Khushboo Leuva — Principal Product Manager

Principal Product Manager · Payments, Fraud, AI & Commerce

I build and scale global payments, fraud, and commerce platforms — now at the intersection of AI and product. 10+ years turning 0-to-1 ideas into $100M+ in revenue impact, with a patent-pending AI invention along the way.

By the numbers

$0M+
Revenue impact
87% → 0%
Auth rate lift
0+
Years in product
Patent pending
AI invention

About Me

A product leader at the seam of commerce and AI.

I'm a Principal Product Manager with 10+ years building and scaling global payments, fraud, checkout, marketplace, and omnichannel commerce platforms across B2B, B2C, and benefit payments. I've led AI/ML-powered decisioning and 0-to-1 launches, improving authorization performance and driving over $100M in revenue impact while scaling global eCommerce. Today I work at the intersection of commerce and applied AI — designing AI-native products with generative AI, agentic workflows, and responsible AI guardrails, and I'm a named inventor on a patent-pending method for privacy-preserving, AI-based emotional-stress detection. I care deeply about human-centric design, measurable outcomes, and building products that earn trust at scale. Whether it's real-time fraud scoring, federal benefit payments, or an agentic shopping assistant, I love taking ambiguous, complex problems from idea to launch.

Experience

Where I've shipped.

  1. Principal Product Manager · Walmart

    May 2024 – Present

    Lead product strategy for an AI/ML-powered fraud & risk platform across $500M+ in annual payment volume, lifting authorization rates from 87% to 92% with no added fraud losses. Launched SNAP/HSA/FSA benefit payments and a B2B omnichannel payments platform, driving $175M+ in incremental annual revenue.

  2. Global Product Manager · American Eagle Outfitters

    Oct 2017 – May 2024

    Led a 12-person product org through a multi-year global commerce transformation across North America, Europe, and APAC, growing eCommerce to 40% of total company revenue. Delivered a unified checkout (Apple Pay, PayPal, Afterpay) and scaled BOPIS/BOSS, generating $100M+ in incremental revenue.

  3. Business Systems Analyst · American Eagle Outfitters

    Jun 2013 – Sep 2017

    Owned the purchase and post-purchase funnel for the company's first digital transformation — mobile-first checkout, real-time inventory, and order tracking. Reduced cart abandonment from 74% to 66%, lifted CSAT from 82 to 87, and delivered $500K in annual savings.

Selected Projects

Work that moved the metric.

From real-time fraud platforms moving half a billion in volume to agentic AI side projects — a selection of work I've led from strategy through launch.

Enterprise Product Work

Walmart AI/ML Fraud & Risk Platform

Defined and led the product strategy for a real-time, AI/ML-powered fraud and risk platform supporting omnichannel checkout. Moved from static rules to transaction-level scoring with model-evaluation frameworks, guardrails, and risk governance, plus LLM-assisted rule authoring and triage.

$500M+ payment volumeAuth 87% → 92%No added fraud loss

Benefit Payments: SNAP, HSA & FSA

Owned vision, roadmap, and GTM for SNAP, HSA, and FSA payments across web and mobile. Solved complex split-tender and item-level eligibility within federal compliance requirements, expanding payment accessibility.

$76M incremental revenueFederal complianceWeb + Mobile

B2B Omnichannel Payments Platform

Led strategy and GTM for a B2B payments platform across web, stores, and mobile in one fiscal year. Introduced net-terms invoicing and buyer-approval workflows, unlocking a new enterprise segment.

$100M incremental salesNew enterprise segmentLaunched in 1 FY

“Local Finds” Marketplace (0→1)

Led 0-to-1 product development and commercialization of the Local Finds marketplace program, owning OKRs across revenue, seller participation, customer adoption, and liquidity.

$27M+ incremental revenue0→1 launchMarketplace liquidity

Global Checkout Transformation (AEO)

Owned end-to-end strategy for a unified, high-conversion checkout across North America, Europe, and APAC, integrating Apple Pay, PayPal, Afterpay, and localized methods with phased, experiment-driven rollout.

+10% revenue at launch3 regionsMicroservices architecture

Omnichannel & BOPIS / BOSS

Co-led the North American rollout of Buy Online Pick Up In Store and Buy Online Ship from Store across the U.S., Canada, and Mexico, building a scalable fulfillment model with real-time analytics.

Cancellations 8% → 3.5%$100M+ incremental revenue3 countries

AI Build Projects · 2025

Agentic Shopping Assistant

Built an agentic shopping assistant using Claude, n8n, and Airtable to automate product discovery, comparison, and cart creation — with tool-calling workflows, human approval before checkout, and an LLM-as-a-judge evaluation suite across 50+ scenarios.

Claude + n8n + AirtableHuman-in-the-loop50+ eval scenarios
View code

Expense-Risk Monitoring Prototype

Built a prototype combining deterministic rules with LLM-based classification, including a human-review queue, prompt-feedback loop, and guardrails, evaluated across 100+ labeled simulated transactions.

Rules + LLMGuardrails100+ labeled txns
View code

Multi-Provider Payment-Routing Sandbox

Built a sandbox comparing payment methods by authorization performance, cost, and provider availability, with fallback routing, exception handling, reconciliation checks, and human escalation, tested across 500+ simulated transactions.

Fallback routingReconciliation500+ simulated txns
View code

Leadership & Recognition

Patents, awards, and community.

Patent Pending

System and Method for Privacy-Preserving Detection and Mitigation of Emotional Stress Using AI-Based Text Analysis and Adaptive Feedback

Named inventor — patent filed, status pending.

Hackathon Judge & Mentor

Judge for Cal Hacks and the Opportunity Hackathon, and mentor to participating teams.

Awards

Eagles Elite (2021, 2023) — top 1% for payments & platform delivery · 1st Place, AEO Hackathon (2019) · Eagles High Five (2018) — payment modernization.

Community

Board Member — Open Field, Pittsburgh · Mentor — Women in Technology, AnitaB.org.

Education & Credentials

Executive Program in AI Product — MIT (2025) · MS, University of Findlay · BS, Cleveland State University. Certifications: Generative AI for PMs, Product Management (General Assembly), Management Analytics (Johns Hopkins), Strategic Business Analytics (ESSEC).

Skills & Tools

What I bring to the team.

Product Leadership

Product vision & strategyRoadmap & prioritizationProduct discoveryOKRs & metricsGTM strategyExperimentation & A/B testingPlatform & portfolio strategyExecutive stakeholder managementCross-functional leadershipAgile/Scrum

AI & Agentic Systems

Generative AIAI-native productsAgentic AI & AI agentsConversational AIHuman-in-the-loopLLM-as-a-judgePrompt engineeringRAGLLM evaluationGuardrails & AI governanceHallucination mitigationModel monitoring

Payments & Fraud

Global paymentsFraud & risk decisioningAuthorization optimizationCheckout3D SecureSplit-tender & eligibilityBenefit payments (SNAP/HSA/FSA)B2B net-terms invoicing

Commerce & Omnichannel

MarketplaceBOPIS / BOSSInternational expansionUnified checkoutMicroservices architecture

Tools

Clauden8nAirtableCursorReplitLovableSQLBigQueryTableauLookerAmplitudeFigmaNotionJiraConfluenceClauden8nAirtableCursorReplitLovableSQLBigQueryTableauLookerAmplitudeFigmaNotionJiraConfluence

Contact

Let's connect.