Digital Product Leader · Dubai

Building products that make the complex feel simple.

I turn complex journeys into products customers love and businesses profit from. 12 years across payments, loyalty, e-commerce, fintech and retail.

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  • AmazonPrime India launch
  • AmazonUsed Store
  • AmazonHome Services
  • AmazonDelivery tracker, a world first
  • FlipkartFlipkart Plus
  • FlipkartBNPL for 10M+ customers
  • DarnaAldar ENBD Visa loyalty card
  • DarnaWallet and digital gift cards
  • Sun & SandsClick and collect
  • Sun & SandsEndless aisle
  • AldarDirect Debit
  • AldarInstant bank transfer
  • AldarPaid parking and digital permits
  • Pay PointMoney transfer at retail outlets
Proof

The numbers behind the work.

AED 1Bpayments portfolio, taken from 0% to 40% digital
10xloyalty members, from 100K to 1 million
4xmonthly app users, in just nine months
10M+active customers on a BNPL product I ran
1.7%bad debt, cut from 4%. Millions saved.
AED 45Mnew e-commerce revenue, every year
40K+loyalty credit cards issued in 10 months
AED 36Ma year from turning bookings into self-service
Try it

Hold to move the payments.

AED 1 billion a year in resident payments, almost all by cheque and card. Six months later, 40% of it ran on digital rails.

  • Direct Debit, live.
  • Instant bank transfer, live.
  • About 3% in card fees, gone.

Impact

Five outcomes I'm hired for.

01 · Customer experience

Customers come first. Always.

Fix what frustrates people, and the revenue and savings follow. Every product I build starts there.

  • NPS up 8% at Sun & Sands Sports, up 4 points at Flipkart
  • 400 bps fewer support contacts on the Darna app
  • 38% fewer "where's my order?" calls
  • 130 bps fewer post-checkout contacts at Amazon
02 · Revenue growth

Revenue that keeps coming.

  • AED 45M a year in new e-commerce revenue
  • AED 36M a year from self-service bookings
  • AED 10M in six months from parking and permits
03 · Cost savings

Costs that disappear.

  • Bad debt cut from 4% to 1.7%, saving millions of dollars
  • About 3% in card fees removed from every rerouted payment
  • AED 8M a year saved at Sun & Sands Sports
04 · Operational efficiency

Operations that run leaner.

  • 25,000 staff hours handed back every year
  • 720,000 minutes of manual work automated at Amazon
  • A key vendor deal closed 40% cheaper
05 · Digital transformation

Transformation that ships.

  • AED 1B of payments moved from paper to digital
  • Manual bookings turned into one-tap self-service
  • A legacy portal retired for Salesforce CRM
Industries

Five industries. One playbook.

New market, same discipline: find the friction, ship the fix, prove it in numbers.

Payments

Making money move faster, and for less.

From cash at a neighbourhood shop to Direct Debit in an app, I build payment journeys people trust.

  • AldarRun an AED 1B payments portfolio. Took it from zero to 40% digital in six months.
  • AldarLaunched Direct Debit and instant bank transfer, cutting about 3% in card fees per payment.
  • Pay Point IndiaBuilt a money transfer product that let people send money from their local retail outlet.
Work

Products, not just projects.

Aldar · Digital Product Lead2026 to now

A billion dirhams, moved onto digital rails.

Problem
Residents paid big recurring bills by cheque and card. Every payment cost fees and staff time.
What I did
Launched Direct Debit and instant bank transfer in the app, moved paid parking and permits in-app, and rebuilt case handling in Salesforce.
Result
40% digital in six months. 4x app users in nine. AED 10M in new revenue. 25,000 staff hours handed back a year.
Darna · Senior Product Manager2023 to 2026

From 100K to 1 million members.

Problem
A loyalty app with partners everywhere but too few reasons to come back.
What I did
Launched the Aldar ENBD Visa loyalty credit card in-app, digital gift cards and a wallet, and new earn and burn partners.
Result
10x the members. 40K+ cards in 10 months. +18% conversion, +32% engagement.
Sun & Sands Sports · Senior PM2022 to 2023

One store, every channel. AED 45M a year.

