I'm a product leader with 24 years of experience driving fintech innovation across digital banking platforms. As VP of Product Management at M2P Fintech, I led the re-architecture of a unified credit issuance platform spanning consumer cards, corporate cards, line of credit, and BNPL — and drove its rollout across India, Singapore, Oman, the Philippines, and Indonesia. Before M2P, I spent 11+ years at Temenos building wealth management, onboarding, and enterprise data products used by global banks. I care less about feature lists and more about whether the platform actually shortens the next launch.
Work
Below are some of my recent projects. Please request for the complete walkthrough of the locked projects.
01
Modular AI Chatbot Platform
Built a progression of chatbot implementations exploring how conversational AI evolves from basic prototypes to feature-rich systems with memory, tools, and database integration.
02
Podcast RAG System with Vector Search
Built a production-grade RAG system implementing automated podcast processing, vector embeddings, and semantic search to enable conversational Q&A over podcast content.
03
Voice Assistant with Persistent Memory
Built a phone-based AI voice assistant implementing conversation memory persistence to explore the technical challenges of stateful conversational AI systems.
04
AI Networking Assistant with Semantic Matching
Built an AI-powered professional networking system combining voice interaction, vector search, and automated call initiation to facilitate professional connections.
05
Autonomous Job Search AI Agent
Built an autonomous AI agent implementing multi-step agentic workflows for automated job search, content analysis, and personalized recommendations.
06
MCP Workspace Automation Agent
Built an autonomous AI agent using Model Context Protocol to connect Jira, Slack, and Notion, enabling natural language commands to execute multi-step workflows across productivity platforms.
Thoughts & Ideas
Notes from the trenches of fintech product — credit platforms, multi-country rollouts, and the unglamorous work behind digital banking.
From Spec to Spec Sheet: The PRD Habits That Actually Move Banks
BNPL Isn't a Feature — It's a Different Animal
What Five-Country Credit Rollouts Taught Me About Platform Design
Experience
24 years across fintech and digital banking — from credit cards and BNPL at M2P, to wealth management and onboarding at Temenos, with earlier stints at Cholamandalam, Polaris, HSBC, Infosys, and C-DAC.
A platform earns its keep when the next launch is faster than the last one — everything else is decoration.
Stack
The tools I rely on to define, ship, and roll out fintech platforms across multiple countries — from roadmap to regulator-ready release.
in short
24 years building credit, wealth, and digital banking platforms across M2P, Temenos, and Infosys
Prem skipped presentations and built real AI products. Want to know how?
Prem Sreenivasan Narayan was part of the March 2026 cohort at Curious PM, alongside 17 other talented participants.
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