get asked a lot of questions about Product Roadmaps from the APMs, this blog is for them and those wanna be PMs who need help in understanding the Product Roadmap. #productManagement #product #roadmap #indianProducts

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The approval from the Reserve Bank of India (RBI) for CRED's payment aggregation business signals a significant milestone for the company. Here are some insights that can be drawn from the news: Regulatory Trust: Obtaining in-principle approval from the RBI reflects CRED's compliance with regulatory standards. This trust from the RBI is crucial for fostering confidence among users and investors. Expansion of Services: With approval for payment aggregation, CRED can diversify its services beyond its existing credit card payment platform. This expansion allows the company to cater to a broader range of financial needs and potentially attract a larger user base. Competitive Edge: Securing approval from the RBI sets CRED apart from other fintech startups, highlighting its credibility and commitment to regulatory compliance. This could give CRED a competitive advantage in the highly competitive fintech landscape in India. Enhanced Customer Experience: By venturing into payment aggregation, CRED can offer users a more comprehensive financial management experience. Overall, the approval from the RBI represents a significant step forward for CRED, opening up new avenues for growth and solidifying its position in the Indian fintech industry.

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🌐 UPI Circle: Redefining Digital Engagement for Banks 🇮🇳 UPI Circle offers banks and payment providers a new way to deepen customer relationships by extending services to family members, unlocking new segments with family banking. This means richer insights into spending patterns, enabling more personalized offers, advisory services, and Gen AI-based spend analytics. 📊 Check out this insightful article on Finextra by Tushar Chitra & Vishnudatta (Vishnu/Datta) Harihara Keshavamurthy; to learn more about how the UPI Circle could reshape the payments landscape in India. 👇 https://lnkd.in/gH8WcM3s #DigitalPayments #UPI #Banking #Fintech #AI #OracleFinancialServices #Innovation

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When one of India’s top banks needed to protect sensitive customer data while working with a third-party agency, they turned to Seclore for the perfect solution. With Seclore's SDKs and APIs, DFC First Bank integrated automated file security directly into their document management system—no major code rewrite, no disruption to their customer onboarding process. Now, PII is automatically secured from the moment it’s uploaded, ensuring only authorized users can access it—internally and externally. This has not only improved security but helped the bank achieve compliance with ease, all while saving costs on development. The result? A seamless, secure customer experience that builds trust while keeping data safe, even beyond the organization’s walls. Learn more: https://lnkd.in/gSsezRhr #CustomerSuccess #DataSecurity #FinancialServices #Compliance #PII #DocumentManagement #Banking #BankingSecurity

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Understanding Product Discovery with Product Space 🚀 Product Discovery is the crucial process of understanding what to build, for whom, and why. It’s about digging deep to discover the real needs of users, aligning them with business goals, and ensuring that the product delivers value. Let's break it down with an example of Swiggy. When Swiggy first started, the idea was simple—food delivery at your doorstep. But they didn’t stop there. Through continuous product discovery, Swiggy identified pain points like long wait times, lack of variety, and poor customer service. They spoke to users, analyzed data, and tested various features. This led to the launch of Swiggy Genie (personal errands), Swiggy Instamart (quick grocery delivery), and hyperlocal services that weren’t initially in the plan. By focusing on what users truly needed, Swiggy evolved from just another food delivery app to a multi-service platform that fits seamlessly into the daily lives of millions. 🌟 Key Takeaway: Product Discovery isn’t a one-time task. It’s a continuous cycle of learning, testing, and refining. The more you understand your users, the better your product becomes. Keep discovering, keep iterating, and keep delivering value! ”𝗠𝗼𝗿𝗲 𝘁𝗼 𝗯𝗲 𝗿𝗲𝘃𝗲𝗮𝗹𝗲𝗱 𝘀𝗼𝗼𝗻! 𝗦𝘁𝗮𝘆 𝗧𝘂𝗻𝗲𝗱” #ProductManagement #ProductDiscovery #Innovation #Swiggy #IndiaTech #StartupSuccess #ProductSpace

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Overcoming Common Challenges in Product Management 🌟 Product Managers face numerous challenges. Here are some common ones and tips to overcome them: Scope Creep: Prevent by defining clear project scopes and using tools like Jira to track progress. Prioritization: Struggling with prioritization? Implement frameworks like MoSCoW or RICE to make informed decisions. Stakeholder Alignment: Misalignment can derail projects. Schedule regular check-ins and use roadmaps to keep everyone on the same page. Time Management: Juggling multiple tasks? Leverage time management techniques like the Pomodoro Technique and tools like Trello. User Feedback Integration: Difficulty in integrating feedback? Utilize user testing and surveys, and prioritize feedback that aligns with your product vision. By anticipating these challenges and proactively addressing them, you can stay ahead and ensure your product's success! 💪✨ #ProductManagement #PMChallenges #CareerTips #ProjectManagement #ScopeCreep #Prioritization #StakeholderAlignment #TimeManagement #UserFeedback #TechSkills #Leadership Not liking big posts , follow me on https://lnkd.in/g4CuDdub for short and crisp content!!

