Ankit Bhasin

Product Manager

Noida, Uttar Pradesh, India12 yrs 5 mos experience
Most Likely To SwitchHighly Stable

Key Highlights

  • 12+ years in secure payment application development.
  • Expert in EMV compliance and PCI standards.
  • Led major projects for top Indian banks and fintechs.
Stackforce AI infers this person is a Fintech expert specializing in secure payment systems and Android application development.

Contact

LinkedIn

Skills

Core Skills

EmvPayments

Other Skills

Android DevelopmentAndroid SDKAndroid StudioCContinuous Integration and Continuous Delivery (CI/CD)Core JavaDevelopment ToolsDevice DriversEclipseEmbedded CEmbedded LinuxFinancial Transaction ProcessingISO8583J2EEJava

About

I am a Payment Systems Specialist and EMV-focused Tech Lead with 12+ years of experience delivering secure, high-performance payment applications for Android POS terminals across APAC. My core strength lies in building EMV-compliant, PCI-aligned, encryption-driven payment solutions for card-present and contactless transactions. At Ingenico, I lead the architecture and development of Android-based payment applications, focusing on EMV kernel integration, certification readiness, transaction flow optimization, and scheme compliance across Visa, Mastercard, and regional partners. I act as a primary technical owner for complex payment workflows, production rollouts, and cross-team collaboration. Key areas of expertise: • EMV (Contact + Contactless): L1/L2 integration, CVM logic, TVR/IAC/TAC handling, GEN AC • ISO 8583: message structures, field mapping, TLV handling, host communication • Security: DUKPT, BDK/IPEK, PIN/data encryption, secure key injection • Android POS Engineering: Kotlin, kernel APIs, App2App flows, modular architectures • Engineering Leadership: CI/CD (Jenkins, Bitbucket, SonarQube), code governance, mentoring I have led and contributed to payment application development for major Indian banks, including HDFC Bank, SBI, Yes Bank and others—covering EMV flows, host messaging, Online PIN, risk controls, and compliance-driven features. I have also supported large Indian fintechs with payment SDK integrations, POS onboarding, security validations, and technical guidance across their transaction journeys. I additionally led key technical components of the HitPay–CyberSource payment application and certification, including EMV integration, Online PIN enablement, encryption workflows, configuration management, scheme compliance resolution, and production rollout—working closely with Visa, HitPay, and global Ingenico teams to ensure a smooth go-live. Beyond payments, I have a solid foundation in Android and system-level development with experience in Kotlin, Java, C, C++, and data structures. Earlier in my career, I delivered solutions in eCommerce, tourism, location-based services, banking tools, and Aadhaar-enabled biometric systems—enhancing my architectural decision-making and adaptability. I remain focused on advancing secure, scalable, and standards-driven payment ecosystems, while guiding engineering teams toward higher technical maturity and continuous delivery excellence. My goal is to contribute meaningfully to the evolution of modern payment technology across global markets.

Experience

12 yrs 5 mos
Total Experience
2 yrs 5 mos
Average Tenure
6 yrs 3 mos
Current Experience

Ingenico

2 roles

Technical Lead

Promoted

Apr 2023 – Present · 3 yrs 1 mo

  • As Tech Lead, I drive the architecture, development, and delivery of Android-based EMV payment applications for APAC markets. I own end-to-end technical design across EMV, host communication, encryption, certification, and production rollout.
  • Key Contributions & Responsibilities:
  • Lead design and development of EMV-compliant payment apps supporting contact, contactless, and Online PIN workflows
  • Implement ISO 8583 message structures, field mapping, and host communication flows
  • Design secure encryption frameworks using DUKPT, BDK/IPEK, PIN block & data encryption
  • Lead EMV kernel integration, CVM processing, TAC/IAC handling, and GEN AC flow management
  • Primary technical escalation point for scheme compliance (Visa, Mastercard) and certification issues
  • Led development/support for payment apps used by major Indian banks (HDFC Bank, SBI, Yes Bank, etc.)
  • Supported major Indian fintech's with SDK integrations, POS onboarding, and security validations
  • Strengthen engineering excellence through CI/CD automation (Jenkins, Bitbucket, SonarQube), code governance, and mentoring
Point of Sale (POS) SystemsContinuous Integration and Continuous Delivery (CI/CD)EMVPaymentsISO8583Financial Transaction Processing+1

