Jul 2023 – Present · 2 yrs 8 mos · Bengaluru, Karnataka, India · On-site

Jun 2023 – Aug 2023 · 2 mos · Bengaluru, Karnataka, India · On-site

• Responsible to drive the cutting-edge product development under Enterprise Factory division.

Apr 2021 – May 2023 · 2 yrs 1 mo · Bangalore Urban, Karnataka, India · On-site

• Products:
• #Digital Lending - Platform offers customised lending products for MSME and Retails customers. Offerings includes Working Capital (Term Loan), Line of Credit, BNPL, Anchor Based Finance, Revenue Based Finance. Products are offered through various platform like open.money, OpenCaptial and MyMoney
• Partners : IIFL and Gormor Finance
• #Open.money Cards - Corporate Credit Cards, Expense Management powered by Prepaid and Virtual Cards offered through our completely In-house developed Credit card management system which includes Underwriting, Customer onboarding, Transaction Auth, Billing and Repayments.
• Partner : SBM India
• #OpenSwitch-Issuance platform, - Cloud based end-to-end card issuance platform for transaction processing and card management system which connects the Issuer (Banks, Fintech or any financial institution) with the Card Associations/Networks such as VISA, MasterCard or Rupay etc to provide the system of record, manage the card issuance lifecycle, transaction authorization, reconciliation and settlement service.
• Partner : SBM India
• #Providing technical leadership to all engineering and development areas
• #Product owner for Credit card and Card issuance platform
• #Acts as SME on Digital Lending, Cards & Payments and operating SaaS model
• #Closely work with Product and Senior Management coverts the idea into workable products
• #Maintaining relationships with internal and external stakeholders
• #Providing technical guidance to engineering teams and top management along with Budgeting and Roadmap

Apr 2018 – Apr 2021 · 3 yrs · Bengaluru, Karnataka, India · On-site

• # Product Owner and Technical Architect for Prepaid/Credit card Authorization Host, Customer Onboarding and Open banking API Integration with Partner Bank.
• # Responsible for handling the cards Issuance project for all NiYO Products
• # Technical Guidance during the Design, Development, Testing, Certification and Implementation
• Stages.
• # Coordinating with the Partner Banks to freeze the Technical Requirements, Project Dependency
• and Status reviews.
• # Supporting the team with project scoping, design, product delivery, execution plan, resource
• allocation, budgeting and day-to-day operation.
• # Member of the NiYO’s ISMG (Information Security Management Group).
• # Responsible for handling PCI DSS Certification and other regulatory dependencies.
• # Providing support for Vendor Screening and Budgeting to Business development team.
• # Providing regular updates to CTO on the project status and new technology innovations/implementations.
• NCH (NiYO Card Host) is a Multi Institution based Authorization System, which maintains all the
• customer balance and authorizes the digital transaction both Card Based and Account based
• Transactions. Currently supports the functionalities such as Virtual Accounts, Multi Wallet, GL
• Accounting, Limit Management, Fee Calculation, Business Rules and supports Card Products such as Prepaid, Credit and Purchase Card.
• Line of Business : NiYO Benefits and NiYO Bharat
• Partner Banks : Development Credit Bank, YES Bank, HDFC Bank
• NRS (NiYO Reconciliation System ) which enables the reconciliation of the digital transaction (Card
• and Account Transaction) between the Network (VISA, Rupay, MasterCard), Partner Banks(Nodal Accounts), 3rd party vendor such as Billdesk, Insurance etc and keeps track of the complete transaction details of the organisation.

Jun 2017 – Apr 2018 · 10 mos · Greater Chennai Area

• # Responsible for the Design and Delivery of EFT solutions to meet the client business objectives.
• # Accountable for management of project and system dependencies at planning, implementation and support stages.
• # Accountable for all project milestones, deliverable & sign-off and successful implementation with stakeholder satisfaction.
• # Strategic planning and implementation for ongoing integrations, upkeep and improvement of In-house applications.
• # Responsible for new innovation, product development & customization and key mentor.
• # Currently Manages 6 Product teams, Quality Control and 2 Project Delivery & Implementation Teams(Domestic and International).
• # Certified PCI DSS Implementer and acts as Internal Security/Quality control Auditor.
• # Responsible to manage the day to day operations of IT systems, ensuring that planning, end-user impact, change management, training, quality management are properly addressed and monitored.
• # Vendor Screening & inputs for strategic partnership, Pre-Sales & RFP coordination, CRS/SOW Negotiation and Finalization.
• # Responsible to develop and maintain the Major Incident & Business Continuity plan.

Mar 2016 – May 2017 · 1 yr 2 mos · Greater Chennai Area

• Project Management - Key Migration Projects
• Key Role : Product Delivery, Project Planning, Resource Allocation, Card Scheme Certification, Customization and Implementation

Jul 2012 – Mar 2016 · 3 yrs 8 mos · Greater Chennai Area

• Handling Major Implementation of Electronic card payment system and related product development.
• IST/Switch 7.3, 7.5 & 7.6 Implementation. IST/Switch SDK Customization

Dec 2011 – Jul 2012 · 7 mos · Greater Chennai Area

• #Product Development - Core Developer of Ezlink( EFT Switch )

Apr 2009 – Dec 2011 · 2 yrs 8 mos

• #Implementation and Customization for IST/Switch 7.6
• #Product Development - Core Developer of Ezlink( EFT Switch )

Apr 2008 – Jan 2009 · 9 mos · Greater Chennai Area

• #Implementation and Customization for IST/Switch 7.6
• #Product Development - Core Developer of Ezlink( EFT Switch )

Apr 2007 – Mar 2008 · 11 mos · Greater Chennai Area

• #Implementation and Customization for IST/Switch 7.6
• #Product Development - Core Developer of Ezlink( EFT Switch )