Raj Sidhu

About

Product leader with 15+ years shipping trading platforms, capital markets infrastructure, and FinTech SaaS at scale. Leads product strategy and cross-functional teams across capital markets, decentralized finance, and AI engagements for Tier 1 banks and fintech innovators, with a focus on regulated-domain platform growth, market dynamics, user experience, and fast iteration. Experienced in building and mentoring product teams and delivering 0-to-1 SaaS and fintech platforms, including agentic AI backlog automation, subscription platform launches, and DeFi primitives and governance at Layer 1 protocols.

Experience

• Principal Product Manager · ION Group / Lab4903-01-2019 – 04-30-2026

  Led product strategy, business development, and a team of PMs/BAs across capital markets, decentralized finance, and AI engagements for Tier 1 banks and fintech innovators. Representative engagements: At the Federal Reserve Bank of New York Innovation Center, I led a data science team in researching stablecoin market dynamics → findings are shaping the Fed's risk stance on the $320B+ stablecoin market At T. Rowe Price: ● Designed and launched a subscription platform for financial advisors (Stripe + Salesforce integration) in 6 months — meeting corporate strategy for AUM growth via advisor channel ● Designed and built an Agentic AI backlog automation system to dynamically generate acceptance criteria and test cases → 15% fewer escaped defects, 40% PM efficiency gain ● Redesigned asset transfer flow (Envestnet, Pershing, DocuSign) → 80% reduction in processing time, measurable lift in customer satisfaction At Mortgage Capital Trading, a mortgage hedge advisory firm, led user-research and developed product vision, strategy and roadmap for mortgage pool trading platform → the new platform has 46% fewer transactional support calls, 25% increase in trader productivity, and won an industry award for innovation. Owned product strategy and roadmap at Hedera, a Layer 1 blockchain protocol. Led the design and development of DeFi primitives including liquidity pools with automated market makers, and on-chain governance via a custom DAO framework. Open source implementation contributed to doubling developer adoption of the protocol.

• Senior Product Owner · ION Group / Lab4902-01-2014 – 03-31-2019

  Shipped 0-to-1 fintech platforms for Tier 1 banks, NGOs, and crypto startups. Founded the firm's Data Strategy community of practice, building internal expertise in advanced analytics and low latency data engineering. Representative engagements: At Paxos, led full re-platforming of a leading crypto exchange leading to 5%+ uptime improvement, enhanced APIs, and support for institutional/algorithmic trading capabilities. Enabled Paxos to power cryptocurrency infrastructure for PayPal, IBKR, and Venmo, among others. At Common Securitization Solutions (now US FinTech), led requirements and delivery for a 0-to-1 mortgage securitization platform → now processes 75%+ of all US residential mortgage security issuance. At Fannie Mae: ● Built SMDU, a 0-to-1 SaaS platform enabling mortgage servicers to evaluate loss mitigation for delinquent borrowers → won industry innovation award. ● Delivered the DIV data integration observability platform → de-risked outsourcing of $300B+ in annual Single Family mortgage securitization volume, meeting Fannie's strategic plan.

• Senior Project Manager · Freddie Mac04-01-2002 – 02-28-2014

  ● Delivered Enterprise Decision Management Platform automating mortgage underwriting rules → 40% reduction in cycle time for rule edits. ● Led SOX IT General Controls remediation → resolved 100% of prioritized control deficiencies. ● Built analytics dashboards supporting real-time underwriting policy evaluation for Single Family mortgage book. ● Front-end Tech Lead for 0-to-1 SaaS platform for mortgage underwriting, pricing and sale to Freddie Mac → enabled smaller banks and mortgage companies to transact with Freddie Mac via a web interface.

Education

• Northwestern UniversityMSc, Predictive Analytics / Data Science
• University of Maryland University CollegeBSc, Mgmt Information Systems

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