Director of Product management
USA
INTERNATIONAL BEST RESEARCHER AWARD in Artificial intelligent/Machine learning/Generative AI
I am Prathap Raghavan, a seasoned technology and product leader with experience driving large-scale digital transformation across financial services, enterprise platforms, and AI-enabled automation. .I currently serve as Director of Product Management at Santander Consumer USA, where I lead digital strategy initiatives and end-to-end product delivery—from vision and roadmap definition to execution, deployment, and continuous optimization. I have focused on bridging deep technical expertise with strategic business vision to deliver high-impact solutions that improve operational efficiency, customer experience, and organizational scalability. My work ensures strong alignment between business objectives, regulatory requirements, and evolving customer needs. Under my leadership, complex systems integrating C#-based APIs, vendor platforms, and enterprise workflows have been successfully launched and scaled in production environments. My core areas of focus include intelligent automation, Generative AI integration, and enterprise-scale quality engineering. I bring hands-on expertise in applying Generative AI to modern testing practices, including integrating Playwright MCP with GitHub Copilot to create adaptive, self-healing test scripts. This approach has significantly accelerated automation efficiency, improved test resilience, and reduced maintenance overhead. Over the years, I have demonstrated strong technical versatility by mastering multiple development, automation, and AI-driven engineering technologies. I did research in AI-driven credit risk architecture, intelligent loan processing, and adaptive AI chatbots for financial banking focuses on translating advanced theoretical models into practical, compliant financial systems. I have designed end-to-end AI architectures that combine machine learning–based risk scoring, behavioral analytics, and explainable AI layers to support transparent and regulator-ready credit decisions. These models integrate historical transaction data, customer behavior patterns, and alternative data sources to improve prediction accuracy while maintaining interpretability. In intelligent loan processing, my work addresses automation across the full loan lifecycle, including application intake, document classification, underwriting recommendations, and post-disbursement monitoring. By combining natural language processing with AI-driven anomaly detection and rule-based controls, these systems reduce manual effort, shorten approval timelines, and ensure consistent risk evaluation. Strong emphasis is placed on model governance, bias mitigation, and auditability, enabling financial institutions to deploy AI responsibly. My research on adaptive AI chatbots for banking extends beyond static conversational systems. These chatbots use real-time behavioral analytics, contextual memory, and reinforcement learning to personalize interactions dynamically based on customer intent and financial profile. The result is more proactive customer engagement, improved self-service, and risk-aware guidance I have since expanded my research into LLM-based threat detection, explainable intrusion detection, and AI-powered data pipeline security, addressing critical challenges in cloud and big-data environments. In financial technology, I have authored original research on AI-driven credit risk architecture, intelligent loan processing, and adaptive AI chatbots for banking, bridging advanced theoretical models with real-world financial systems. My recent work on multimodal AI agents for financial document interpretation highlights innovation at the forefront of generative AI and enterprise automation. I envision a future where advanced technologies such as AI and machine learning are deeply embedded in product and software engineering to improve estimation accuracy, reduce delivery and operational risk, and enable more sustainable, scalable system design. By continuously investing in professional growth and actively engaging with the technology community, I strive to set higher standards for engineering excellence and innovation. My goal is to build intelligent, resilient products that not only advance the industry but also deliver long-term value to organizations and the people who depend on these systems.