ShubhanshuGupta
VP, Product Management · Citibank · NUS Alum · 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.
30% transfer cost reduction · $1.2M incremental revenue · 5 corridors live
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.
Patent holder · AI/ML CoE Technical Lead · POCs across Wealth & Data Governance
Digital Product & HNI Growth
Led data-driven optimisation of digital customer experience across Citi's APAC & EMEA markets. Designed an Offer Orchestration framework using A/B testing and user research to surface personalised offers — driving HNI acquisition across Singapore, Hong Kong, and the UAE.
10% product uptake increase · $2M+ incremental sales · 500K+ mobile app users
Regulatory Product Design
Leading ISO 20022 migration (MT→MX) across Asia and the multi-region Global Fund Transfer Transparency (GFTT) implementation across Asia, EMEA, and NAM — translating complex regulatory requirements into compliant, operationally stable payment systems.
ISO 20022 Asia Lead · GFTT Global Lead · 5+ global teams coordinated
Employer
Citibank
Title
Vice President, Product Management
Focus
Payments · Deposits
Scope
Asia · EMEA · NAM
Based in
Singapore
02 · Side Projects
Products born from genuine gaps.
Built AI-native, from day one.
Each project here started with a real problem, was scoped with full product rigour, and was built AI-native from the ground up. Feelfit reached 200+ users and ~$8K SGD in monthly recurring revenue within months of launch. Stablecoin Atlas is becoming the definitive intelligence layer for anyone serious about the stablecoin economy. These are not experiments — they are products with adoption, revenue, and real-world impact.
Feelfit
“What started as a WhatsApp group became a product with 200 users, ~600 classes, and 5,000 student enrolments — in six months.”
The problem
A fitness instructor managing bookings through WhatsApp voice notes and Excel sheets. Students dropping out because payments were a mess. Waitlists were manual. No way to know who'd actually show up. This was the real world — and it needed a real product.
What it became
Feelfit is a full-featured fitness class platform — think ClassPass, but built for independent instructors. Real-time slot booking, FIFO waitlists, PayNow-integrated payment packages (8, 12, or Unlimited classes), WhatsApp notifications, an instructor dashboard, and a student portal. Built in months. Used every week.
~200
Active users
~600
Classes hosted
5,000+
Student enrolments
~$8K SGD
Monthly recurring revenue
Product decision spotlight
// 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."
Stablecoin Atlas
“One platform to learn, track, discover careers, and understand the stablecoin economy.”
The gap I saw
Stablecoins were growing fast — but there was no single, trustworthy resource for someone who wanted to actually understand the space. Not a news aggregator. Not a price ticker. Something that could teach you the regulatory landscape, show you real market data, help you find a job in the industry, and make sense of what MiCA or the GENIUS Act actually means for the products people are building. So I built it.
What Stablecoin Atlas is
- →Bloomberg-lite market dashboard · live supply data via DeFiLlama API
- →Learning hub · 4-stage curriculum from Beginner to Expert
- →Regulatory tracker · MAS, MiCA, GENIUS Act, FCA, HKMA
- →Entity pages · structured directory of issuers, custodians, protocols
- →Careers hub · roles, job aggregation, pathway maps
- →Weekly newsletter · published on Substack + Beehiiv
Newsletter
📰 Read the Stablecoin Atlas Weekly
The newsletter that tracks regulation, market moves, and what's being built in stablecoin.
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."
Phases
Phase 1 live · Phase 2 in build · Phase 3 planned
Built with
Antigravity
Open for select work
Any industry. Any problem.
I bring structured problem-solving, product rigour, and a track record of shipping — across industries, not just fintech. The pattern holds whether the domain is payments, hospitality, fitness, or content.
- →Starting a restaurant, gym, or turf — is the location, pricing, and audience right for you?
- →Want to grow your online presence and reach a wider audience but don’t know where to start?
- →Running a small business and wondering which part to digitise first?
- →Building a new product and unsure if the problem is real or the market is large enough?
- →Need to validate a new business idea before you invest time and money into it?
- →Looking for a clear, executable plan — not just another consultant’s slide deck?
Bring the problem statement. I'll get you the solution. Let's build something together.
03 · Research & IP
Research, patents &
intellectual output
A USPTO patent, two peer-reviewed publications at international conferences, and a track record of turning research into shipped product.
Machine Learning Modeling to Identify Sensitive Data
USPTO · US-20260119715-A1 · Also filed in Singapore
Filed as lead inventor while leading the AI/ML Centre of Excellence at Citibank. Covers a probabilistic ML + NLP-based framework for detecting and classifying PII sensitivity in enterprise data pipelines. The patented system is currently expanding across all Citi markets worldwide, integrating seamlessly into Citi's data pipelines to uphold data governance and integrity.
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.
1
USPTO patent
2
Peer-reviewed papers
2
International conferences
9+
Years of PM experience
Speaking & Teaching
Navigating Autonomy at the Workplace
YouTube playlist
A candid conversation on professional life — specifically on how to operate with autonomy, own decisions, and maintain direction in large organisations. Originally recorded as part of a blog feature.
Natural Language Processing in Machine Learning
Recorded talk · YouTube
A deep-dive talk on Natural Language Processing techniques in machine learning — covering practical approaches, model selection, and real-world applications in data-driven products.
04 · Writing
Writing — across product,
payments, and everything in between
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 — turning a library corner into a classroom for 8–10 year olds who'd never written a line of code. Teaching is how I think: if I can't explain it simply, I don't understand it well enough.
Mentoring
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.
Books
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.
Food & Travel
Singapore-based, frequently across Asia. An appreciation for craft food culture led to one particularly memorable soufflé cheesecake in Osaka — the kind that only that specific counter, in that specific basement, does. Food is how I understand places. Not restaurants so much as the specific thing a city has decided to be very serious about.
06 · 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.