Banking domain × AI product

Product Manager
building AI into banking and payments.

15+ years inside European banks' payment systems, now shipping AI products across payments, Open Banking, and Open Finance, with live consoles, B2B APIs, and a GenAI categorizer.

Product Manager, Service Operations (PSD2 / Open Banking) · Munich
See my work Download CV Get in touch
3
shipped AI/payments builds
15+ years
in Banking IT, top-tier EU banks
9
Open Banking countries, bank-side
Selected work

Products I've built and shipped

Digital euro Live demo

Digital Euro: PSP Operations Console

A bank/PSP-side React console for folding the digital euro into an existing payment estate: holding-limit & waterfall engine, ISO 20022 settlement over DESP/TARGET, compliance, and a phased roadmap.

React 18ISO 2002278 testsClaude Code
View live demo
Live demo

Open Finance Data: B2B use-case suite

An illustrative Mastercard Open Finance Data prototype: 11 B2B use cases (account verification, income & affordability, spending insights, MCC normalisation) on a synthetic-bank foundation, each a headless API plus a demo console.

Open FinanceMCC normalisationPython APIClaude Code
View live demo
GenAI categorizer

Multi-Bank Open Banking TPP

A multi-bank PSD2 aggregator (5 European banks, Berlin Group). A three-tier GenAI categorizer cut unclassified transactions ~80% on an evaluation harness, with an override layer that fixed a real LLM bias bug.

Python / FlaskNextGenPSD2Local LLMClaude Code
View live demo View repo
Experience

Top-tier European banks, 2010–present

Sep 2019 – present · Munich
Product Manager, Service Operations (PSD2 / Open Banking)
UniCredit
  • Owned Open Banking service operations across 9 EU markets.
  • Built the Splunk-based Open Banking monitoring framework across those markets that cut regulatory incidents 99%, now the bank's standard; automated my own ticket triage with Copilot (34% faster).
  • Drove the IT-side response to the 2024 Hungarian National Bank Open Banking audit, furnishing evidence and drafting answers, surfacing a compliance gap with a remediation plan; no significant findings.
2016 – 2019 · Poland
Senior IT Service Manager · Service Transition Manager
Nordea Bank
  • Held P&L for portfolio products; drove a Time & Material to Managed Services switch and recovered a 36% regulatory-reporting SLA improvement post-cutover.
  • Built the Nordea Service Transition Framework (adopted org-wide); ran 5 large transitions end-to-end.
2010 – 2016 · Gdańsk · Bangalore
Service Delivery Lead (deployed to GE Capital / Bank BPH)
Attra Infotech (customer: GE Capital)
  • Built a 24×7 banking-app support operation from zero around an 8+ member multicultural team.
  • Delivered Mastercard & Visa scheme-compliance releases on VisionPLUS® end-to-end, covering scoping, build, test, and release on the z/OS mainframe; also ran FICO® Falcon® on the same stack. Foundational card-payments and ISO 8583 work.
Skills

Where domain, AI, and delivery meet

AI

AI & technical

GenAI feature design · local LLMs (Ollama, Qwen) · structured output · eval harnesses · React / Python / Flask · SQL · mainframe background.

€

Payments & Open Banking

PSD2 (bank- & TPP-side) · Berlin Group / NextGenPSD2 · ISO 20022 · OAuth2 · mTLS · consent & SCA · card-scheme compliance · digital euro.

⚙

Operations & governance

ITIL · SLA/KPI frameworks · vendor sourcing · P&L & cost control · service transition · Splunk · ServiceNow · JIRA.

AI For Everyone, DeepLearning.AI ITIL® V3 Expert PMP® Certified SAFe® Scrum Master B.E. Electronics & Communication German, telc B1

Let's talk banking, payments, and AI products

Based in Munich. Always glad to compare notes on Open Banking, payments infrastructure, and where AI earns its place in regulated operations.

ajaykrishna.ptr@gmail.com Download CV GitHub
Ajay Krishna
Product Manager, Service Operations (PSD2 / Open Banking) · UniCredit
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