Jan 2023 – Jan 2025 · 2 yrs · San Jose, California, United States

• Co-founded Kyber, a GenAI based operational workflow product that allows financial organizations to instantly draft, review and send complex regulatory notices. Kyber helps operational teams drive efficiencies through AI and workflow automation.

Dec 2021 – Jan 2023 · 1 yr 1 mo · Palo Alto, California, United States

• Lead product team responsible for improving and automating underwriting processes and purchase experience. Ensuring underwriting profitability, improved conversion rates and premium growth across multiple carriers while reducing loss potential. Lead product functions including instant policy issuance experience, risk prediction, underwriting platform & operational tools & fraud.

Apr 2020 – Dec 2021 · 1 yr 8 mos · San Francisco Bay Area

• Lead risk product team responsible for driving underwriting profitability and growth though improved risk segregation, accurate pricing, fraud mitigation and optimized purchase conversion across multiple product lines and customer segments. Built and scaled customer purchase experience, sourcing and synergizing risk data and ML models across multiple products to drive growth through affordable pricing & reduced loss ratios.

Oct 2018 – Apr 2020 · 1 yr 6 mos

• Product lead for Funds Now, PayPal's award winning program designed to provide instant funds access and other benefits to 5M high value SMB sellers globally. Lead product team responsible for driving growth & engagement for PayPal's SMB sellers globally by offering commercial products and benefits that drive selling efficiency and revenue growth.
• Also, lead the charter for driving growth & engagement for PayPal's 25M SMB's globally by building & scaling suite of PayPal products that drive selling efficiency and growth for small sellers.

Feb 2015 – Oct 2018 · 3 yrs 8 mos

• Lead PayPal’s largest funds availability initiative to improve access to wallet balance with the objective to drive higher fund usage while minimizing compliance and regulatory exposure due to KYC. Lead rapid experimentation and testing to scale improved balance access to ~25M SMB sellers.
• Built and scaled PayPal's dispute resolution customer experiences, operational workflows and seller and buyer protection policies to handle and automate billing related disputes across all US consumer and seller segments.

Jun 2011 – Feb 2015 · 3 yrs 8 mos

• Lead product for PayPal’s Seller and Buyer protections programs, associated customer dispute resolution experiences and the underlying operational workflow and risk management platform. Responsible for expanding protection coverage for sellers and buyers globally while managing protection losses and reducing dispute rates.

Dec 2009 – Jun 2011 · 1 yr 6 mos · Pune Area, India

• Part of payments and banking practice with focus on the European financial market and payments landscape. Led technology consulting engagements, product strategy and business analysis to help multiple EU banks enable newer payment methods like Bulk Payments, Swift and Sepa.
• Experienced in various payments types & schemes - Credit transfer, Direct Debits, Bulk Payments, Swift, Sepa etc.
• Consulting & Business development activities to support BU pipeline.

Aug 2006 – Aug 2008 · 2 yrs · Hyderabad, Telangana, India

• Part of the team that handled the policy printing system for a North American Insurance major. Worked on various types of non-life insurance products, policy/quote generation processes & on-line insurance quote generation.

Jul 2004 – Aug 2006 · 2 yrs 1 mo · Chennai, Tamil Nadu, India

• Worked on the Settlement and Clearing system for an Investment Banking Major. Was involved in development and enhancement of systems handling Netting, Settlement and Clearing and Straight Through Processing for the I-bank.