Problem
Shoppers wanted to buy online, in store or both, and kept calling to ask where orders were.
What I did
Launched click and collect and endless aisle, and built personal order tracking and notifications.
Result
AED 45M a year added. 38% fewer "where's my order?" calls. NPS up 8%. AED 8M a year saved.
Flipkart · Senior PM, Fintech2018 to 2022

Pay later for 10 million people, without the bad debt.

Problem
BNPL repayments were confusing, and missed payments were piling up.
What I did
Ran the BNPL product for 10M+ active customers: partial pay, push and pull repayments, and disputes. Launched Flipkart Plus.
Result
Bad debt cut from 4% to 1.7%, saving millions of dollars. Flipkart Plus doubled year on year. NPS up 4 points.
Amazon · PM, Advertising and CX2016 to 2018

Launching Prime in India, and a world first in delivery tracking.

Problem
A new market, a new membership, and customers who kept contacting Amazon after checkout to ask where their order was.
What I did
Core team for the Amazon Prime launch in India. Launched Amazon Used Store and Home Services. Shipped the in-app delivery progress tracker, with India the first Amazon marketplace in the world to get it. Automated ad notifications for North America.
Result
130 bps fewer post-checkout contacts. 720,000 minutes (8 FTEs) of manual work automated a year.
Dappled sunlight falling through a lattice canopy onto a limestone wall above still water
Approach

Strategy only counts when it ships.

  1. Start with the customer friction.

    Journey data, NPS and support contacts tell me which problems are worth solving. Features come second.

  2. Find the money in the journey.

    Every decision weighs adoption and experience against cost to serve, revenue, risk and compliance.

  3. Ship the self-serve path.

    The best support call is the one nobody needs to make.

  4. Lead from alignment through launch.

    Ten vendors, one launch date. I pick them, negotiate them and stay accountable through rollout.

AI in my work

AI is in my workflow, every day.

I run AI agents across the product lifecycle. They draft, I decide, and I review everything they produce.

Initiative
One brief with the goal and the numbers
Epics
Agents break it into epics
Stories
User stories with acceptance criteria
Design
First design drafts to react to
PRD
A PRD for every use case

Agents for the busywork.

Initiatives become epics, stories and first designs in minutes, so the team spends its time on decisions.

A PRD for each use case.

Written with AI, checked by me. No use case ships without one.

AI in the business too.

Real-time AI dashboards for the CEO and automated customer messages at Aldar.

Requirement turnaroundFrom days to minutes.

Journey

Twelve years, one direction.

  1. 2026 to nowAldarDigital Product Lead, Communities & Living
  2. 2023 to 2026AldarSenior PM, Loyalty & Payments (Darna)
  3. 2022 to 2023Sun & Sands SportsSenior PM, E-commerce Omni-channel
  4. 2018 to 2022FlipkartSenior PM, Fintech & Payments · Program Manager, CX
  5. 2016 to 2018AmazonPM, Advertising (North America) · Program Manager, CX: Prime India, Used Store, Home Services
  6. 2015 to 2016Pay Point IndiaProduct Owner, Payments: money transfer through retail outlets
  7. 2009 to 2013EarlierOm Titanates, Infosys
PMP®Project Management Institute, 2023
MBA, Global ManagementSP Jain School of Global Management, 2015
B.Tech, Electronics & CommunicationVellore Institute of Technology, 2009

Agile (SAFe, Scrum) · Jira · Figma · Salesforce · SFMC · Qualtrics · Firebase · GA · A/B testing · AI agents

Perspectives

Things I'm thinking about.

01

Loyalty beyond points.

Programmes people come back to because they are useful, relevant and easy. Points are only the start.

02

Payments that feel effortless.

Open Finance and account-to-account payments cut fees and friction. The hard part is making trust feel automatic.

03

AI in the product operating model.

AI speeds up discovery, documentation, decisions and delivery. A person stays accountable for every call.

Let's talk

Good products start with good conversations.

Hiring for a senior digital product leader? Tell me about the role.

Email pratikbarjatiya@gmail.com LinkedIn in/pratikbarjatiya CV Download PDF

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