Platform-led cost savings
FINTECH · PLATFORMS · APPLIED AI
Raviteja
Appana.
Product leader building intelligent financial systems that work at scale.
CURRENTLYSenior Product Manager · Goldman Sachs
BASED INDallas, Texas
0→1 EXPERIENCEApple Card launch team
AI TRAININGAdvanced AI Product Management
EXPERIENCE8+ years in fintech products
EDUCATIONMS · NYU
OPERATING PRINCIPLE
“Make the complex understandable—then make it scalable.”
Apple Card launch experience
Minutes per case
PLATFORM STRATEGY ✳ AGENT EXPERIENCES ✳ APPLIED AI ✳ PAYMENTS ✳ SERVICE ORCHESTRATION ✳ CUSTOMER PRODUCTS ✳ PLATFORM STRATEGY ✳ AGENT EXPERIENCES ✳ APPLIED AI ✳ PAYMENTS ✳ SERVICE ORCHESTRATION ✳ CUSTOMER PRODUCTS ✳
SELECTED WORK
(APPLE CARD PORTFOLIO + INDEPENDENT AI PRODUCT)2017—202601
GOLDMAN SACHS × APPLE CARD / PRODUCT MANAGER / 2019–2021
↗Apple Card · 0→1 Launch
Building a new credit-card experience—and its native Apple Wallet servicing—from the ground up.
Joined Apple Card’s founding product organization and helped define core customer-service and dispute-management capabilities from concept through production. Owned product strategy and delivery for the self-service disputes experience in Apple Wallet, enabling customers to initiate and manage disputes natively. Automation and standardized decision logic improved straight-through processing and operational quality as the portfolio scaled.
0→1 LAUNCHNATIVE IN WALLET30% HIGHER STP5%→0.5% ERRORS
02
GOLDMAN SACHS × APPLE CARD / SENIOR PRODUCT MANAGER / 2022–NOW
↗Apple Card · Agent Platform
Transforming complex servicing operations into guided execution.
Designed and built multi-tenant enterprise platforms for Apple Card customer servicing and back-office operations—creating shared capabilities, configurable experiences, and standardized case management across multiple functions.
>50% LOWER CONTACT TIMEMULTI-TENANTENTERPRISE SCALE
03
GOLDMAN SACHS × APPLE CARD / MONEY MOVEMENT / CONTROLS
↗Financial Controls Platform
Closing a critical gap across disputes, ledger, and settlement.
After identifying a critical control gap across dispute systems, the general ledger, and Mastercard settlement, led the design of a systemic reconciliation capability with Finance, Engineering, and Operations—enabling near-real-time break detection and stronger financial controls.
~$6M LOSS IDENTIFIEDNEAR-REAL-TIME3-WAY RECONCILIATION
04
INDEPENDENT AI PRODUCT / AGENTIC AI / RAG
↗AI Decision Platform
Multi-agent intelligence for complex decisions.
Designed and built a working AI-native intake and decision platform that combines classification, adaptive questioning, evaluation, evidence generation, case routing, and quality measurement.VIEW LIVE PRODUCT ↗
5 SPECIALIST AGENTSLLM-AS-JUDGEN8N + SUPABASE
CASE STUDY / 04
HUMAN JUDGMENT+AGENTIC SYSTEMS
01CLASSIFY→
02QUESTION→
03EVALUATE→
04EVIDENCE→
05SUMMARIZE
Not another chatbot.
An AI-native decision platform with state, guardrails, grounded knowledge through RAG, adaptive routing, tool calling, and an LLM judge measuring accuracy, completeness, consistency, customer experience, and decision readiness.EXPLORE DISPUTEASSIST ↗
ABOUT
(HOW I WORK)05 / 06Strategy with enough technical depth to ship.
My experience includes a rare 0→1 chapter: joining Apple Card’s founding product organization, helping build core servicing and disputes capabilities from concept through launch, and then scaling enterprise platforms supporting a 20M+ customer card business.
Across 8+ years in fintech, I have built customer-facing financial products, internal platforms, payments integrations, and financial-control systems. Advanced AI Product Management training complements hands-on work designing multi-agent products with RAG, evaluation, orchestration, state, and guardrails.
I’m at my best when the problem crosses product, engineering, operations, data, finance, risk, and compliance—and the path forward is not obvious. I create clarity, align teams, and turn complex systems into measurable outcomes.
01Platform strategy↗
02Agent & internal tooling↗
03Service orchestration↗
04Applied AI & decision systems↗
05Payments infrastructure↗
06Risk & compliance↗
07Cross-functional leadership↗
08Data-informed product management↗
OPEN TO THE RIGHT NEXT OPPORTUNITY
Let's connect.
Open to senior product leadership opportunities across fintech platforms, payments, agent experiences, process automation, and applied AI.