ShubhanshuGupta
VP, Product Management · Citibank · Singapore
I don't just spec products. I ship them.
At Citi, I run payments product across Asia, EMEA, and NAM — cross-border rails, AI-layered experiences, and the unglamorous governance work that actually gets things live. Outside Citi, I build AI-first fintech products from scratch, with real users and, in some cases, real MRR.
01 · Professional
Payments at scale,
across three regions
As VP, Product Management at Citibank, I lead payments product across Asia Retail & Private Banking — responsible for conceptualisation, customer experience, governance approvals, and final delivery. The scope spans Asia, EMEA, and NAM.
Cross-border Payments
End-to-end product ownership of cross-border payment rails spanning Asia Retail & Private Banking, with scope extending to EMEA and NAM. From concept through governance to live delivery.
AI Use Cases in Payments
Defining the product layer for AI in cross-border flows — intent capture, corridor optimisation, execution intelligence. Translating model capabilities into regulated, customer-ready experiences.
Regulatory Product Design
Navigating multi-jurisdictional frameworks (MAS, FCA, RBI, OCC) as a design input, not an afterthought. Building compliance into the product architecture from the start.
Internal Thought Leadership
Driving visibility for payments and deposits strategy across business lines through structured internal communications and cross-functional stakeholder alignment.
Payment Concierge
An AI-layered approach to cross-border payments spanning three layers: intent capture (understanding what the customer actually needs), corridor optimisation (selecting the best route given cost, speed, and regulatory fit), and execution intelligence (guiding the transaction to completion with minimal friction). Built to meet regulators where they are — deterministic where required, AI-assisted where it adds genuine value.
Employer
Citibank
Title
Vice President, Product Management
Focus
Payments · Deposits
Scope
Asia · EMEA · NAM
Based in
Singapore
02 · Side Projects
Building with the
same rigour as my day job
Every project here starts with a real problem, a proper PRD, and a clear user in mind. I work with a development partner (Antigravity) to ship what I specify — then iterate based on what actually happens.
Stablecoin Atlas
A regulated-first stablecoin intelligence portal — built for the compliance professionals, fintech PMs, and curious learners navigating this space. Learn, track, discover careers, and execute real stablecoin use cases by corridor.
What was built
- →Learning hub · 4-stage progressive curriculum (Beginner → Expert)
- →Market dashboard · Live stablecoin supply data via DeFiLlama API
- →Newsletter · Beehiiv integration · 4-email welcome sequence · weekly digest
- →Entity pages · Phase 2 — structured directory with SEO-first strategy
- →Careers hub · Role maps, job aggregation, submission pipeline
- →Regulatory tracker · MAS · MiCA · GENIUS Act · FCA · HKMA
Product decision spotlight
// From: Entity Pages PRD · Phase 2
"We sequenced entity pages before the comparison tool — not because one matters more, but because you cannot compare data you haven't structured. The data model had to come first. The comparison tool is a thin layer on top of what entity pages will already have built."
// From: Growth Engine doc
"Every feature considered against one question: does this give someone a reason to return tomorrow? Live data does. A static page doesn't. Entity pages create the data model. The dashboard creates the daily habit."
PRD depth
5+ versioned documents
Phases
Phase 1 live · Phase 2 in build · Phase 3 planned
Built with
Antigravity
Feelfit
A fitness class booking and payment management platform. Real instructors, real students, real recurring revenue. Replaces entirely manual WhatsApp and Excel workflows with a proper product system.
What was built
- →Reservation system · Slot booking, FIFO waitlists, auto-promotion on cancellation
- →Payment packages · 8 · 12 · Unlimited class packages with billing-cycle alignment
- →Flexible billing · Multi-duration packages spanning billing cycle boundaries
- →Instructor dashboard · Attendance marking, package approval, PayNow screenshot flow
- →Student dashboard · Package status, booking history, payment reminders
- →Auth & onboarding · Google OAuth · Magic link · instructor approval gating
Product decision spotlight
// From: Flexible Packages PRD v2
"Multi-month packages are a strict superset of the existing monthly system — additive, not disruptive. A multi-month package is a single row with a longer expires_at. No existing triggers, RLS policies, or booking-eligibility RPCs needed modification. One migration. Clean."
// From: Payment Package System PRD
"Credits are deducted only when the instructor marks attendance — not when the student books. This shifts the trust model: the instructor becomes the source of truth, and students are never penalised for a class they didn't actually attend."
Status
Live · Monthly recurring revenue
PRD depth
3+ versioned documents
Built with
Antigravity · Supabase
I'm selectively open to advising or building. If you have a pain point in fintech, payments, or AI-first products and want a PM who ships — reach out.
03 · Research & IP
Ideas that made it
to peer review
A patent, two peer-reviewed publications, and a body of applied AI teaching work. The technical foundation that informs how I think about product.
Machine Learning Tool for Financial Data Analysis
USPTO Application #17476388 · Also filed in Singapore
Filed as lead inventor while leading the AI/ML Centre of Excellence at Citibank. The patent covers an ML-based approach to financial data pattern detection and anomaly identification.
Music Data Analysis: A State-of-the-art Survey
ASE BigData Conference · Harvard University
Presented at the ASE International Conference on Big Data at Harvard. A comprehensive survey of machine learning approaches applied to music data analysis.
Social Data Analysis: A Study on Friends Rating Influence
WWC Connect 2017 · VMware India
Peer-reviewed paper selected for presentation at WWC Connect 2017. Examines how social graph connections influence rating behaviour in consumer platforms.
AI Prototyping for Product Managers
YouTube · shubhanshugupta.com/ai-prototyping
A series on using AI tools for rapid hypothesis validation — covering data visualisation, prototyping, and the PM's role in AI product development.
1
Patent filed
2
Peer-reviewed papers
2
International conferences
9+
Years of PM experience
04 · Writing
Thinking in public
Essays, guides, and notes across product, AI, payments, and the things I'm curious about. The Stablecoin Atlas newsletter is where I write most consistently on fintech — everything else lives here.
Recent posts
05 · Beyond the work
There's a person
behind the PM
I grew up curious about how things work — systems, people, ideas. That curiosity drives everything: the products I build, the classes I teach, the places I go to eat.
Teaching
Volunteer tutor with Code in the Community (Saturday Kids × Google). Founded and ran my own computer science Scratch bootcamp. Teaching is how I think — explaining something clearly is the test of whether I actually understand it.
About the bootcampMentoring
I mentor students and early-career professionals on career progression, university applications, life in Singapore, and transitioning into product. Open booking via Setmore — no cost, no agenda.
Book a sessionBooks
Currently reading across startup war stories, macroeconomics, and financial history. Recent reads include The Hard Thing About Hard Things and The Money Trap — both essential for anyone building or working inside financial infrastructure.
See my listFood & Travel
Singapore-based but frequently on the move across Asia. An appreciation for Japanese baking culture led to one particularly memorable souffle cheesecake in Osaka. Food is how I experience places — not restaurants so much as the specific thing a place does that nowhere else does.
Food notes06 · Open for ideas
Have an interesting
problem?
I'm selectively open to advising, collaborating, and in some cases building — particularly in fintech, regulated AI, and payments. If you're working on something at the intersection of these things and want a PM who ships, let's talk.