Prashant Arya 0

Director of Product · Payments & Fintech · Visa

Prashant Arya

12 years. $100M+ in impact. Obsessed with what's next in fintech and AI.

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My Philosophy

I'm obsessed with what's possible when you think across disciplines. Great products emerge at the intersection of technology, human behavior, and real needs.

The best products dissolve the barrier between interface and human. Technology should be invisible, purposeful, and built for people.

In fintech and AI, the best is yet to come, and I am building towards it.

About

12 years obsessed
with what's possible
in fintech & AI

Over 12 years at Visa, Meta (Deloitte), and Wharton, I've led product strategy across fintech, enterprise technology, and social media, driving $100M+ in revenue and scaling products to millions of users across 12+ global markets.

I specialize in 0-to-1 product building, with deep expertise in payment rails, digital issuance, tokenization, money movement, BNPL, and card-not-present flows. Currently completing an MS in Artificial Intelligence at Georgia Tech, applying AI and LLMs to accelerate product experimentation and decision-making.

$100M+ Revenue Impact
12+ Years in Product
12+ Global Markets
0→1 Product Builder

Experience

The work so far

2024 – Present
  • Leading product strategy practice, advising C-level executives at issuers, acquirers, merchants, and fintechs on payments product growth
  • Generated $11M in new business across 10+ clients in real-time payments, digital issuance, and money movement
  • Designed the "Product Enablement Big Deals" program, securing $1M+ in annual bookings
  • Built experience-governance model aligning VP/SVP stakeholders across digital issuance, tokenization, and money movement
2021 – 2024
  • Launched the world's first cross-border BNPL capability, unlocking $40M in revenue
  • Orchestrated the world's first global Installments symbol across 9 markets, increasing consumer adoption by 70%
  • Established partnerships with major tech giants and fintechs, generating $30M+ in pilot order volume
  • Standardized design strategy across 12 markets with 84% YoY lift in conversion rate
2020 – 2021
  • Executed product, data, and cloud strategy for Social Media and Finance clients
  • Secured $150K budget to build a remote work collaboration platform in AR/VR
  • Managed 50+ app teams, migrating 300 apps, 200 databases, and 600 servers with 99.6% efficiency
  • Received 4 Applause Awards for outstanding delivery
2018 – 2020
  • Led 360 VR and Virtual World capability development from ideation to MVP
  • Designed Cloud Suitability/Placement tools and AWS financial tagging strategies for Fortune 50 financial services clients
  • Redesigned pharmaceutical supply chain, achieving 97.4% reduction in errors via CAPA plans
2016 – 2017
  • Provided engineering design consultation to 18 Wharton startups to launch their MVPs
  • Created customer profiles, conducted market research, and performed competitive analyses
2014 – 2015
  • Product engineering across the development cycle, from design and prototyping through testing and validation

Ventures & Leadership

Beyond the day job

tokensandrails.com ↗

Tokens & Rails

My free, vendor-neutral guide to how money actually moves. Payments explained from first principles, with interactive tools, a glossary, and a weekly newsletter.

Explore Tokens & Rails →
topmate.io ↗

Product Mentor

Mentoring aspiring and current product managers on career growth, interview prep, and product strategy.

Mentoring PMs at top companies & startups worldwide Book a session →
Grishin Robotics ↗

Venture Scout

Scouting Seed and Series A startups. Evaluating founding teams, market opportunity, and product-market fit.
Harvard Business Review ↗

Advisory Council

Contributing to HBR's Advisory Council since 2021, providing practitioner insights on product leadership and strategy.
Duolyfe & Ambria

Founder

Built ventures from scratch, including a medical device reducing urine disposal time by 80% in ICUs, with rights transferred to UPenn.

Education

Always a student

Georgia Institute of Technology

M.S. Artificial Intelligence

In Progress

University of Pennsylvania

M.S. Integrated Product Design

The Wharton School

Marketing, Entrepreneurship & Statistical Modeling

UC Berkeley, Haas

Finance & Financial Management

Quantic School of Business

MBA, Finance & Management

R.V. College of Engineering

B.E. Mechanical Engineering

Certifications

Stanford: UI/UX Design for AI Products AR/VR Design

Let's Connect

I'm always curious about new conversations in Payments, Fintech and AI.

Founders in fintech & AI Aspiring & senior PMs Investors & press
Email me LinkedIn Book a session

If you've come this far, I have a gift for you.