Kunal Parab

Associate Consultant

Pune, Maharashtra, India10 yrs 10 mos experience

Key Highlights

Led Clover's expansion in Australia and ASEAN.
Architected same-day boarding platform for merchants.
Expert in bridging regulatory mandates with API architectures.

Stackforce AI infers this person is a Fintech expert with strong capabilities in product strategy and technical rigor.

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Skills

Core Skills

Product StrategyTechnical RigorBusiness Analysis

Other Skills

API DesignSQLISO 8583ETLCross-functional Team LeadershipBusiness Process ImprovementAPI DocumentationSystem IntegrationSalesforce IntegrationRequirements ElicitationGAP AnalysisQuality AssuranceLoyalty Program DesignCustomer EngagementProject Management

About

Technical Product Leader with a decade of experience scaling payment ecosystems across APAC and ASEAN. I specialize in bridging the gap between complex regulatory mandates (Visa/Mastercard) and high-performance API architectures. Currently relocating to Lithuania (March 2026) with a confirmed TRP. Core Expertise: Product Strategy: Scaling Clover to AUS and ASEAN Market. Helped Fiserv to grow the merchant Acquiring Business in INDIA. Technical Rigor: API Design, SQL, ISO 8583, & ETL (Migration) Leadership: Managing cross-functional teams in SAFe/Agile environments.

Experience

Fiserv

Technical Business Analyst - Sr Professional ll

Jun 2024 – Present · 1 yr 9 mos · Pune, Maharashtra, India

Led the complete architectural blueprint and operational launch of Clover's platform expansion across Australia and the ASEAN region, resulting in a new, scalable merchant onboarding experience.
Drove significant revenue growth by implementing the Smart Routing solution, strategically routing transactions directly to issuing banks to achieve substantial reductions in scheme fees.
Spearheaded key product innovation by integrating instant, static, and dynamic QR codes, alongside advanced sound box solutions, enhancing payment options and market competitiveness.
Collaborated with the Payment Gateway team to deliver comprehensive Card Present (CP) and Card Not Present (CNP) solutions via the payment gateway.
Ensured precise transaction processing and data integrity through deep working knowledge of ISO 8583 data elements and Omnipay settlement systems.
Empowered the sales team by implementing a "Tariff Override" functionality, enabling customized tariffs to secure high-value merchant partnerships.

API DesignSQLISO 8583ETLCross-functional Team LeadershipBusiness Process Improvement+2

Brillio

Consultant

Dec 2021 – Jun 2024 · 2 yrs 6 mos

Architected and implemented a successful same-day boarding platform for merchants in India, Australia, and the ASEAN region, drastically improving sales efficiency and time-to-market.
Managed end-to-end system provisioning by integrating the boarding platform with multiple in-house Fiserv systems, including Payment Gateway (ECOM), Base 24 (POS Switch), OmniPay (Settlement), and Asset Tracking.
Created and refined multiple API documents for Direct/ISO/Aggregator models (Single MID Pfac and Multi MID Pfac), streamlining the entire merchant acquiring process for clients.
Unified the boarding system with Salesforce to automate opportunity generation, significantly improving data flow and efficiency between sales and technical teams.
Collaborated with multiple DCC vendors and Visa to enable superior international conversion rates and swift provisioning of EMI merchants, expanding service offerings.

API DocumentationSystem IntegrationSalesforce IntegrationTechnical Rigor

Rebit | reserve bank information technology pvt ltd.

Business Analyst

Jan 2020 – Dec 2021 · 1 yr 11 mos · Navi Mumbai, Maharashtra, India

Served as the critical bridge between diverse banking domain departments and IT teams, guiding solutions from initial SOW sign-off to successful, live deployment within the RBI/public domains.
Mastered requirements elicitation using in-depth meetings, document analysis, and prototyping to translate complex departmental needs into clear, actionable business and technical objectives.
Provided strategic input through feasibility and GAP analyses, defining project scopes, and negotiating product functionalities to prioritize deliverables across key internal applications (e.g., CaMS and Utkarsh 2022).
Collaborated closely with Quality Assurance, meticulously reviewing test plans, cases, and actively participating in Integration, User Acceptance, and Functional Testing.

Requirements ElicitationGAP AnalysisQuality AssuranceBusiness Analysis

Loylty rewardz mngt pvt ltd

Business Analyst

Sep 2017 – Jan 2020 · 2 yrs 4 mos · Mumbai Area, India

Successfully onboarded over six major banks onto a cutting-edge loyalty platform, significantly expanding its market reach and customer base.
Architected and implemented diverse accrual logics tailored for each bank’s specific requirements, covering credit/debit card, internet, mobile banking, and UPI transactions.
Led the development and integration of a comprehensive suite of customer-facing redemption applications (web, Android, iOS) supporting DTH recharge, flight booking, merchandise, and voucher redemptions.

Loyalty Program DesignCustomer EngagementBusiness Analysis

Mobicule technologies pvt. ltd.

Business Analyst

Apr 2015 – Aug 2017 · 2 yrs 4 mos · Mumbai Area, India

Facilitated dynamic JAD sessions with high-profile clients (Kotak Bank, LIC, Asian Paints) to ensure crystal-clear understanding of complex retail asset requirements and proactively suggest innovative features.
Drove project success through meticulous planning and execution, encompassing effort estimation, setting milestones, developing project/sprint plans, and leading UAT/Go-Lives across multiple platforms.

Project ManagementClient EngagementBusiness Analysis