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I get asked all the time, can I be a product manager ? I keep on answering with a big YES all the time. It's high time for the T A L K In my recent Blog I talk about it, have a glance and reach-out if you still need more motivation. https://lnkd.in/gHgMFjGE #product #productManagement #tech #technology #career #job

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Excited to share that our team snagged the First Runner-Up spot at the NPCI Ideathon for the NCMC (National Common Mobility Card)! 🌟 Looking back on this journey, I’ve realized that stepping out of my comfort zone brings so much growth. Coming from a non-cards background, this experience was a real eye-opener! It taught me that with enough passion, teamwork, and a willingness to learn, you can really break new ground and create something amazing. Here are a few key takeaways for my future self from this Ideathon: 1. 𝐃𝐢𝐯𝐞 𝐈𝐧𝐭𝐨 𝐍𝐞𝐰 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐬: Not knowing the ins and outs of the cards domain felt daunting at first, but it turned out to be a great opportunity to stretch myself and learn something new. It’s all about saying "yes" to new challenges! 2. 𝐀𝐬𝐤 𝐟𝐨𝐫 𝐇𝐞𝐥𝐩 𝐖𝐡𝐞𝐧 𝐍𝐞𝐞𝐝𝐞𝐝: Don’t hesitate to seek help from experts, both within your organization and beyond. Tapping into their knowledge can really help you get a fresh perspective and shape stronger solutions. 3. 𝐓𝐞𝐚𝐦𝐰𝐨𝐫𝐤 𝐌𝐚𝐤𝐞𝐬 𝐭𝐡𝐞 𝐃𝐫𝐞𝐚𝐦 𝐖𝐨𝐫𝐤: Our team’s mix of different viewpoints and ideas was our biggest asset. Working together, we were able to see things from angles we’d never thought of and come up with some truly creative ideas. 4. 𝐒𝐭𝐚𝐲 𝐂𝐮𝐫𝐢𝐨𝐮𝐬 𝐚𝐧𝐝 𝐊𝐞𝐞𝐩 𝐋𝐞𝐚𝐫𝐧𝐢𝐧𝐠: The ideathon was a great reminder to stay curious and adaptable. The payments world is always changing, and keeping an open mind is key to staying ahead! Big thanks to NPCI for hosting such a fantastic event and to everyone at FSS and beyond who cheered us on. Looking forward to pushing the boundaries even further in the world of payments and innovation! National Payments Corporation Of India (NPCI) | FSS #NPCIIdeathon #NCMC #FSS #Innovation

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I am trying something new, again!! I am starting a new discussion series on YouTube called “Chit-Chat Lane” The whole objective of this series is to record discussions with folks who, to some extent, have inspired me, from whom I have learnt or at least had self-realisation moments!! The idea is that - others would also learn and gain insights from such amazing folks whom I admire The first Guest for this is Atharva Kulkarni - Senior Group PM at Zappian What inspired me about Atharva 🎗️The way he started learning about tech by figuring out - that too at the age of 13 🎗️His passion for solving hard problems 🎗️He started building products even before going to college!! 🎗️His journey of entrepreneurship & the way he started his venture when he was in 2nd year of college which was incubated. Fun Fact, he is also passionate about solving the same problem 🎗️His passion for actually building products. He must have built around 10-12 products by now. Maybe even more!! We discussed the following things in the podcast 🎗️How did Atharva figure out a way to learn and get things done 🎗️His experience of building 2 products & getting users for the same 🎗️Learnings and Insights from building the products 🎗️How all the products he built helped him get a PM job straight out of college 🎗️And a lot more things… Here is the link to the video: https://lnkd.in/dXnuA48N Do check out the video, & Subscribe to my channel… many such videos are going to come soon😁 #productmanagement #productdesign #entrepreneurship #product #productmindset #podcast

