Dec 2022 – Mar 2025 · 2 yrs 3 mos · Dubai, United Arab Emirates | Bengaluru · Remote

• [Post Acquisition] UPI ONE WORLD - Pioneers of UPI on PPI. Mony is an innovative payments product for tourists & NRIs. Making the payments a breeze for the 9.5 Mn+ Foreign tourists visiting India every year.
• > Architected the core payments structure for the No.1 tourists payments app
• > Complete ownership across the verticals - Compliance, Design, Operations & Customer Support.
• > Scaling the product from 0-1-n and have already acquired users from 130+ countries now.
• > Integrated crucial travel partners(#1 Middle East Airline, Conceirge Services) and add-on services like e-SIM and connecting local tour guides.
• > Established key financial partnerships like Switch, PPI, Gateway and other payment services with a 360° view of the product workflows.

May 2022 – May 2023 · 1 yr · Bengaluru, Karnataka, India

• [Acquired by Xare, Dubai]
• BNPL on UPI - The beauty of the product is it's a <1 % NPA product that attracted NBFCs for low interest rates. Figured out a key component in the payments ecosystem & engineered the product according to the Indian market.
• ✓ B2B - Built a SDK that can be embedded in the checkout page of any B2B online stores(Healthtech, Fintech) where the profit margins are very lean. The SDK helps the merchants process card payments at a much lesser MDR charges.
• ✓ B2C - "Credit-on-UPI" - Rive is the very first platform in India that allows Credit card users to scan & pay instantly at 100 Mn+ QR codes across the country with 0 charges to the merchant & user with their "existing credit card". The product is free from KYC, Credit check, It's literally a dream product for credit card users in India.
• My role -
• 》With a deeper understanding of Credit Management, Payment Gateways & API banking products, I did an intense research to unify the credit card to UPI flow bypassing the MDR charges.
• 》Shaped up the MVP with close monitoring & interviewing beta users.
• 》Coordinated with external stakeholders & lenders for cost reduction of API infrastructure.
• 》With just 2 engineer co-founders, was able to ship sleek interface & scaled the product to 50K+ users in <2 months with 4* ratings on Play Store.[Unexpected high growth] [Acquisition channels - Reddit, Product Hunt, Quora blogging, Product groups]
• 》Scaled the product to 100K+ users with transactional volume of $ 300K with less CAC/Marketing & 22% retention rate in <6 months.
• 》Managed customer support single-handedly, that helped to constantly iterate the product.
• 》Identified the areas of flaws in the system & fixed it leading no chance to the fraudulent transactions.
• Achievements- YC - Top 8%(Final Interview Failed) | 50K+ users in <2 months of launch | Ranked #3 on Product Hunt.
• Post Acquisition - Working on highly crucial projects such as "UPI for Foreigners" & Prepaid card program with Airlines

Nov 2020 – May 2022 · 1 yr 6 mos

• ✓ Asia's 1st B2B Neobank | API Banking Infrastructure for SMEs - Zwitch.io | Being among the initial product team, I played an instrumental role in researching & building Instant Payments, Checkout Layer(Payment Gateway), Credit & Loan Disbursal for SMEs.
• ✓ Payment Checkout Layer - Led the development of checkout layer by embedding multiple payment options(Cards, Netbanking, IMPS, UPI) by co-ordinating with internal & external stakeholders. Minimized the time to complete a payment cycle & introduced "Partial Payments" feature. The layer processes close to $ 5 Bn transactions a year.
• ✓ Credit Management System(CMS) - Worked with a couple of NBFCs to launch a Credit line product for 15 Mn SMEs on the OpenBook Mobile application. Tied up with a KYC partner & credit bureau to build the underwriting mechanism. Targeted loan book of $ 10.2 Mn in value.
• ✓ Starting off with Market Research > Competitive Analysis > User Interviews > Wireframing > PRD > Design > Engineering. Have collaborated with multiple internal & external stakeholders to align the product.

Aug 2019 – Oct 2020 · 1 yr 2 mos · Karnataka, India

• Collaborated with B2B BNPL player for embedded finance to provide 30 day interest-free credit for SMEs to purchase the inventory.
• From Ideation > R&D > Building > Testing > Analyzing and finally to Rolling Out, I has had been the black box at the budding startup. With many crests and troughs, we are promising the local retail stores a technological push-up to replenish their inventory.

Feb 2019 – Jan 2020 · 11 mos · Bengaluru, Karnataka, India

• B2B2C BNPL -
• > Worked on various aspects of product operations including spending limit assigning, merchant related queries, credit limit utilisation, repayment failure fees.
• > Understood the implementation of credit line assigning process based on the predicted score of the users.