Aug 2018 – Aug 2020 · 2 yrs · Greater Jakarta Area, Indonesia

• Orchestrated the full lifecycle of product development, from the initial strategy and concept generation to execution, while guiding the technical roadmap and overseeing architectural designs.
• Lead cross-functional teams in Indonesia & India to engineer and launch high-quality, scalable lending solutions, including OVO Paylater, Kudo Kasbon, Grab Driver Lending, and SME Lending Platform, achieving excellence in execution and market adaptation.

Apr 2016 – Aug 2018 · 2 yrs 4 mos · Gurgaon, India

• Architected escrow platform to efficiently manage loan repayments into virtual accounts, automatically distributing funds between borrowers and lenders according to established repayment policies.
• Designed lending platform tailored for businesses, enabling them to secure instant loans through streamlined processes, including eKYC, automated underwriting, and Aadhaar esign integration.
• Developed the "Pay through Indifi" system, empowering borrowers to leverage their existing credit lines as a payment method for transactions on merchant portals.

Jul 2013 – Mar 2016 · 2 yrs 8 mos · Noida Area, India

• Played a key role in the core payment gateway team at Paytm, contributing to significant product enhancements and feature developments.
• Developed auto debiting feature to auto charge Uber users' wallets after their rides, improving convenience and transaction speed.
• Led the development of the "Add & Pay" module, allowing users to instantly top up their wallets using credit/debit cards to complete purchases without interruption.
• Improved session management by centralizing user sessions with Redis by creating a custom Session Manager in Tomcat and using a custom Valve, which removed the need for sticky sessions and improved system performance.
• Designed and implemented the Standing Instructions feature on user's credit cards, allowing users to automate periodic payments effortlessly, thereby improving user engagement and payment consistency.
• Implemented user transaction velocity limits to reduce the risk of fraud and protect transaction integrity.
• Developed pre-auth/capture payment functionality, allowing merchants to authorize a payment and capture the funds later, giving them more control over transactions and cash flow.

Jul 2012 – Jun 2013 · 11 mos · Mumbai Area, India