T-shaped Senior Product Manager with 10+ years of experience building and scaling high-impact B2C, B2B2C, and B2B products across FinTech, Digital Banking, HR-Tech, and E-commerce in emerging and fast-growth markets. Specialized in card issuance flows, payments, digital onboarding, KYC/IDV, courier logistics, API integrations, platform scalability, and revenue-driving growth funnels (AAARRR).