Aug 2024 – Dec 2024 · 4 mos

• Supported two stealth-mode startups in the consumer and construction domains as a fractional CTO.
• Defined early-stage technical architecture and product development strategy.
• Advised founding teams on technology choices, scalability considerations, and MVP planning.
• Mentored early Product, Engineering, Business & Sales teams and contributed to hiring roadmap and vendor assessments.
• Facilitated cross-functional alignment between product vision and technical execution.

Jul 2023 – Jul 2024 · 1 yr

• Co-owned & built the largest engineering organization at Zeta from Ground up & launched the most innovative Payment App (PayZapp) for 1.41 billion people, built on modern, cloud-native stack.
• Payzapp successfully expanded its user base to 10 million, achieving remarkably high retention rates within a year of launch. This rapid growth and user engagement have made it one of India's top-rated payment applications, with an impressive average rating of 4.6 stars across various platforms.
• Introduced payment options across cards, UPI, and PPI products, achieving the highest transaction success rates in the country.
• Developed an engineering culture that consistently fostered innovation, achieved high resiliency and astounding crash-free rates at the scale of consumer internet.
• Engineered a sophisticated, technological ecosystem encompassing hundreds of microservices and security measures, providing consumers with an extensive array of over 23 payment options.
• Implemented a range of features including authentication and authorization, registration and KYC, prepaid wallet management, tokenization, payment gateway integration, rewards programs, customer support (Help center) modules, referral systems, 20+ deep integrations with HDFC systems including Vision+ & FlexCube , UPI service & Fraud/Risk management.
• Zeta® is on a mission to make digital payments easy, inclusive and valuable for corporations, employees and merchants globally. Responsible for products revolve around the key idea that spending and receiving money should be easy, fast, and trouble-free.

Sep 2020 – Jun 2023 · 2 yrs 9 mos

• Zeta® is on a mission to make digital payments easy, inclusive and valuable for corporations, employees and merchants globally. Responsible for products revolve around the key idea that spending and receiving money should be easy, fast, and trouble-free.
• Lead & Manage digital led bank and payments offering initially targeted towards India’s Gen X, Y, Z and millennial audiences.
• Part of business unit which provisions strategic partnership between Zeta and a top 3 Indian private sector bank with the mission to build a digital bank completely from scratch.
• It shall serve the bank’s 25M+ consumers and drive growth to double the base to 50M+ in the next 5 years. To achieve this, we’ve reimagined banking completely from the ground up.

Jan 2017 – Sep 2020 · 3 yrs 8 mos · Bengaluru Area, India · On-site

• Owned the charter of Post-purchase experience, which involves understanding what customers expect after they buy a product or service. This includes timely delivery, accurate order fulfillment, and proactive customer service.
• Effective communication throughout the post-purchase phase is vital. This can involve providing clear instructions on how to use the product, updates about shipping, and quick responses to any inquiries or issues that arise. Communication should be consistent, helpful, and aligned with the brand’s voice.
• Built systems to address problems that can arise after a purchase:
• The capability to quickly and effectively resolve these issues is a core post-purchase skill. Includes handling returns, refunds, replacements, and troubleshooting support. Efficient issue resolution can significantly impact customer satisfaction and loyalty.
• Built gamification systems to address engagement & retention:
• Beyond resolving issues, enhancing the post-purchase experience involves engaging customers with meaningful content, offers, and incentives that encourage them to remain connected with the brand. Includes follow-up emails, loyalty programs, exclusive offers, or informative content about how to best use the product.
• Built systems which use analytics to track the effectiveness of post-purchase interactions and identify areas for improvement. This data-driven approach helps refine strategies to better meet customer needs and streamline operations.
• Invested to build chatbots for customer service.
• Delivered higher customer satisfaction, increased customer retention.

Jul 2015 – Jan 2017 · 1 yr 6 mos · Bengaluru Area, India

• Lead,Mentor & Manage Systems, Services & Platform Components constituting Accounting Engineering Vertical.
• Responsible for Financial Settlement, reconciliation.

May 2014 – Jun 2015 · 1 yr 1 mo · Bengaluru Area, India

• Responsible for Platform Engineering Components,Supply [Operator-Driver] Engineering Components, Payment Engineering Systems & Services including in house e-Wallet,PayTM,TPSL PG integrations.

Apr 2012 – Jan 2014 · 1 yr 9 mos

Oct 2010 – Apr 2012 · 1 yr 6 mos

Jul 2010 – Oct 2010 · 3 mos

Jan 2007 – Jul 2010 · 3 yrs 6 mos