Cash Management & Payments Product Leadership
Harsh Thakkar
Senior Product Manager — Cash Management, Treasury & Payments
Senior Product Manager with 12+ years of experience across commercial banking, cash management, and payments in North America. I lead end-to-end development and delivery of treasury and payment solutions — Virtual Accounts, liquidity management, cash concentration, investment sweeps, domestic and cross-border payments, and merchant acquiring — from strategy and client discovery through commercialization and adoption.
Core Expertise
Twelve-plus years turning treasury and payments complexity into products that clients actually adopt.
Certifications
SAFe® 6 Product Owner / Product Manager (POPM)
August 2024
Certified Scrum Product Owner® (CSPO®)
August 2022
Certified Scrum Master® (CSM®)
August 2022
Featured Initiatives
A few of the treasury and payments products I've helped bring to market.
Fiserv · 2026 – Present
Leading enhancements to merchant acquiring solutions across Fiserv platforms, covering onboarding, payment processing, settlement, and reporting for merchants of every size.
BMO Commercial Bank · 2025 – 2026
Led product initiatives across ACH, wire, and cross-border payment rails for North American commercial banking clients, turning traditional payment capabilities into self-service digital journeys.
RBC Capital Markets · 2023 – 2024
Took Virtual Accounts Management and a suite of liquidity solutions from strategy through delivery for RBC's US Cash Management business, giving corporate treasurers a single, structured view of cash spread across a multi-entity organization.
Recent Insights
Notes on treasury, payments, and building products in commercial banking.
Virtual account structures let treasurers see cash across dozens of entities as one pool. That shift in visibility is changing how corporates think about liquidity.
Faster cross-border payments get the headlines. The product work that actually gets them there is slower, quieter, and mostly about reducing exceptions.