About Dan Ritchie

Who I am

Dan Ritchie

I am Head of Product at Snowdrop Solutions, a UK and Spain fintech doing transaction enrichment and banking intelligence, where I own both product lines. Quaggan is where I take on a small number of outside engagements.

When I took over, enrichment was a manual operation: teams of QA analysts doing data entry in spreadsheets. I rebuilt it as an automated engine, then used that foundation to ship a second product line, a banking intelligence platform that moved the company from being a data supplier to being an intelligence partner, and deepened the accounts we already had.

The work has never been one thing. Native Android and consumer apps, payment SDKs, platform architecture, and the data products underneath all of it. What carries across is deciding what a product should do next and being able to show why. That is the same job whether the thing you are building is an app, an API or a platform.

Background

The route here.

Before Snowdrop: product management at Rezolve AI on a mobile SDK that turns consumer devices into transaction endpoints. Product at Sync. Money, working directly with the CEO of a neo-bank startup. Product ownership at Ciklum on a travel card build for Thomas Cook. Business analysis at Barclays on a SaaS financial planning platform for Barclays Wealth.

Before that, four years as an insurance fraud investigator: interviewing claimants and witnesses, pulling records, writing the analytical reports adjusters made decisions on, and presenting findings at legal hearings. And before that, eight years in sales and sales management.

Neither is a standard line on a product CV. Between them they are why I am comfortable in fraud and risk products, why I write conclusions that hold up when someone hostile reads them closely, and why I can sit on the commercial side of a product conversation rather than only the build side.

Now

Head of Product, Snowdrop Solutions

Transaction enrichment and banking intelligence. Took the first product from manual to automated, then shipped a second on top of it.

2022

Product Manager, Rezolve AI

Mobile SDK turning consumer devices into transaction endpoints. Two development teams.

2019

Product Manager, Sync. Money

Neo-bank startup. Product vision with the CEO, measured on acquisition, retention and monetisation.

2017

Business Analyst, Barclays

SaaS financial planning platform for Barclays Wealth, via FDM Group.

2011

Insurance Fraud Investigator, SAIF

Claims investigation, analytical reporting, findings presented at legal hearings.

Pre-2011

Sales and sales management

Eight years carrying a number, then running teams that did. Direct sales, account management and regional leadership. It is why I am comfortable in a room where the product has to be argued for, not just built.

Principles

How I work.

Scope and fee agreed up front

Both are in the proposal before anything starts. A fixed fee wherever the outcome can be defined that way, which covers most of this work, and an hourly rate where it genuinely cannot.

A decision, not attendance

Every engagement changes what your team does next. I would rather do the thinking than sit in the meeting about the thinking.

A defined end

Every engagement finishes at handover, and your team can run with it without me.

Practical

The details.

Working hours: European and US time zones. Client sessions run in committed blocks agreed at the start of an engagement, not whatever is left at the end of a week.
Languages: English and Spanish, professional level in both.
Capacity: Where a project needs a specialist in design, engineering or research, I bring in people I have worked with before. That sits inside the agreed fee, not as an extra line on your invoice.
Contracting: Straightforward and handled per engagement. We cover the practicalities on the first call.
Availability: One engagement at a time, alongside my day job. If I am already running something, I will tell you when I am next free rather than take yours on top of it.
My employer: Aware of this work. It sits outside their market, and nothing crosses between the two.
Elsewhere: LinkedIn, or info@quaggan.com.
Education: MBA, Universidad de Alcalá. Finance, Portland State University. BCS Foundation Certificate in Business Analysis. PRINCE2.
Community: I organise a product management community where I am based.
Outside work: Music, chess, woodwork, and stand-up comedy, which is better preparation for a hostile stakeholder review than any framework I have read.

The short version.