Viraj Dharia

Product Manager

Mumbai, Maharashtra, India9 yrs 11 mos experience
Highly Stable

Key Highlights

  • 9+ years in Baking Technology sector
  • Expert in Card & Payments segments
  • Successful product launches for major banks
Stackforce AI infers this person is a Fintech expert with extensive experience in payment solutions and product management.

Contact

Skills

Core Skills

Solution ArchitectureProject Management

Other Skills

Agile MethodologiesBankingBusiness AnalysisBusiness DevelopmentMISManagementMarket ResearchProblem SolvingProduct DevelopmentProject DeliveryProject ImplementationRisk ManagementTeam ManagementVendor Management

About

9+ years of work experience in Baking Technology sector and has served to various Payment regulators/ banking clients in India and globally. He has played diverse roles in the Card & payments segments such as Product Manager, Solution Architect, Business Analyst, Consultant, Payments technical Advisor

Experience

Mastercard

Product Manager

Aug 2025Present · 7 mos · Mumbai, Maharashtra, India

Zeta suite

Solutions Architect

Jul 2021Aug 2025 · 4 yrs 1 mo · Mumbai Metropolitan Region

  • Sucesfully launched new age RuPay Pixel Cards for HDFC Bank
  • Developing Payments solution for Prepaid and Credit Card business - European region & USA.
  • Subject matter expert on ISO 8583 and Card payments, Providing valuable consulting and feedback to various internal and external stakeholders.
  • System design engineer and integeration specialist for payments, have sucessfully integerated zeta solution with USA switch service provider
  • Creating solutions for Payment system and problem solver - Apple Pay and Google Pay tokenization expert.
  • Desigining end to end user journey for Mobile products and Payment solutions
  • Designing SAAS based Dispute Managament Portal for the North American clients
Project ImplementationProject DeliverySolution ArchitectureAgile MethodologiesProblem SolvingProject Management

Pwc india

2 roles

Senior Consultant - Payments Transformation

Promoted

Oct 2020Jul 2021 · 9 mos

  • Projects executed during the tenure
  • 1. Managed to launch credit cards on Tsys Prime for one of the top Indian banks
  • 2. Performed Impact Assessment for U.K NPA Program
  • 3. New Feature development for a U.S based card processing
  • 4. Coordinating with various PwC internal teams for creating client specific RFP, POV and newsletter and organising knowledge sharing sessions
  • 5. Ability to manage and lead multiple projects in a dynamic environment and meeting client expectations on delivery timelines

Consultant - Payments Transformation

Feb 2019Oct 2020 · 1 yr 8 mos

National payments corporation of india (npci)

3 roles

Deputy Manager

Jul 2018Jan 2019 · 6 mos · Mumbai, Maharashtra, India

Assistant Manager - Product Development

Apr 2016Apr 2018 · 2 yrs · Mumbai Metropolitan Region

  • Product development- Rupay cards
  • RuPay Product feature devlopment :
  • Strategic Alliance and partnership for RuPay Brand with various leading Ecom websites, Mobile wallets and PoS players in the industry to promote cashless payments
  • Development and maintenance of product features for RuPay card
  • Develop and maintain strong external (Corporates, Vendors) and internal (Business, Operations, Risk) partnerships for the successful ly launching and executing offers
  • RuPay Credit card :
  • On boarding of top Indian banks on RuPay platform to issue RuPay Credit cards
  • Technical assistance for resolving RuPay credit card related queries of banks
  • communicating the best practices in Card industry to banks
  • RuPay Debit Card Portfolio
  • Key role in product management, marketing programs (conception through commercialization), pricing strategies, product life cycle management & product portfolio development.
  • Serve as a product expert to resolve beneficiary query, conduct product costing and pricing, review cost sheets for profitability analysis & support sales team in growing business post product roll out.
  • Review performance of products/ programs/ implementation to monitor activation and develop new strategies as and when to enhance usage of cards in the market.
  • Preparing and analysing daily and monthly reports of overall RuPay Portfolio
  • Designing strategy for better uptake of the solution. Also, modifying the solution on a timely manner if any gap, challenges are found.

Management Trainee

Dec 2015Mar 2016 · 3 mos · Mumbai Metropolitan Region

  • Rupay Product Development

Dupont

Summer Internship

Feb 2015Jun 2015 · 4 mos · Mumbai Metropolitan Region

  • Strategy for successful adoption of Tedlar® based backsheet for PV modules:
  • To understand the Indian PV market and the types of backsheets currently used.
  • To develop a strategy to increase the use of Tedlar® based backsheet for Indian PV manufacturers
  • Rapid Market Assessment (RMA) for pipe coating market in India :
  • Understanding the application of the Tedlar® film for pipeline application
  • Determining the market trends, key drivers, major player in value chain. Current issues faced by pipeline industry and end users

Education

IBS - Mumbai

Master of Business Administration (MBA)

Jan 2014Jan 2016

SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Bachelor of Technology (BTech)

Jan 2010Jan 2014

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