Sep 2022 – Oct 2022 · 1 mo · Noida, Uttar Pradesh

Dec 2021 – Aug 2022 · 8 mos · Noida, Uttar Pradesh, India

• Merchant Lending System
• Designed and launched a co-branded merchant credit card to provide vendors with
• instant and secure access to capital for inventory purchases
• Funds Settlement Optimization
• Developed and launched "Same Day Settlement," reducing fund disbursement time from
• T+1 days to the same day. This initiative resulted in a 15% increase in SME adoption and
• a 12% reduction in merchant churn
• Operational Efficiency
• Worked closely with the operations team to create a self-understanding information
• array, reducing the need for support from both operations and merchants
• Product Enhancement & Performance
• Led iterative enhancements based on data-driven insights, increasing user engagement
• and revenue

Apr 2021 – Dec 2021 · 8 mos · Gurugram, Haryana, India · Hybrid

• Product - Affordability Programs
• Spearheaded the development and launch of a Brand EMI program (a key consumer
• financing solution) for the organization's online ecosystem, addressing a critical gap in
• affordability options
• Successfully launched a pilot program with initial merchant partners
• Program Expansion & Impact
• Expanded the Brand EMI solution, resulting in a 15% increase in consumer affordability
• solutions and a 15% growth in adoption rates within a short period
• Product Roadmap & Strategy
• Developed a long-term product roadmap for the Brand EMI program, including feature
• enhancements, user acquisition strategies, and revenue projections
• Cross-Functional Collaboration
• Collaborated with cross-functional teams, including sales and marketing, to define go-to-
• market strategies, ensuring smooth product launches and competitive market
• positioning
• User-Centric Refinement
• Conducted customer research and usability testing to refine product features and
• enhance user experience

Oct 2020 – Mar 2021 · 5 mos

Nov 2019 – Oct 2020 · 11 mos · Gurgaon, Haryana, India

• Agent-Assisted Digital Services Platform
• Identified and addressed the digital access gap for Airtel customers in Africa by leading
• the development of an agent-assisted mobile platform for digital transactions (cash-
• in/cash-out, bill payments). Defined and executed the product roadmap for multi-
• country expansion. Collaborated closely with cross-functional teams to ensure efficient
• development and reduce time-to-market. Tracked key product metrics (transaction
• volumes, ticket size, demographics) to monitor product health and inform scaling
• strategies
• User Adoption & Revenue Generation
• Drove significant user adoption, resulting in an upward trend in monthly digital
• transactions and a projected USD 1 million in revenue within the first few months of
• operation
• Development Efficiency & Time-to-Market
• Collaborated closely with cross-functional teams to ensure development efficiency and
• reduce time-to-market
• Product Performance & Scalability
• Tracked key product metrics (transaction volumes, ticket size, demographics) to
• monitor product health and develop strategies for scaling

Oct 2015 – Nov 2019 · 4 yrs 1 mo

• Product Development & Launch
• Launched a new Debit EMI program through bank partnerships and seamless API
• integration
• Engineered and deployed an internal fleet wallet system, enhancing transaction security
• and efficiency
• Product Enhancement & Optimization
• Revitalized existing Affordability products (Brand EMI, Bank EMI) with feature
• upgrades, OEM customizations, and fraud mitigation
• Strategic Partnerships & Integration
• Drove UPI payment adoption across the Pine Labs ecosystem via strategic bank
• integrations
• Integrated major e-commerce/fintech wallets (Amazon Pay, Google Pay, Paytm,
• MobiKwik, PayZapp) for broader payment acceptance
• KPI Management
• Defined and tracked key product KPIs to enable informed decision-making and strategic
• roadmap planning

Nov 2009 – Oct 2015 · 5 yrs 11 mos · Noida, Uttar Pradesh, India

• Driving Product Evolution & Innovation
• Proactively enhanced existing product portfolios by strategically adding/removing
• features, retiring legacy systems, and implementing new, improved solutions with a
• strong emphasis on superior customer experience
• Demonstrated full product lifecycle ownership by independently designing, developing,
• and successfully launching new products such as an e-Exit system, Approval
• Management System, Project Tracking System, and NPS Score Tracking System, based on
• thorough user requirements analysis
• Leading Technical Support & Customer Resolution
• Directed a Level 3 (L3) support team, ensuring efficient and effective resolution of
• complex customer inquiries related to developed products, contributing to high
• customer satisfaction
• Spearheading Digital Transformation & Operational Excellence
• Led enterprise-wide digital transformation initiatives that streamlined operational
• workflows and significantly enhanced overall efficiency
• Optimizing System Implementations through Stakeholder Collaboration:
• Effectively managed stakeholder engagement and meticulously gathered requirements,
• leading to optimized system implementations that met business needs and user

Nov 2008 – Nov 2009 · 1 yr · New Delhi

• Worked as a business analyst cum technical writer. Understanding user requirements, creating various documents such as BRDs, FRDs, and then get the product/application develop as per the requirements.

Mar 2008 – Oct 2008 · 7 mos · Gurgaon

• Worked on various projects as technical writer.