Harman Singh

I build products
in BFSI and FinTech.

My work spans banks, lenders and fintechs: API and platform products, lending and account opening, in India, Saudi Arabia and the United States.

Markets I’ve built for

Key projects

API platforms, banking journeys and lending products across India, the United States and Saudi Arabia.

India

Vahana Hub

One place where banks and financial institutions find, test and connect to the APIs they need.

Identity checks, credit data, payments and more, from many providers, through a single integration.

Explore the project
20+0+
banks and financial institutions using the platform
2,000+0+
APIs from 70+ providers
50M+0M+
API requests a year

United States

Digital account opening for individuals and businesses

A digital account-opening experience for US banks and credit unions, covering individual accounts and business applications with multiple owners.

Brings the application, identity and business checks, and staff review into one connected journey, including a way to resolve issues and continue.

Explore the project
410
account-opening journeys at US banks, credit unions and digital banks benchmarked
50
business entity types covered
110
US deposit compliance requirements mapped to screens

United States

A digital mortgage journey for a US credit union

A mortgage experience connecting borrower applications with credit assessment and loan-officer review.

Covers pre-qualification, document collection and underwriting, with an integration plan for the services behind the journey.

Explore the project
880
credit-policy rules defined for the journey
370
API contracts prepared for engineering hand-off

Saudi Arabia

Launching Vahana Hub in Saudi Arabia

A branded API platform deployed on a Saudi lender’s own infrastructure to connect its lending systems with external services.

The engagement brought together platform setup, provider integrations, client dependencies and security-assessment requirements.

Explore the project
3 months0 months
to launch the client-branded platform
2570
provider APIs tracked through integration

Saudi Arabia

Solutioning five Sharia-compliant financing journeys

Turning lending journeys and credit-policy requirements into the service checks and test scenarios a Saudi finance company’s loan-origination system needed.

Covers the route from application to disbursement, including approvals, referrals and rejections, before every external provider is connected.

Explore the project
50
financing journeys covered
5,000+0+
test responses built, so the journeys could be tested before provider services were connected

AI-led personal projects

Products I scoped and built with AI tools, from a doctor’s prescription workflow to this portfolio.

RxAssist

A prescription assistant for a doctor in solo practice, built around the consultation and the doctor’s own prescription-pad layout.

Creates prescription PDFs and offers a separate AI cross-check for the doctor to review.

AI used
Claude CodeLLM API
Built with
ReactFastAPISQLite
Read the project

This portfolio

A professional portfolio I scoped, designed and built with AI tools to make my work easier to understand and explore.

From the information structure and visual direction to implementation, independent reviews and publishing.

AI used
Claude CodeClaude DesignCodex
Built with
Next.jsTailwind CSSMotionVercel
Read the project

Experience

Where I have worked so far.

20222023202420252026
Summer Intern · Jun to Jul 2022
Data Analyst Intern · May to Jul 2023
B.Tech, Biotechnology · Graduated 2024
Product Support Representative · Jan to Jul 2024 · Capstone · PPO accepted
Product Analyst · Jul 2024 to now
  1. Product Analyst

    Decimal Technologies · Gurgaon

    Jul 2024 to now

    • Banks and lenders needed one place to find and run APIs. My title is Product Analyst and I wear the product manager’s hat for Vahana Hub, deciding what each release includes and what waits; it is used by 20+ banks and financial institutions with 50M+ API requests a year.
    • Technical buyers needed answers before they would buy. I wrote RFP responses and proposals for 15+ banks, NBFCs, insurers and fund houses, contributing to ~INR 2.5 to 3 Cr ARR.
    • Our first Saudi client wanted the platform on its own servers. I managed the launch within a 3-month sprint, and every SAMA API security requirement closed.
  2. Product Support Representative

    Decimal Technologies · Gurgaon

    Jan to Jul 2024 · Capstone · PPO accepted

    • Six-month capstone internship. I collaborated with the product team on CASA and lending use cases for Vahana Cloud, giving the bank use cases a product view.
    • Accepted a pre-placement offer during the capstone, which became my full-time Product Analyst role in July 2024.
  3. B.Tech, Biotechnology

    Vellore Institute of Technology

    Graduated in 2024
  4. Data Analyst Intern

    Decimal Technologies · Gurgaon

    May to Jul 2023

    • A bank’s incentive payout calculation needed fixing. I worked with the analytics team on ETL pipelines and PL/pgSQL logic, part of a rework that improved calculation by 5%.
  5. Summer Intern

    Pfizer Healthcare India · Visakhapatnam

    Jun to Jul 2022

    • Supported quality control in a regulated pharmaceutical plant, working to SOPs.

Skills

What I bring to a product team, grouped around the work I do.

