Vaishali Singh

Product Manager

Pune, Maharashtra, India10 yrs experience

Most Likely To SwitchHighly Stable

Key Highlights

Over 10 years of experience in digital payments.
Led high-impact projects at Mastercard and Wells Fargo.
Expert in API-driven product development and compliance.

Stackforce AI infers this person is a Fintech expert specializing in digital payments and compliance.

Contact

Skills

Core Skills

Product ManagementProduct StrategyApi DevelopmentOpen BankingDigital Product ManagementProcess AutomationUser Experience DesignDigital Payments

Other Skills

A/B TestingAPI BankingAPI TestingAdobe PhotoshopAdobe SketchAgile MethodologiesAnalytical SkillsAtlassian SuiteAuthentication ProtocolsAuthentication SystemsBAINBrowser PaymentsBudgetsBusiness Relationship ManagementCard Payments

About

I'm a result oriented product manager with over ten years of experience driving innovation and digital transformation in global financial ecosystems. My focus is at the intersection of digital payments, compliance (PSD2, Open Banking), API-driven product development, and risk mitigation. I've led high-impact projects at industry leaders such as Mastercard, Wells Fargo, and NPCI. From implementing 3DS authentication systems and fraud prevention APIs at Mastercard to optimizing UPI-QR solutions in India, I bring a strategic perspective to product lifecycle management, user-centered design, and stakeholder alignment in agile environments. 💡 What sets me apart? Experience in developing scalable fraud and risk platforms Strong position in API integrations, SaaS models, and Open Banking Experience in various payment landscapes: RuPay, UPI, QR, debit cards Passion for financial inclusion and regulatory design I currently lead innovation in core payments at Mastercard and am excited to contribute to a global payments technology that is secure, inclusive, and future-proof. Contact me if you are interested in shaping the future of digital finance, need support with Open Banking compliance, or want to turn regulatory challenges into competitive advantages.

Experience

Mastercard

2 roles

Lead Technical Product Manager – Core Payments

Promoted

Apr 2025 – Present · 11 mos · Pune, Maharashtra, India · On-site

Led implementation of Authentication as SaaS API on MPGS for various card 3DS schemes.
Led implementation of Risk as SaaS API on MPGS for internal and external risk assessment.
Implemented solution for Transaction filtering for internal Risk Screening for rules such as Card Management, BIN Blocking, Suspect and Hot listed cards & Merchant monitoring

Product VisionCard PaymentsProduct StrategyRea PaymentsTransaction ProcessingSecure Authentication+9

Senior Technical Product Manager

Dec 2022 – Apr 2025 · 2 yrs 4 mos · Pune, Maharashtra, India · On-site

Understanding product requirements and devising feasible solutions using API and microservice architecture.
Led implementation of Compliance and Sanctions Project on MPGS for various card schemes.
Led implementation of Authentication Fraud & Risk Project on MPGS for various card schemes.
Created user journey maps for different personas and conducted competitive analyses.
Supervised Implementation of domestic and International Authentication schemes for internal and external authentication schemes such as UnionPay, Jaywan SecureNxt , mada etc

Technical DiscussionsProduct VisionTeamworkAnalytical SkillsProduct DevelopmentProduct Management+10

Cognizant

Product Team Lead

Oct 2021 – Dec 2022 · 1 yr 2 mos · India · On-site

Designed UPI implementation strategies for Central Bank of UAE, increasing digital payments
revenue by 35%.
Developed product roadmaps for DBTL and UPI solutions in the Philippines, optimizing customer
acquisition.
Consulted on Open Banking certification for a major US bank, enabling Third-Party Providers
(TPPs) to test and innovate on user data.
Ensured compliance with PSD2/FSXV.5 Open Banking API Standards for enhanced regulatory
adherence.
Devised solutions for product requirements using API and microservice architecture.
Implemented PSD2/FSXV.5 guidelines for Open Banking Standards for APIs.
Prioritized product backlog, wrote user stories, and reviewed customer feedback to devise GTM
strategies.

TeamworkAtlassian SuiteAnalytical SkillsTechnical DiscussionsProduct VisionProduct Strategy+11

Wells fargo

Digital Product Consultant at Wells Fargo

Jun 2020 – Oct 2021 · 1 yr 4 mos · Bengaluru, Karnataka, India · Hybrid

Automated corporate banking enrollments & entitlements, increasing revenue by 43.4% and improving customer retention by 15%.
Developed customized client reporting automation, enhancing commercial banking insights.
Identified gaps in exiting process improvement for User Module and devised a user journey road map
Enabled process creation and automation for Risk Management & Compliance.
Delivered remediated Desktop Deposit application for enhanced customer experiences.

TeamworkAtlassian SuiteTechnical DiscussionsAPI BankingCommercial BankingReal time Payments+10

Kotak mahindra bank

Product Manager

Sep 2018 – Jun 2020 · 1 yr 9 mos · Mumbai, Maharashtra, India

Enhanced operational excellence for DCMS by implementing Visa, Mastercard, RBI compliance thereby standardizing the debit switch.
Enhanced customer experiences for debit card and QR usage by implementing changes in Mobile banking app channel and Debit switch for user UPI journey.
Designed process flow documents, procedural guidelines, and FSDs.
Conducted feasibility studies highlighting risks, security, or compliance gaps.
Enhanced customer experiences for debit usage and security through innovative solutions, such as
CxM Marketing tool.

Atlassian SuiteTechnical DiscussionsProduct VisionTeamworkAnalytical SkillsAPI Testing+10

National payments corporation of india (npci)

Assistant Product Manager

Feb 2016 – Aug 2018 · 2 yrs 6 mos · Mumbai, Maharashtra, India · On-site

Managed RuPay Debit, UPI, and Bharat QR solutions, increasing QR-based transactions by 100%.
Partnered with Samsung Pay, PhonePe, and leading banks for UPI onboarding and innovation.
Conducted market research to enhance RuPay card issuance, activation, and usage.
Led initiatives to improve digital payment infrastructure, boosting daily QR transactions for major
banks

Technical DiscussionsProduct VisionAnalytical SkillsTableauProduct DevelopmentMarketing Campaign Management+6