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It takes just 100 days, to leap ahead in your product management journey! 🚀 Yes, you read it right! Just 100 days! 😊😎 It is inspiring to watch weaver ant tirelessly working to build its hive on a tall eucalyptus tree. Despite falling multiple times, it never gives up. Each fall teaches the ant something new, making it stronger and more determined. Just like the weaver ant, you too can achieve your goals with persistence and the right strategy. Here’s a 10-step guide to help you reach your goals as a Product Leader: 📌 Set Clear Objectives 🎯: Define what success looks like for you and your team. 📌 Understand Your Market 🌍: Dive deep into market research to know your audience and competitors. 📌 Prioritize Ruthlessly 📋: Focus on what truly matters and align your team accordingly. 📌 Build Strong Relationships 🤝: Collaborate effectively with stakeholders, developers, and designers. 📌 Embrace Data 📊: Use analytics to drive decisions and measure success. 📌 Stay Agile 🏃‍♂️: Be ready to pivot and adapt to changes quickly. 📌 Communicate Clearly 🗣️: Ensure everyone is on the same page with transparent communication. 📌 Foster Innovation 💡: Encourage creative thinking and experimentation. 📌 Learn Continuously 📚: Keep updating your skills and knowledge. 📌 Celebrate Wins 🎉: Acknowledge and reward achievements to keep the team motivated. Just like the weaver ant, your persistence and dedication will pay off. Ready to transform your journey? Start today and see where you can be in just 100 days! For more such insights, follow your friendly neighborhood PM Rakesh Kamath ❤️🖤💚💛💜 #ProductManagement #CareerGrowth #Leadership #Innovation #Agile #MarketResearch #DataDriven #Teamwork #Success #ContinuousLearning

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The Reserve Bank of India (RBI) has imposed restrictions on Kotak Mahindra Bank, prohibiting it from acquiring new customers through its online and mobile banking channels and issuing new credit cards. However, the directive allows the bank to continue servicing its existing customer base, including credit card holders. The RBI identified significant deficiencies during IT examinations conducted in 2022 and 2023. Despite ongoing engagement, the bank repeatedly failed to adequately address concerns related to IT Risk and Information Security Governance, which are critical under regulatory guidelines, according to the RBI. RBI said these regulatory measures were deemed necessary to protect customers' interests and prevent potential severe disruptions that could impact the broader financial ecosystem, particularly in the digital banking and payment systems. RBI also noted that the bank's core banking system and online and digital channels had experienced multiple significant outages over the past two years, with the most recent disruption occurring on April 15, 2024, leading to considerable inconvenience for customers. https://lnkd.in/g9ePErf7 BAAR-IGA's expertise in mitigating risks and enhancing regulatory compliance stands as a testament to its efficacy in supporting institutions facing similar challenges. https://baar.ai/baar-iga/ #BAAR-IGA #BAARtechnologies #BAAR-CA #Banking

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Future of #DigitalLending in India is here! The Open Credit Enablement Network (#OCEN) is set to transform how credit is accessed and distributed, with a digital-first approach that streamlines processes for both borrowers and lenders. Imagine getting a loan while ordering food on Swiggy or applying for a micro-loan on the Government e-Marketplace — that’s embedded finance in action! Read the full blog here: https://lnkd.in/gfSgCKFM Topics covered: - What is OCEN? - How OCEN Works: Key Players and Processes - Cashflow-based Lending vs Balance Sheet Lending - The Role of Embedded Finance in OCEN - Account Aggregator Integration #OCEN #DigitalLending #EmbeddedFinance #Fintech #IndiaStack #OpenCreditEnablementNetwork #FutureOfFinance #FinancialInclusion

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Nimisha Sharath Sharma and I are excited to launch the fourth episode of "𝗟𝗲𝘁'𝘀 𝘁𝗮𝗸𝗲 𝘁𝗵𝗶𝘀 𝗼𝗳𝗳𝗹𝗶𝗻𝗲" podcast where we talk about 𝗚𝗮𝗺𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻! Gamification is a product strategy concept that uses psychological and game design principles to motivate and engage users. In this episode, we talk about Gamification and then deep dive into how products use gamification strategies for 𝗨𝘀𝗲𝗿 𝗔𝗰𝗾𝘂𝗶𝘀𝗶𝘁𝗶𝗼𝗻, 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗶𝗻𝗴 𝗘𝗻𝗴𝗮𝗴𝗲𝗺𝗲𝗻𝘁, 𝗗𝗿𝗶𝘃𝗶𝗻𝗴 𝗠𝗼𝗻𝗲𝘁𝗶𝘇𝗮𝘁𝗶𝗼𝗻 and 𝗣𝗿𝗲𝘃𝗲𝗻𝘁𝗶𝗻𝗴 𝗖𝗵𝘂𝗿𝗻. Link to the entire podcast is in the comment section below. Do like, share and subscribe to the podcast and if you have any comments - I guess we can take this offline! -- One of my favorite books on this topic is a book called "𝗛𝗼𝗼𝗸𝗲𝗱" by Nir Eyal where Nir talks about how successful companies use principles of psychology to create habit forming products. Also checkout this amazing 𝗧𝗘𝗗 𝘁𝗮𝗹𝗸 by Luis von Ahn where he talks about making learning as addictive as Social Media. (Link in the comments) #ProductManagement #Gamification

