About me Jatin

Aligning Innovation with Business Growth in Financial Services.

  • Strategic Product Owner & Payments Domain Expert with 9+ years of proven experience in fintech and banking platforms
  • Currently driving payments modernization at Emirates NBD via Dicetek LLC
  • Led enterprise-scale transformations, including:
    • Complete overhaul of the Escrow Management System
    • Modernization of Cheque Clearing processes
    • Key enhancements across UAE’s core payment rails:
      • Instant Payments (IPI)
      • Fund Transfers (FTS)
      • GPSSA & FTA Invoice Based Payments
      • Direct Debit (DDS)
      • Wage Protection System (WPS)
  • Expertise in domestic & cross-border payments, cheque clearing, Escrow management system and policy governance
  • Proven track record in delivering regulatory-aligned, scalable, and efficient solutions
  • Certified in SWIFT ISO 20022
  • Educational background: B.Tech in Computer Science + MBA in Banking & Financial Services
  • Unique blend of technical knowledge, business insight, and leadership skills to tackle complex financial ecosystem challenges with confidence

+

years experience

+

Projects done

Awards & Recongnitions Won

CORE COMPETENCIES

Payments and Fintech Expertise

UAE Domestic Payments (FTS , IPI , DDS , WSI , WPS , Real-Time) , Cross-border Payments , UAE FTA & GPPSA Payment , Instant Payment Systems , Central Bank Integrations (Customer Account Details , POS & ATM Transaction Reporting) , ICCS (UAE & Egypt) , BPM Cheque Referral , Escrow Management Systems , SWIFT ISO 20022 Compliance , Policy Governance & Regulatory Compliance

Product Ownership & Leadership

Agile Product Lifecycle , Roadmap Planning & Execution , Prioritizing Business Value , Stakeholder Engagement & Clear Communication , Product Lifecycle Management , Strategic Roadmap Development , Requirements Gathering & Documentation , SLA Monitoring & Incident Management

Technical Proficiencies

Microsoft Excel with VBA , PowerPoint , Word , Copilot , Trello , Project Management Tools (Jira , TFS) , Confluence

Domain Knowledge

Domestic Payments , Cross-border Transactions , Escrow Services , Education Technology , Core Finacle Banking Solutions

Business and Analytical Skills

Risk Assessment & Mitigation , Gap Analysis , Requirement Prioritization

Soft Skills

Calm Decision-Making Under Pressure , Strong Leadership & Team Management , Clear Communication & Negotiation , Aligning Cross-Functional Teams & Vendors

Education

Bachelors of Technology in Computer Science

2012 - 2016

• Emphasized software development methodologies and agile practices vital for effective software development and product ownership.

• Completed a capstone project focused on system analysis and product life cycles, providing foundational knowledge pertinent to managing and prioritizing product features.

Master of Business Administration

2023 - 2024

• Participated in a rigorous curriculum that included advanced financial analysis and risk management, providing a strong foundation for assessing and prioritizing product features based on potential economic impact.

• Developed leadership and decision-making abilities through coursework in financial strategy and operations, vital for leading cross-functional teams in a Product Owner role.

© 2025 Jatin Rana. All rights reserved.