Senior Software Engineer

Jan 2020 – Mar 2023 · 3 yrs 2 mos

  • Worked on developing and enhancing Android-based POS applications supporting EMV, contactless, NFC, and App2App merchant integrations.
  • Key Responsibilities:
  • Developed payment features across ICC/MSR/NFC with EMV L1/L2 kernels
  • Implemented TLV parsing, EMV risk management, CVM selection, and terminal behavior logic
  • Designed ISO 8583 request/response frameworks, improving host communication
  • Integrated App2App flows for merchant apps and external fintech partners
  • Supported Online PIN integration, acquirer configurations, and scheme-driven requirements
  • Improved terminal performance, kernel configuration, and transaction stability
Point of Sale (POS) SystemsEMVPaymentsISO8583Financial Transaction ProcessingKey Management

Idemia

2 roles

Sr Software Engineer

Promoted

Apr 2019 – Jan 2020 · 9 mos

  • Promoted to Senior Engineer to lead advanced AEPS workflows, POS payment integrations, and multi-channel financial transaction applications.
  • Key Projects & Responsibilities:
  • OMAPay – Aadhaar-Enabled Payments & Utility Transactions App
  • Contributed to the development of OMAPay supporting AEPS, Aadhaar authentication, utility bill payments, and mini statements
  • Designed secure communication flows between client app and acquirer systems
  • Improved transaction reliability and error-handling for low-connectivity regions
  • Multi-POS Device Payment Integration (Poynt, Ingenico APOS A8, Mosambee, Sunyard)
  • Developed payment flows across various POS terminals using device-specific SDKs
  • Integrated card-present operations, UI components, and secure transaction modules
  • Coordinated with hardware teams for field testing, certification support, and deployment stability
  • Cross-Bank AEPS and Utility Transaction Workflows
  • Enhanced authentication processes
  • Improved AEPS performance and compliance readiness
  • Supported multi-bank adaptations for production environments
  • Impact:
  • Enhanced proficiency in AEPS systems, multi-device POS integration, transactional security, and cross-bank financial workflows — experience that directly strengthened later EMV and POS leadership roles at Ingenico.
Point of Sale (POS) SystemsPaymentsFinancial Transaction Processing

Software Engineer

Feb 2017 – Mar 2019 · 2 yrs 1 mo

  • Worked on Aadhaar-enabled payment systems, biometric authentication workflows, and early-stage POS payment integrations for banking clients.
  • Key Projects & Responsibilities:
  • Aadhaar-Based Payment Application for RBL Bank
  • Developed AEPS modules for Aadhaar authentication, balance inquiry, cash withdrawal, and mini statements
  • Integrated UIDAI-based authentication workflows and secure biometric capture
  • Worked closely on ISO-based transaction mapping and performance optimization
  • Biometric Attendance & Verification System (Morpho Devices)
  • Built an attendance and verification application using Morpho biometric fingerprint devices
  • Integrated biometric SDKs for fingerprint capture and template matching
  • Implemented secure communication and backend synchronization flows
  • Rural Banking Payment Modules (Chhattisgarh Rajya Gramin Bank)
  • Developed Aadhaar-based and PIN-based authentication workflows
  • Supported financial inclusion use cases such as rural transactions, KYC, and customer onboarding
  • Impact:
  • Strengthened core expertise in Aadhaar authentication, biometric SDKs, secure data flow, and foundations of AEPS-based payment applications.
Point of Sale (POS) Systems

Codifier technologies pvt. ltd.