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Heard something around the attributes of a product manager and it made total sense to me. Some product managers bring arguments, debates and pushbacks to the table while others are able to channelize the questions, inputs, and convert that into strategic choices which can then shape discussions and bring in a direction. Needless to say, the latter brings faster and sustainable growth to the individual. Which one are you? #productmanagement

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Fintech is transforming digital finance in India, making it more accessible and impactful. Leading this change are cutting-edge tech and talented minds. Check out our CTO, Ramkumar Venkatesan, in his chat with Dataquest on what makes India's fintech landscape so dynamic 👉 https://lnkd.in/etBtsTyq #Tech #Business #Fintech #Payments

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Thank you, Ramkumar Venkatesan, for sharing your valuable insights on India's evolving fintech landscape. It's inspiring to see how cutting-edge technology and talented individuals are driving impactful changes in digital finance. Cashfree Engineering #Tech #Business #Fintech #Payments

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A common problem among all PMs today⬇️ A recent feature update by Zomato sparked the debate on whether features should be launched at whims and fantasies of our stakeholders or should there be a data backed need for it!!🛠️ Let me know your thoughts in comments ✅ #productmanagement #features #zomato

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Data is the ‘Brahmastra’ of Product Managers and the most effective way to drive Product Development. One of the main task of a Product Managers is Stakeholder Management. Each Stakeholder has an opinion. The superpower PMs can use to get their idea accepted in conflicting situation, is by using relevant data. PMs use data to align stakeholders with roadmaps, explain the benefits of what's been built, and prioritise what to build next. With constant pressure to learn faster and do more with data, PMs need to remain focused and efficient in this arena, with these simple rules: 1. Gather implicit data - There can’t be any excuses to it. There will be other priorities, but PM must find small ways to quantitatively measure user behaviour patterns across the product. Real visibility into how users will react to new features will come with this. Recognising features which hits the bulls eye, one with incremental benefit or a feature which is a backlash feature. Or even results of A/B testing. Look at transactional data, events, heat maps, logs, performance or error rates.  2. Qualitative Data is explicit data which needs to be given highest priority - In order to tell a story, PMs generally lean on implicit data to validate their hypotheses. But the devil is in the details. Whenever a particular data is to be analysed, qualitative feedback shared directly by users needs to be taken. E.g - after the release of a particular feature, the TAT has reduced, but qualitative analysis shows that users have moved to work arounds rather than the intended usage. This sort of analysis leads to protecting the bigger picture. 3. Reiterating:Always go to your customers when a qualitative or quantitaive difference is observed -  If we want to see how people are using your product naturally, questions based on their unique context about using the product in specific situations needs to be asked . For workarounds, special note to be taken. 4. Right users for the questions - While validating a data story, At B2B setup (both internal and external customers), product managers often engage with the C-suite as their customers. Their feedback might be different than the primary users of your product. Getting to the right users and posing the direct questions to them is very important 5. Track the right metrics -.As discussed above, measuring the right things needs to be ensured. Out of the many metrics that we may come across, we need to understand what metric will indicate that the product is succeeding in solving the customer problem in the way that we want.This is what we call as the outcome metrics.Eg-Revenue,NPS,Gross margin,Active users and so on. However when looking at the Outcome metrics we drill down to other metrics [More on this later] Caution : Staying clear of Goodhart's Law. - For example, if a call center employee is compensated for the number of calls made, those call numbers will go up but have potential adverse consequences (lower quality conversations)

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Explore how understanding the mind can elevate your product design to new heights. #ProductDesign #UserBehavior #Psychology #Innovation #UXDesign #ProductManagement #Strategy #CustomerExperience #BusinessInsights

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