Welcome! explore my work and impact

Product Leader — AI, Defense & FinTech

15+ years delivering scalable, measurable products in FinTech, Defense, and AI (GeoAI & Digital Twin). I align stakeholders, ship fast in small slices, and track success through activation, time-to-value, and retention.

Key Skills Product Strategy Regulatory/Compliance Team Leadership
Sectors I worked in Defense/EW AI (GeoAI & Digital Twin) FinTech
How I work Outcome-first discovery Predictable delivery Measured impact
See my work Say Hello Book 30 min
Vishal Kumar

About

I'm a product leader who thrives on simplifying complex, regulated problems. I focus on the smallest valuable release, validate with real usage, and scale what works.

14+ years across FinTech (payments, remittance, KYC/AML), SaaS, and Digital Twin / GeoAI — primarily in the UAE, building high-impact products for government, enterprise, and regulated sectors.

Outside of work, I recharge with chess matches with my daughter and testing new recipes she gets to score. Always up for conversations about product trade-offs and building great teams.

What I Bring

  • Outcome-Driven Discovery

    Talk to users, map Jobs-to-Be-Done, define measurable success upfront.

  • Predictable Delivery

    Short cycles, visible roadmaps, clear definition of "done".

  • Compliance Without Friction

    Ship fast in regulated spaces while respecting guardrails.

  • Data-Driven Decision

    Track activation, TTV, retention; iterate with experiments.

Selected Results

  • 30% faster permit cycle times via Digital Twin workflow redesign.
  • 50% higher onboarding completion with guided ID & document capture (FinTech).
  • 30% growth in digital remittance volume from pricing engine + funnel optimization.
GeoAI Digital Twins FinTech SaaS AML/KYC Online/Mobile Channels

Experience

Impact stories across FinTech, Payments and Geospatial AI.

  1. Space42 (Bayanat + Yahsat) logo

    Senior Product Owner

    Space42 (Bayanat + Yahsat) • Abu Dhabi · Oct 2020 – Present

    Led the Ajman Digital Twin Platform and DOH Health Licensing Facility, driving discovery → delivery → measurable outcomes across GeoAI and GovTech.

    0%
    On-time delivery ↑

    Release trains, visual roadmaps

    0%
    Cycle time ↓

    Lean specs, fewer handoffs

    0%
    Retention/usage ↑

    Journey fixes, feedback loops

    What moved the needle

    Key Initiatives

    • Ajman Digital Twin — unified 2D/3D geospatial viewer, asset registry, and permit workflows; set success metrics on active planners and permit cycle time.
    • DOH Health Licensing Facility — end-to-end licensing portal consolidation; rebuilt onboarding with identity verification and straight-through rules.
    • GeoAI change detection — SAR/optical fusion alerts for field ops; weekly ML–product iteration loop on precision/recall.

    My Role

    • Outcome-first discovery (interviews, JTBD, KPI trees, guardrail metrics).
    • Backlog & release planning (ART/PI cadence, dependency mapping, risk slicing).
    • Instrumentation (event taxonomy, dashboards for DAU/time-to-value/retention).
    • Stakeholder alignment (Ajman Gov, DOH Abu Dhabi, internal GTM/ops).

    Selected Outcomes

    • Cut permit processing time by 30% with workflow redesign.
    • Increased licensing onboarding completion by 50% with guided flows.
    • Reduced GeoAI alert review time by 35% via precision tuning & UX improvements.

    Tooling / stack

    Jira, Confluence, Visio, Figma, Postman, CesiumJS / Mapbox GL, Esri/QGIS, Python notebooks for analysis, and Power BI (dashboards).

  2. UAE Exchange logo

    Associate Manager (Senior Product Owner)

    UAE Exchange • Abu Dhabi · Sep 2014 – Sep 2020

    Led the digital remittance & bill-pay platform and mobile app rollout, balancing compliance, UX, and delivery speed across multiple regions.

    0%
    Volume ↑

    Pricing engine + funnel fixes

    0%
    Onboarding time ↓

    IDEMIA digital identity

    0%
    Adoption ↑

    Iterated weekly on data

    How we scaled it

    Key Initiatives

    • Digital cross-border remittance & utilities — rebuilt core flows, streamlined KYC/AML checkpoints.
    • Pricing Engine as a Service — real-time FX/fee strategies; drove +30% revenue/volume on priority corridors.
    • False-positive reduction — risk rule tuning & review playbooks to cut compliance friction.
    • Malaysia agency business launch — channel enablement → ~+20% revenue uplift.

    My Role

    • Product discovery (interviews, data review, JTBD) → outcome metrics for each epic.
    • Backlog & release planning across mobile/web, risk, and core systems.
    • Conversion instrumentation (event taxonomy, funnel dashboards) and weekly review.
    • Stakeholder alignment across Compliance, Ops, IT, and country managers.

    Scaled the Digital Remittance & Bill-Payment platform across multiple regions, balancing compliance and UX.

    • Boosted remittance volume by 30% via dynamic pricing engine.
    • Improved onboarding completion by 50% through digital ID & doc capture.
    • Cut compliance false positives by 25% through risk rule tuning + UX fixes.

    Tooling / stack

    Jira, Confluence, Figma, Postman, Analytics dashboards, Mobile/web apps + core remittance, risk rules, and payment rails integrations.