Sr. Android Developer

Jun 2015 – Feb 2017 · 1 yr 8 mos · New Delhi Area, India

  • Worked as an Android Developer on multiple high-impact mobile applications across safety, social impact, enterprise mobility, and fintech domains.
  • Key Projects & Contributions:
  • CrowdGuard – Location-Based SOS Safety Platform
  • Developed a real-time SOS and emergency assistance solution enabling users to alert nearby volunteers and responders.
  • Implemented GPS tracking, background location updates, secure alert dispatching
  • Built workflows to broadcast distress notifications to mapped helpers
  • Pehel – Social Helper & NGO Connector App
  • Delivered a platform connecting people in need with volunteers and NGOs.
  • Implemented image capture/upload, cause creation, and location-based mapping
  • Designed helper discovery flows for real-time assistance
  • YuMiGo – Forex Aggregation & Dealer Bidding App
  • Contributed to an online platform enabling users to request forex exchange and receive competitive quotes from nearby dealers.
  • Developed dealer listing and bid display modules
  • Integrated secure communication and account workflows
  • Employee Tracking System
  • Built features for enterprise location tracking of field employees.
  • Implemented attendance, route tracking, and real-time location streams
  • Impact:
  • Strengthened expertise in location services, secure communication, Android services, and workflow design across diverse business use cases.

Codecube technologies

Android Developer

May 2014 – Apr 2015 · 11 mos · New Delhi Area, India

  • Worked as an Android Developer delivering production-quality applications across hospitality, insurance, and enterprise domains. Played a key role in transforming design concepts into stable, scalable Android applications.
  • Key Projects & Contributions:
  • NightStay – Last-Minute Premium Hotel Booking App
  • Worked on a real-time hotel booking solution offering discounted same-day reservations.
  • Developed booking flows, UI components, and caching logic
  • Integrated REST APIs and optimized app performance
  • Bharti AXA “In My Pocket” – Internal Employee & Advisor Application
  • Built modules for insurance product illustration and policy benefit computation.
  • Implemented calculators, tools, and product comparison screens
  • Added file upload, internal chat, and data submission workflows
  • Bharti AXA Life Benefit Calculator
  • Developed intuitive calculator modules to display benefits like sum assured, returns, and bonus structures.
  • Designed input-driven workflows with accurate business logic
  • Ensured consistent UX for advisors and sales teams
  • Impact:
  • Delivered stable, user-friendly applications used by insurance advisors and consumers, while building strong foundations in API integration, UI/UX, caching, and modular Android architecture.

Blacklight studio works pvt. ltd

Software Trainee (Android)

Nov 2013 – Apr 2014 · 5 mos · New Delhi Area, India

  • Joined as a fixed-duration trainee and contributed to Android game development, focusing on logic implementation, UI interactions, and animation flows.
  • Key Project:
  • Spellathon – Word Puzzle Game
  • Developed gameplay logic for a popular word-formation game using random letter arrangements.
  • Implemented word validation, scoring logic, and level mechanics
  • Added achievements, animations, statistics, and user progress tracking
  • Contributed to UI enhancements and smoother gameplay
  • Impact:
  • Gained early experience in algorithmic problem-solving, UI animation, and designing interactive user flows — skills that later strengthened enterprise and fintech application work.

Emblogic embedded technologies pvt ltd

Embedded Engineer

Aug 2012 – May 2013 · 9 mos · Noida Area, India

  • Worked on Linux-based system programming and device driver development, gaining hands-on exposure to low-level hardware–software interaction.
  • Key Highlights:
  • Developed Parallel Port and Serial Port device drivers (74LS244, PC16550D UART) with data/control register configuration
  • Implemented synchronous data transfer, FIFO modes, ISR-based communication, and Proc interfaces
  • Built SCULL character driver, supporting read/write/seek, IOCTL, kernel timers, and tasklets
  • Created client-server workflows using Linux IPC (FIFO, PIPEs, Message Queues, Semaphores)
  • Strengthened fundamentals in C, Linux internals, synchronization mechanisms, and kernel module development

Education

Dr. A.P.J. Abdul Kalam Technical University

Bachelor of Technology (B.Tech.) — Electronics and Communication

Jan 2008 – Jan 2012

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