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Hi, I'm Raz. I'm a senior product leader with 20+ years shipping SaaS in fintech, tax tech, insurtech, wealthtech, and EHS. I've worked with Fortune 500s and startups alike, from Charles Schwab and Avalara, to Pie Insurance and Taxwell.
These days I do things a little differently. I pair deep product craft with AI-native building by using Claude, Claude Code, Google, and Perplexity to prototype, architect, and ship real production systems alongside the strategy work. That means the roadmaps I hand you are pressure-tested against what's actually buildable today.
If you're a founder or product leader who needs deep product help that can move from whiteboard to pull request in the same day, let's talk.
I have significant experience with:
Founder-led startups launching new products trying to capture market share and establishing brand presence and reputation.
Pre-IPO (Series C/D) companies pushing for enterprise-level growth while establishing standardized practices and reliable delivery.
Post-IPO hyper-growth and hyper-scale companies expanding a product offering outside their comfort zone and tackling new opportunities to build share value.
Fortune 50 companies tackling paradigm-shifting innovations, exploring new territories, and taking new product and brand risks.
Brands ServeD
Brands ServeD
CONFERENCE AND Media APPEARANCES
CONFERENCE AND Media APPEARANCES
Raz Carcoana is a seasoned senior product leader specializing in SaaS across financial services, insurance, tax, and other regulated sectors β nationally and globally. Over 15+ years, he has designed and launched disruptive digital products at Charles Schwab, Avalara, Pie Insurance, EHS Insight, and Taxwell (Drake Software), built product organizations from zero, mentored PMs, and shipped features that moved NPS, retention, and revenue.The shift in how he works. Over the last year, Raz has gone from directing product to co-building it. He uses Claude, Claude Code, Google, and Perplexity as daily collaborators to research markets, validate concepts, architect systems, and ship production code. He's built and deployed real projects this way β Next.js applications on Vercel, GitHub-based development workflows with Codespaces, linted and CI-protected codebases, and live data-driven experiences β learning the engineering trade-offs firsthand rather than from a distance.Why it matters for the teams he works with. AI-native building collapses the distance between "idea" and "validated MVP" from months to days. Raz helps founders and product leaders use that compression honestly: faster discovery, sharper MVPs, realistic roadmaps, and go-to-market plans grounded in what modern tools actually make possible. Clients get a product partner who can sit in a strategy session in the morning and open a pull request in the afternoon.What Raz offers fractionally: market research and validation, MVP design and build, early-adopter interviews, GTM planning, revenue modeling, roadmap and pricing strategy, PM coaching, and AI-accelerated prototyping. Leadership principles: extreme ownership, alignment over agreement, clear and frequent communication, and positive-intentioned teams with shared purpose.
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