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Hari Prasad Josyula, the Product Management Expert Innovating Tomorrow’s Fintech


The global FinTech industry is poised for remarkable growth, with projected revenues set to soar from $245 billion to $1.5 trillion by 2030, as reported by Boston Consulting Group (BCG) and QED Investors. Currently claiming a 2% share of the $12.5 trillion global financial services revenue, the FinTech sector is expected to expand to 7%, with banking FinTechs projected to constitute almost 25% of all banking valuations worldwide by 2030. The industry heavily depends on innovative and robust digital products developed using cutting edge technologies. Product management team plays huge role in the success of the products of any fintech organization. Hari Prasad Josyula, an experienced product manager working with US banks says,“Fintech is still in its early stages of development and has the potential to keep changing how the financial services industry looks and works.”

Josyula has more than 16 years of experience in fintech sector. He started as a business analyst but understanding the significance of product management in Fintech sector he has steadily progressed to become a seasoned Product Manager, making noteworthy contributions to the industry. He has worked with globally renowned organizations.

Josyula’s professional journey in the dynamic FinTech sector is distinguished by a range of accomplishments and a wealth of expertise. Leading teams through intricate projects, Josyula has played a pivotal role in endeavours such as mergers, real-time payment implementations, and regulatory compliance initiatives. His impact extends to the introduction of cutting-edge technologies, including analytics and reporting platforms, real-time payment systems, and risk management tools.

Josyula’s client portfolio is a testament to his versatility, collaborating with esteemed entities like Ameriprise Financial, Royal Bank of Canada, Caterpillar, UPS, Cargill, and US Bank. This diversity showcases his adeptness in navigating the intricate financial landscape and providing valuable insights to clients. He explains the key factor behind such an impressive portfolio, “An innovative mindset, coupled with customer empathy, is foundational for a successful FinTech product manager. This combination allows one to deeply understand customer needs and respond with products that align with market demands.”

Active participation in the development of transformative platforms is a hallmark of Josyula’s contributions. In a world that is gradually moving to digital payment and finance management tools his involvement in shaping platforms like Zelle, FedNow, SWIFT, and ISO20022 underlines his commitment to advancing faster payment systems in the United States. Josyula also has 2 patents in progress one inUK and another one in India.

Throughout his career, Josyula has managed diverse product portfolios with a sharp focus on innovation and market relevance. At the time when AI generated threats are real and imminent Effective risk management, coupled with digital KYC, ensures regulatory compliance, builds customer trust, and safeguards financial institutions against emerging threats. AI-based initiatives for Digital KYC, Fraud, and Risk Management toolsdeveloped by Josyula showcase his innovative mindset. He has also published an insightful research paper which provides comprehensive analysis of enhancing fraud detection in fintech by combining machine learning techniques, leveraging behavioural analytics, and adopting RegTech solutions.

His roles as a Principal Consultant for Cognizant Technology Solutions and as a Senior Product Analyst for US Bank have been marked by significant achievements. Flagship projects like Real-Time Payments in the USA (Zelle, FedNow, SWIFT, ISO 20022) and Capital Markets Global Liquidity Risk Platform and Regulatory Compliance tools.

Beyond product management, Josyula’s expertise extends to areas like FinTech, digital transformation, customer delight, regulatory compliance solutions, and large-scale mergers and acquisitions (M&A) support. His contributions as a Product Owner/Functional Consultant at UPS have been instrumental in key initiatives such as GTS Digital Transformation, Business Automation Workflows, and Data Integrity. He is also a Mentor on, a platform where he helps other professionals and learners to get the best knowledge about emerging technologies.

Josyula’s academic background includes an MBA in Finance and Information Systems from Suffolk University, Boston, MA, USA, a PG Diploma in Operations Management from Symbiosis Institute of Management Studies, Pune, India, and Masters and Bachelors degrees in Sciences from Andhra University and Nagarjuna University in India, respectively. He has other industry standard certifications like ITIL, SAFe Agile PM/PO, Celonis Process Mining etc

Hari Prasad Josyula’s journey in FinTech and product management is a testament to his continuous growth and significant contributions to the financial technology landscape. His experiences serve as a valuable example for professionals seeking to make meaningful impacts in the field, showcasing the importance of innovation, expertise, and commitment to best practices in shaping the future of FinTech.


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