  3. UAE Exchange logo

    Assistant Manager (Product Owner)

    UAE Exchange • Abu Dhabi · Jul 2009 – Sep 2014

    Early ownership across remittance & retail payments — set up the habits of research-led roadmapping, lean delivery, and measurable releases.

    0%
    Customer satisfaction ↑

    Journey fixes from research

    0%
    Time-to-market ↓

    Lean specs & releases

    0%
    Digital channel share ↑

    Web & self-service rollout

    Highlights

    Key Initiatives

    • Retail remittance enhancements — counter → digital parity on fees, corridors, & limits.
    • Online self-service — launched web flows for repeats, receipts, and status tracking.
    • KYC/AML baseline — standardized capture & review steps; reduced rework.
    • CRM & campaigns — segmented offers to retain high-value senders.

    My Role

    • Backlog ownership, grooming, and iterative specs with Design & Eng.
    • Release planning & UAT with branches, Ops, and vendors.
    • Basic analytics setup; weekly reviews on drop-offs and errors.

    Early product ownership across remittance & retail payments — introduced research-led roadmapping and measurable releases.

    • Raised NPS/CSAT by 20% after customer journey fixes.
    • Reduced release cycle time by 25% through lean specs & smaller scopes.
    • Increased digital channel share by 30% after launching online self-service.

    Tooling / stack

    Jira, Confluence, SQL/Excel for analysis, and Web channel + core remittance integrations.

Download full CV

My Work & Case Studies

Key outcomes and what I built.

Recognized EW Picture (REP) & Alerting

EW / Defense

Space42 • Role: Product Owner + BA • 2 years

What I shipped

  • Real-time REP with COMINT/ELINT/Radar fusion
  • Rule-based alerts & threat scoring to units
  • Operator reporting automation (replaced PPT/Excel)

Measured

  • Time-to-alert ↓
  • Operator reporting time ↓
  • Duplicate/false tracks ↓
  • REP coverage consistency ↑
Operational map Emitter timeline Alert rules

Ajman Digital Twin — Quality of Life

Digital Twin

Space42 • Role: Product Owner + BA • 6 months

What I shipped

  • City layers fused + KPI dashboards (6 domains)
  • Scenario overlays; role-driven UX
  • Dark/light modes, Multi-language support & strong legends

Measured

  • Safety, Economy, Liveability
  • Tourism, Utilities, Transport KPIs
  • Freshness/latency targets met
KPI dashboards City overlays Traffic & scenarios

Dynamic Pricing Engine (Remittance & Fees)

FX

UAE Exchange • PO + BA • ~6 months

What I shipped

  • Real-time pricing: volume, corridor, risk
  • Rules + optional ML; guardrails & audit
  • A/B framework and KPI tree

Measured

  • ~+30% volume on priority corridors
  • Margin per txn & win-rate ↑
  • P95 response faster; High Availability maintained

Utility Payments & Mobile Top-ups (GCC)

Payments

UAE Exchange • PO + BA • Multi-market

What I shipped

  • Unified bill-pay hub across GCC utilities
  • Cards via multiple PSPs; 3DS2 & tokenization
  • Beneficiaries, reminders, receipts

Measured

  • Adoption & repeat usage ↑
  • Auth success ↑; failures ↓
  • Time-to-receipt faster; clearer errors

Hybrid Payment Mode (Split Tender)

Payments

UAE Exchange • PO + BA • POS + web/app

What I shipped

  • One txn, multiple tenders: cash + card(s)
  • Pre-auth each leg → capture all; atomic rollback
  • 3DS2, token vault, retry/backoff

Measured

  • Drop-offs on high tickets ↓
  • Settlement exceptions ↓
  • Counter time faster

FX Buyback — 30-Day Same-Rate Option

FX

UAE Exchange • PO + BA • 5 months

What I shipped

  • Optional add-on at purchase; nominal fee
  • Digital voucher/QR on receipt for redemption
  • Same-rate sell-back within 30 days

Measured

  • Uptake & repeat visits ↑
  • Incremental fee revenue ↑
  • Rate-related disputes ↓
  • Teller handling time ↓

FX→FX (Cross-Currency) with Local Change

FX

UAE Exchange • PO + BA • 4 months

What I shipped

  • Single-ticket FX→FX; one fee, one receipt
  • Triangulation via local base; rate-lock window
  • Denomination helper for FX & change

Measured

  • Counter time faster; one booking
  • Short/excess till cases ↓
  • Cleaner GL & reconciliation

Core Competencies

Expertise across Program Management, Digital Transformation, GeoAI, Digital Twin and Financial technologies.

1. Product & Program Management

Product Management Program/Project Management New Product Launch Talent & Capability Functional Leadership

2. Technical Expertise

Business Analysis Process Re‑engineering APIs

3. Domain Knowledge

GeoAI Digital Twin Payments FX AML/KYC Defense SaaS

4. Business Applications

Forex Platform Financial Apps Remittance/Payroll Actimize/AMIGO UAEFTS/WPS/CBUAE SWIFT/EID Banking APIs Mobile Apps

5. Other Tools & Technologies

MS Projects Jira Qlik Visio/Office HTML/CSS/JS Scrum/Agile AI/Chatbots Postman Confluence

My Approach to Building Impactful Products

4 simple phases: Discover → Plan → Build → Learn.

Discovery — Find the real problem

Discovery — Find the real problem

My Certifications

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Let's Connect

Open to new product challenges and good conversations.

kapoor.vishal1102@gmail.com LinkedIn Meeting Request

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