AMA: Former BILL Director, Product Management - Payments, Ruchi Aggarwal on Product Development Process

Yes, Product Ops is critical, especially in FinTech where money movement is involved. I like to involve them end-to-end: pre-launch for requirements and operational risks...

I triage scope changes based on impact: does the new info affect MVP success, expose a missed requirement, or can it wait post-launch? If it’s critical, I evaluate timeli...

For big launches, I run weekly “office hours” with support, Product Ops, engineering, and any ops partners (in FinTech, often legal/compliance). We review early metrics t...

I use a simple filter: if the problem is deterministic, rules-based, and predictable, traditional software is better. AI shines when there’s lots of data, high variabilit...

For betas, I start with clarity on the MVP and the segment it best serves. I choose customers with the strongest need- they feel the pain, are hungry to try an early solu...

The biggest misconception is believing AI will do everything for you- define the MVP, decide what to build, and evaluate itself. It won’t. You still need clear requiremen...

I look at build/buy/partner based on where we are, what outcome we need, and speed to market. Usually one option is easy to eliminate upfront. Then I compare the remainin...