May 2018 – Sep 2021 · 3 yrs 4 mos · Gurugram, Haryana, India

• Managed a team working on Freecharge Wallet, KYC, Merchant Onboarding, Payments and Settlement Products. Key Initiatives & Launches
• 1. Upgrade Freecharge Wallet for Min KYC & Full KYC Offerings with changing regulatory requirements on PPI
• 2. Launched KYC methods for both Remote & At-Branch processes
• 3. Launched Agent App for Onboarding and Managing Subscription product for Merchants
• 4. Launched enhanced Fee Engine Module for Compliance and supporting various Commercial Models (Instrument-based, Channel-based, Amount Slabs-based, & Centralized control for Regulatory Fees)
• 5. Led Improvement efforts in Settlements, Rent Payments via Credit Card & Onboarding Product Flows.
• 6. Led efforts for changes in Merchant Product for Payment Aggregator License and launch of Merchant Loan + Current Account Product in partnership with Axis Bank

Mar 2017 – May 2018 · 1 yr 2 mos · Noida, Uttar Pradesh, India

• Launched Vending Machine Payments by repurposing & enhancing Offline Payment Product. Partnered with companies like NAYAX, Mobivend, Marico, Smartbox etc for enabling PaynVend & PaynCollect use cases.
• Enhanced Paytm QR product for Integrated setup for solving Cash Leakage & Reconciliation issues with QR+SMS confirmation flow. Worked with Alipay International team for this and scaling overall Offline Payment flows.

Nov 2015 – Feb 2017 · 1 yr 3 mos · Mumbai Metropolitan Region

• Part of Physical Merchants Product team managing JioMoney Merchant App. Owning API/SDK for JioMoney acceptance in other POS & EDC apps & EMI (Brand/OEM subvented & Regular Bank) offering for Merchants.
• Launched & Managed first 4 releases of e KYC based Merchant On-boarding app. Enabling field agents to on board ~20K Merchants/day.

Apr 2014 – Oct 2015 · 1 yr 6 mos · Bangalore

• Managed the mPOS product offering payPLUS. Enhanced capabilities to support customization for vertical specific flows on app & integration for payment acknowledgements. (Making it easier for Customer to get Merchants in Delivery, Insurance & other verticals).
• Intent based app to app payment capability helping 3rd Party Merchant apps to include Card Payment acceptance for integrated payment experience while keeping the complexity of interaction with Card Reader & handling Card data outside the scope of Merchant apps.

Aug 2008 – Jun 2012 · 3 yrs 10 mos · Bengaluru, Karnataka, India

• Worked on IP Header Compression on Serial Links for a short while. Later, was part of Product Development team contributing to Cisco's overall SmartGrid & IOT efforts.
• SmartGrid - Developed Protocol Converter (IEC 101 to IEC 104) for wider network access & Computation engine for use in Power Grid Monitoring systems for communicating Monitoring & Control data.
• Routing Protocol for Low Power & Lossy Networks (RPL): Developed a new Routing Protocol for use in Low-Power & Lossy Networks (LLNs). Networks characterized by thousands of constrained devices (constrained in power, memory, lossy links) deployed for various purposes (Sensors Networks/Smart Meters - Gas, Electric etc)
• Patent Filed & Issued in this domain
• Received acknowledgment in IETF RFC 6550 for feedback & comments in the development of Standard