Manish Kumar Panigrahi
I lead complex projects in banking and financial services: digital payment products, cross-border remittance, ISO 20022 migration and regulatory programs. Over 8 years at HDFC Bank, Capgemini and L&T Finance, I've delivered solutions that are compliant, efficient and measurable.
Profile summary
<!-- profile, as a credit transfer --><CdtTrfTxInf> <Nm>Manish Kumar Panigrahi</Nm> <Role>Sr. Project Manager</Role> <Exp unit="yrs">8+</Exp> <Domain>Payments · BFSI</Domain> <Ctry>57</Ctry> <!-- ISO 20022 rollout --> <Certs>PMP · IIT Delhi TPM</Certs> <Loc>Odisha, IN</Loc></CdtTrfTxInf>
Project and Product Management professional delivering complex technology initiatives, business transformation programs and digital solutions in Banking & Financial Services.
Currently Senior Project Manager at L&T Finance, driving digital payment innovations and automation that improve collections performance and operational efficiency.
Strong across the SDLC: requirements analysis, solution design, testing, deployment and post-implementation support.
Builds product strategies and roadmaps, prioritising features by business value and using market and competitor analysis to improve customer experience and ROI.
Deep understanding of RBI regulations, ISO 20022 migration, cross-border payments and major compliance frameworks.
Leads and mentors multidisciplinary teams, keeping collaboration, communication and stakeholders aligned.
Proficient in SQL, Python, Tableau, Power BI and API integrations for data-driven decisions and process optimisation.
Monitors KPIs and risks, meets compliance requirements and delivers within scope, budget and timelines.
Experience
Core competencies
Programming & scripting
Databases
Analysis & visualisation
Tools & collaboration
Soft skills
Education
Executive Programme in Technology & Product Management
Indian Institute of Technology (IIT) Delhi
B.Tech., Electronics & Communication Engineering
Vignan Institute of Technology & Management, Odisha
Certifications
Achievements
Optimised digital payment operations
Implemented an automated reconciliation system that reduced transaction processing errors and improved settlement timelines for cross-border payments.
Product adoption & engagement
Launched a mobile-first digital payment feature, increasing active user adoption within the first quarter after launch.
Streamlined regulatory reporting
Developed an integrated compliance dashboard for RBI and international regulatory reporting, reducing manual effort and ensuring 100% on-time submissions.
High-impact transformation
Migrated legacy banking systems to a unified platform, cutting operational overheads while maintaining business continuity.
Data-driven decision-making
Introduced predictive analytics for delinquent accounts, enabling proactive intervention and reducing overdue payments.
Thoughts on payments, product and delivery
I share notes on digital payments, ISO 20022, RBI compliance and running product teams in BFSI. See my recent posts, or connect to talk about project and product roles.
Let's build the next payment product together.
Open to roles in Project Management, Product Management and Business Analysis across banking and fintech.