Harman Singh

Testimonials

Ashok NairDirector - Strategic Accounts & Relationships at MANNJAL
A dedicated professional who will always put the client first and never shies away from taking responsibility
Akshara BramhechaPartnerships at Setu by PineLabs | Ex - IDfy | Ex - SwitchMyLoan.in | Ex - Data Sutram
Harman is a highly reliable and professional individual whom I had the pleasure of working with on a client project. He is extremely quick to respond, consistently supportive, and always willing to help, which made collaboration smooth and efficient. Harman approaches his work with a strong sense of responsibility and attention to detail, ensuring that client needs are understood and addressed promptly. His positive attitude, clear communication, and problem-solving mindset make him a valuable team member and a trusted point of contact for clients. I confidently recommend Harman, as he consistently delivers his best and can be relied upon to add value to any project or team.
Navin kumarPre-sales | RFP | Gen AI | BFSI | Technical selling | SaaS | Digital lending | Enterprise Sales
A yong Champ who talks common sense and owns up responsibility. I will believe in him if he says he is going to deliver despite odds.
Amlan LahonSenior Video Editor & Graphic Designer at SocialChaat
Harman was an integral part of the Video Editing/Making team in our chapter, the Society for Biological Engineering(SBE). He is very capable of brainstorming new and creative ideas to showcase information in the most concise and appealing manner. He was always willing to put in the hours and helped me throughout my term as the Design Head of SBE. He is the hardest worker in the room, doing every task you may imagine, with gratitude and respect in his face. I can vouch for his abilities and wish him all the best in his future endeavors.
Rajan ChopraCo-founder of Grimbyte Technologies · Tech video creator at Retrofit Media
Harman consistently produced outstanding results and showed great attention to detail. He is an exceptional team player who has an incredible work ethic. His creativity and technical abilities were also impressive, making him a valuable asset to our team. I highly recommend him and have no doubt that he will make a positive impact on any organization he joins.
Harshavardini SureshkumarMSc. Biomedical Neuroscience graduate from TU Munich
Harman is one of those people who loves to constantly improve and keep himself up to date. Not only is he talented and punctual in submitting his projects, he always looked for opportunities to better himself. He also gets along with others and has a very approachable aura which makes him a great team member.

Swipe for more → 6 recommendations

Moments

The people, launches and good days behind the work.

Kudos for Business Excellence, FY26, with Lalit Mehta, Co-founder and CEO of Decimal Technologies
AchievementKudos for Business Excellence, FY26, with Lalit Mehta, Co-founder and CEO of Decimal Technologies
Early Vahana Hub ideas on the whiteboard
IdeationEarly Vahana Hub ideas on the whiteboard
With our partners at the Vahana Hub launch, July 2025
PartnershipWith our partners at the Vahana Hub launch, July 2025
With Mrutyunjay Mahapatra, board member of the Reserve Bank Innovation Hub and former MD and CEO of Syndicate Bank, chief guest at the Vahana Hub launch, 1 July 2025
VisitWith Mrutyunjay Mahapatra, board member of the Reserve Bank Innovation Hub and former MD and CEO of Syndicate Bank, chief guest at the Vahana Hub launch, 1 July 2025
Launching Vahana Hub internally with our sales team
LaunchLaunching Vahana Hub internally with our sales team
Selected for Leaders of Tomorrow, here with Prof. Sunil Handa of IIM Ahmedabad, August 2025
ProgrammeSelected for Leaders of Tomorrow, here with Prof. Sunil Handa of IIM Ahmedabad, August 2025
Kudos for Delivery Excellence, Q3 FY25, from K V Yasas, President of Sales at Decimal Technologies
AchievementKudos for Delivery Excellence, Q3 FY25, from K V Yasas, President of Sales at Decimal Technologies
Sprint review day. Our chief architect brings a quote to every review.
Sprint reviewSprint review day. Our chief architect brings a quote to every review.
My Vahana Hub dev team
TeamMy Vahana Hub dev team

About

My path to product management.

I studied biotechnology and spent a summer supporting quality control at Pfizer. I moved into data and then product at Decimal Technologies, where I wear the product manager’s hat for Vahana Hub, managed its first Saudi launch and scope banking products for the US. Next, I want to work on consumer products.

Product is my core, and I enjoy the work around it as much: I have run partnerships, worked in pre-sales, managed clients and deliveries, and run product operations.

Based in
Gurgaon, India
Role
Product Analyst
Markets
India, Saudi Arabia, United States
Life after work: where my time goesGuitarMusicCoffeeGaming
A round café sign that reads javaphile, (n) someone who loves coffee

Spotted on a café sign. I took it personally.

ja·va·phile · noun

Someone who loves coffee.

Get in touch.

Building something in FinTech, banking or consumer products? I’d like to hear about it.

Email meLinkedIn →Resume (PDF)