Oct 2019 – Feb 2022 · 2 yrs 4 mos · Noida, Uttar Pradesh, India

• Worked on Zelle (P2P product), which instantly lets people send or receive money using only the recipient's email address or mobile number.

Sep 2016 – May 2018 · 1 yr 8 mos · Noida, Uttar Pradesh, India

• Worked in the Electronic Payments domain with a major focus on US-specific instant money transfer & Nex Generation Bill Payment products from Fiserv and their collaborations.
• Worked on user-friendly next-generation Bill pay & Money transfer UI.
• Job Responsibilities:
• Worked as a CPT (Core Product Team) member to conceptualise & gathering the requirement with the product team for Bill Payment & P2P products.
• Participation in agile ceremonies.
• Conducted Requirement walk-through, & knowledge sharing sessions to around 250+ delivery & Senior management team members
• Driving the core product team meetings for requirement gathering & management
• Supported cross-geographical engineering & product management teams

May 2018 – Oct 2019 · 1 yr 5 mos · Gurugram, Haryana, India

• Worked on HCIN Mobile app which is getting revamped. Features I worked on:
• Mobile recharges & Utility Bill Payments through Bharat Bill Payment System (BBPS)
• Payments
• Lending

Jul 2013 – Sep 2016 · 3 yrs 2 mos · Gurugram, Haryana, India

• Worked as a Business Analyst in the payment domain in MPower which is a de-merged entity of Oxigen Services and has shareholding of Blue label Telecom, South Africa.
• During my stint with MPower, I was one of the key founding members of the Project Management Office who was responsible for setting up PMO in place and organizational processes in place under the supervision of the CEO which resulted in ISO 27001:2013 and PCI-DSS Version 3.0 certification of MPower.
• As a Business Analyst, I worked on projects related to Oxigen Wallet, Oxigen Services, Oxigen USA, CSCSPV, RBL Bank, Federal Bank, Bank Muscat, DBS, EcoBank, NPCI etc. related to Mobile wallet, PPI, Mobile money, BBPS, recharge, Bill Payment, merchant payment, cross-border Remittance, e-KYC, Card based merchant payment through Rupay, VISA & Master network.
• I was closely engaged with pre-sales activities including RFP Response, Proposal writing, Solution designing, Presentation, follow-up etc.
• Have an extensive understanding of the Payment ecosystem of India, the Middle East and the African continent.

Feb 2012 – Sep 2016 · 4 yrs 7 mos · Gurugram, Haryana, India

• Responsibilities:
• Designed and developed (including Front End Interfaces, User Experience & Backend Processes) various online solutions including Projects like Domestic Remittance (Banking Correspondent/PPI), e-Governance (National/State level), Mobile Wallet (Oxigen Wallet) & Services Aggregation (Telecom).
• Requirement gathering & documentation for all the product offerings and Preparing user journey.
• SPOC for different business partners like Banks, Online/Offline Clients. Conceptualized and Implemented new solutions/processes based on feedback received. Ensured all products/solutions are within the guidelines of regulators.
• Worked on Domestic & international engagements of Oxigen/MPower for wallet solution offering. Managed projects in Nepal, South Africa, Ghana, Oman & India.
• Achievements:
• Successfully implemented the first E-Governance Solution at Oxigen. Currently 1.8 Million + transactions are happening on this platform monthly. Delivered 2 State Level Governance Platforms. Integrated more than 70 services and 3 Payment Gateways.
• Designed and developed the user journeys & different functionality on Oxigen Wallet mobile app & website.
• Conceptualize and documented various BRDs for product enhancements based on Market research and customer feedback.
• Successfully implemented the super POS (Micro ATM) which accepts VISA, Master & Rupay Card and integrated with Hitachi payment switch through ISO 8583 protocol. Along with card acceptance, it allows customers to make cash deposits, cash withdrawals, fund transfers, balance enquiries, statements etc services through NPCI.
• Successfully managed the wallet solutions for Federal Bank India, Bank Muscat Oman, Eco Bank Ghana, etc.
• Successful integration with all around 60 recharge & bill payment players, Electricity and other utility service provider.
• Participated in product rollout and conducted user training sessions for around 1500 users in 10 states.

Jul 2010 – Jan 2012 · 1 yr 6 mos · New Delhi Area, India

• Job Responsibilities –
• Preparing numerous business proposals and developing relationships with Chanel Partners
• Creating and managing a network of CSC centers in the assigned territory and taking business decisions pertaining to the region handled
• Manage and develop individual CSC in active and profitable manner
• Ensure compliance of CSC centers with their respective roles & responsibilities
• Achieving new contracts and managing effectively the existing one, of clients & distributors
• Maintaining relationship with Government Agencies and other stakeholders
• Monitoring closely the Product performance, marketing activities and provide detailed feedback to the Head Office
• Preparing Annual Plan, Quarterly Plan and Monthly Plan

Apr 2009 – Jun 2009 · 2 mos

• worked in -
• Bank operations in branch banking
• customer relation
• Trade finance( international /domestic trade deal,Lletter of credit.Bank Guarantee, Remittance )
• Auditing of all the International and Domestic trade documents
• 5-s implementation in the branch
• Handling Cheque Returns Of Past 3 Years