Gurugram, India

Technical depth.
FinTech domain.
PM obsession.

The rare PM who speaks fluent engineering, thinks in compliance frameworks, and obsesses over user problems — all at once. Six years shipping regulated financial products and enterprise AI platforms at scale.

GenAI & RAG Enterprise FinTech AWS · GCP · Azure KYC/AML & Compliance Payments Infrastructure
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RAG Pipeline Cloud KYC LLM Data Layer Retrieval API 10–15× faster retrieval velocity 35+ clients tier-1 FinTech Compliance pre-deploy gate
Delivered for
Deloitte BlackRock Vanguard Principal Financial TCS Shiprocket

Two decisions that defined the track record

Not what I shipped. What I stopped — and why.

Deloitte · Enterprise AI Platform
I blocked the features stakeholders were demanding for six months.

The multi-agent wealth optimization features were ready to ship. Stakeholders wanted them live. I held them back because the data foundation wasn't ready — and shipping on it would have meant building everything downstream on sand. Six months later, we shipped on a foundation that was actually trustworthy.

10–15×execution velocity
200%platform engagement
35+tier-1 clients live
TCS · Wealth Management Platform
Six weeks into the build, I stopped it mid-sprint.

The manual rebalancing dashboard was on schedule, on spec, and making the problem worse. User research showed it was causing analysis paralysis — advisors were avoiding it entirely. I redirected the team to automated Monte Carlo simulations with outcome-based recommendations. The stakeholder who'd pushed hardest for the original brief later called it the right call.

3×user adoption
100%manual steps eliminated
35+
Tier-1 FinTech clients
across global wealth & payments
200%
Platform engagement growth
via behavioral re-architecture
10–15×
Data retrieval velocity
after foundational rebuild
38k+
Lines modernized across
9 legacy applications

Three things most PMs cannot do together

Most PMs pick two. I bring all three — and the track record to prove it.

Deep Technical Fluency

Hands-on with AWS Lambda, CloudWatch, DynamoDB, S3, Athena, GCP, and Azure. I've architected REST API pipelines, webhook event systems, async queues, and RAG pipelines. Engineers respect my PRDs because I understand what I'm asking for at the system level.

Regulated FinTech Domain Mastery

Wealth management, pension platforms, KYC/AML, risk profiling, Monte Carlo simulations, BIN management, Visa and Mastercard integrations. I don't need a crash course in financial products. I've shipped them at global tier-1 institutions.

Problem-Obsessed PM Craft

I've killed features mid-sprint when user data proved we were solving the wrong problem. I've pushed back on client requests at global asset managers and delivered something better. I use RICE and Kano to win scope arguments with data — not seniority.

The PM behind the platform

I'm Ruchi Parijat. Six years across enterprise AI, regulated FinTech, and payments infrastructure — from Deloitte's global wealth management practice to building card issuance infrastructure at Shiprocket from zero.

My edge is that I think like an engineer, move like a PM, and speak the language of compliance. That combination is rare. The outcomes above are what it produces.

Cloud
AWS LambdaDynamoDBS3AthenaGCPAzure
AI / ML
OpenAI APIRAGGraphRAGVector DBsLLM Evals
FinTech
Wealth MgmtKYC/AMLBIN MgmtVisa/MCPCI-DSS
PM Tools
AmplitudeMixpanelRICE/KanoCohort Analysis
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Ruchi Parijat, Senior Product Manager
📍 Gurugram, India · Open to Remote

What I'd bring in 90 days

Concrete, measurable outcomes — not a honeymoon period.

Building AI on enterprise data

Unlock the features your team has been waiting to ship

Day 30Map data architecture and identify the compliance surface
Day 60Data readiness framework running as an automated pre-deployment gate
Day 90AI features your team couldn't safely release are live
Building regulated FinTech

Make legal review cycles measurably shorter

Day 30Audit compliance workflow — identify where regulation is an afterthought
Day 60Compliance contract embedded in the sprint process
Day 90Engineering shipping with confidence, legal cycles shorter
Moving fast but losing user trust

Find the failures hidden in green dashboards

Day 30Cohort analysis on D7 and D30 retention — past surface metrics
Day 60Event-driven behavioral architecture designed
Day 90Retention curve looks different
Engineering doesn't respect product

Close the trust gap from day one

Day 30Technical PRDs with API specs, flow diagrams, edge case matrices
Day 60Engineers contributing to requirements, not pushing back
Day 90Product credibility established — team running as one unit

Open to Senior PM Roles

Senior PM roles across enterprise AI, FinTech, payments, cloud platforms, and beyond.
Let's talk about what you're building.

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