Kanti Kiran Bejjavarapu

  • Hyderabad Area, India, IN
Kanti Kiran Bejjavarapu

Product Manager


Lead Product Manager with 9 years of experience with a successful track record of envisioning, building and launching innovative enterprise software products with first class user experience, in cloud (PaaS, SaaS) and standalone software, in Banking, Payments & Financial Services domain. Achievements include delivery of successful results in varied business environments, sometimes in those constrained by execution time frames and complex user requirements.

Work experience

Work experience
May 2013 - Present

Product Manager

Wave Crest Payment Technology Private Limited

Responsible for envisioning & executing platform product strategy on new products through API, web & mobile channels, for supporting mass pay-outs across multiple industries in Agile methodology. This included efforts to define requirements for the service oriented architecture based cloud platform (including client migration) to replace existing application.

  • Wallet based prepaid solutions with REST APIs through Web apps (B2B & Consumer portals, B2C), Tablet & Mobile apps (iOS, Android) & Support tools (Back Office & IVR) for Business users and individuals
  • Enterprise (B2B) solutions for mass pay-outs (digital payments) using prepaid cards (EMV & Magnetic stripe), for corporates to enable payments to employees/customers/vendors of various industries
  • Debit Card Management System & Closed loop ATM switch integration with Banking Software
  • Enterprise Prepaid solution for college administrators and students to handle student refunds and receive other funds (from parents/guardians)
  • Enterprise Prepaid solution for Tax Refunds that allows tax preparers to pay refunds via prepaid card – eliminating the potential for check loss and fraud
  • Prepaid solutions to bridge the gap between crypto currency and digital payments - to make purchases with digital currency (Bitcoins) and loyalty points
  • Integration with third party payment processors for fund transfers - SWIFT & Domestic payments, P2P payments etc o Fund Loads from Bank account & Funds Unload to Bank Accounts
    • Envoy (API & Web), Automated Clearing House (ACH – US, File exchange), National Electronic Funds Transfer (NEFT – India, File exchange)
    • Load funds from credit/debit cards - Global Collect (Europe – API & Web), Elavon & Secure Trading (US – API & Web)
    • Biller Payments: BillDesk (India – API & Web)
    • Integration with payment processors for card management & card-lifecycle management systems o Fidelity Information Systems (US & UK)
    • Self registration experience for corporates, merchants & customers
Jan 2012 - May 2013

Senior Manager - Technology Products 

FINO Paytech

Responsible for architecting cloud (SaaS, PaaS) applications and standalone software with multi-tenant (client & application) capability in Banking and Payments domain. Responsible for delivering software implemented with web services through POS, Smartcards, Web Apps, Mobile apps (Symbian) & relevant Support tools (Back Office)

  • Feature definition for enhancements for a home grown Core Banking System to support Retail banking deposits (savings & term deposits) and loan accounts (including insurance tagging)
  • Enhancements to POS, Web & mobile (Symbian) Apps for supporting customer, merchant enrolments and financial transactions for retail banking (Financial inclusion – outsourced Banking)
  • Enhancements to the Card Management System (EMV & Magnetic Stripe cards)
  • Managing integration with gateway systems of clients for routing online transactions in ISO 8583 protocol
  • Integration with third party processors for enabling biometric authentication for online banking transactions
  • Integration with third party processors (Interbank Mobile Payment System (IMPS)) for enabling merchant based P2P payments
  • Managing enhancements for Merchant Management Systems
  • Offline biometric authentication and transaction processing software through POS and mobile apps
  • Implementation of reconciliation system that reduced manpower in reconciliation team by 70%
  • Waterfall methodology for project delivery through 2-3 month release cycles
  • New Product conceptualization, definition, execution and product roadmap management
Jun 2007 - Nov 2011

Manager Band II - Product Manager

ICICI Bank Limited

Responsible for the product effort to define enhancements for systems needed to support financial products in retail banking. Spearheaded the implementation of an instance of Core Banking System (CBS) for Retail Banking and integration of the CBS with multiple vendors’ systems for transaction processing

  • Gathering requirements for system enhancements for business products in the retail banking vertical
  • Managing integrations with vendor systems to integrate with FINACLE Core Banking system for Retail Banking through a payment gateway in the ISO 8583 protocol
  • Implementation of Loan origination work flow systems for Retail banking products
  • Implementation of Performance Management & Reporting Systems for the retail banking business group
  • Customization of FINACLE Customer Relationship System (CRM) systems for Retail Banking products
  • Customization of Mobile banking modules through SMS and USSD protocols for Retail Banking
  • Architected the processes for scaling up customer on-boarding & payments processing
  • Implementation of banking processes through alternate channels for Retail Banking (Outsourced models)
  • Implementation of business analytics projects for the business group
  • Part of the team that detailed requirements for customizing banking software (FINACLE) for inclusive banking (Liabilities and Assets) - Deposits (Savings, Fixed, Recurring), Clearing (Inward & Outward), Loans and Overdrafts
May 2006 - Jun 2007

Project Manager


Responsible for project management of multiple IT & field projects for enhancing financial services for microfinance customers. Spearheaded the business plan development and monitoring against actuals through a business analytics dashboard.

  • Capturing System requirements for loan portfolio software enhancements along with API and data requirements
  • Competitor and market analysis of existing products through online research
  • Implementation a business analytics dashboard for monitoring the business development plan
  • Enhancements to accounting module and incorporation of the same into the accounting software
  • Conceptualized and implemented cost allocation techniques for profitability analysis
  • Part of the team that conceptualized an ERP plan for the company
  • Streamlining field operational processes for the Loan Product offering in microfinance
  • Business & Financial planning and monitoring of the plans for the company
  • Researched delivering models for financial services in rural areas by leveraging mobiles & POS devices


2004 - 2006

Master of Business Administration (MBA)

Institute of Rural Management Anand
Member of the Academic Committee
2001 - 2004

Bachelor of Computer Applications

College of Engineering, GITAM
Student of Bachelor of Computer Applications. C, C++, Java, RDBMS, Software Engineering


  • Requirements gathering tools – Jira, Confluence, MS Word, MS Excel
  • Diagramming tools – MS Visio, Enterprise Architect, Lucidchart, Edraw Max
  • Utilities - MS Project, MS Office Suite, SAS Enterprise Guide
  • Core banking systems familiar – FINACLE, FINNONE (including APS), i.Bankware
  • Communication protocols familiar: HTTP, Web Services (REST, SOAP), ISO 8583
  • Familiar with Web technologies and client & server side programming and web scripting languages
  • Familiar with procedural programming, object oriented programming & database concepts


DOB: 22nd Jan 1983

Male, Married

Languages Known: English, Telugu (Mother Tongue), Hindi (Read/Write/Spoken)

Willing to Travel/Relocate – References Furnished upon Request