Mayank Aggarwal

Director of Engineering

Noida, Uttar Pradesh, India15 yrs 6 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Over 15 years in fintech engineering leadership.
Expert in architecting high-performance payment systems.
Innovator behind UPI Tap & Pay and Offline CBDC.

Stackforce AI infers this person is a Fintech Engineering Leader with expertise in scalable payment systems and compliance.

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Skills

Core Skills

ArchitecturePlatform StrategyAi IntegrationPlatform DevelopmentReporting SystemsObservabilityPayment Systems ArchitectureCompliance EngineeringMobile Payment SolutionsTokenizationPayment Systems DevelopmentInfrastructure EngineeringAndroid Payment SolutionsEmv Integration

Other Skills

AIAI-driven diagnosticsAlgorithmsAndroid DevelopmentAndroid POS payment engineAndroid POS suiteCC++Contactless PaymentsDiagnosticsEMI product enginesEMVEMV protocolsFunctional modulesGraphQL

About

Fintech engineering leader with over 15 years of experience architecting secure, scalable, and high-performance platforms across POS terminals, Tap & Pay, UPI, EMI, and acquiring systems. Currently leading architecture and platform strategy at Pine Labs, overseeing deployments across India, Southeast Asia, and the Middle East. Expertise includes designing payment systems that scale to 2000+ TPS with 99.99% uptime, delivering multi-vendor Android POS stacks, and building PCI-compliant infrastructure with in-house RKI, HSM, and CPoC certifications. Recognized for launching innovations such as UPI Tap & Pay (with Google), Offline CBDC, EMI on UPI, and PineOne — a unified merchant onboarding and analytics portal serving over 500K merchants. Passionate about enabling AI-first platforms for diagnostics, support automation, and risk management. Combines deep technical leadership with a strong product mindset and a proven track record of delivering regulatory-compliant, production-grade fintech systems at global scale.

Experience

Pine labs

3 roles

Director of Engineering & Principal Architect

Promoted

Apr 2024 – Present · 1 yr 11 mos

Leading 50+ engineers across multiple teams focused on in-store payments, POS terminal, and merchant platforms.
Lead architecture for POS payment systems, acquiring stack, and merchant platforms.
Delivered Android POS suite on PAX, Morefun, Kozen, Wiseasy with unified terminal software.
Spearheaded AI-driven diagnostics platform reducing support call time by 80%.
Defined long-term infra and hybrid cloud roadmap with DR, BCP, and compliance controls.
Established observability and logging framework across terminal and cloud ecosystems.
Championed innovation in Offline CBDC and UPI LiteX showcased at Global Fintech Fest.
Introduced observability stack and unified reporting via PineOne portal (GraphQL federation).

POS payment systemsAndroid POS suiteAI-driven diagnosticshybrid cloud roadmapobservability and loggingArchitecture+1

Architect

Promoted

Apr 2017 – Mar 2024 · 6 yrs 11 mos

Architected multi-acquirer routing for card, UPI, and EMI flows with 99%+ uptime.
Built UPI Tap & Pay in partnership with Google Pay, enabling tokenized mobile payments.
Delivered scalable EMI and affordability product engines for credit, debit, and NBFC rails.
Built in-house attestation and compliance services for PCI/CPoC/HSM standards.

Multi-acquirer routingUPI Tap & PayEMI product enginesPCI compliancePayment Systems ArchitectureCompliance Engineering

Software Engineer

Sep 2011 – Mar 2017 · 5 yrs 6 mos

Developed India’s first Android POS payment engine integrating EMV/contactless protocols and built key management infrastructure.
Designed and developed campaign management, and notification systems.
Delivered production-grade payment apps used across 5 lakh terminals.

Android POS payment engineEMV protocolsKey management infrastructurePayment Systems DevelopmentInfrastructure Engineering