Mar 2025 – Present · 1 yr 3 mos

• Performed end-to-end QA validation of Merchant Acquiring workflows within HPS CMS, covering lifecycle functions such as merchant onboarding, transaction routing, settlement, chargeback processing, and reconciliation logic.
• Executed deep-dive testing for fraud and switch modules, validating transaction routing rules, velocity checks, AML triggers, authorization pathing, and real-time monitoring using Lens, POD logs, Jaeger traces, and Grafana dashboards.
• Conducted multi-network authorization testing using PSTT simulators across Visa, Mastercard, Rupay, JCB, CUP and domestic schemes, ensuring accurate MTI/DE mappings, compliance, and switch behavior verification.
• Participated in Agile ceremonies and collaborated closely with developers/product teams to analyze defects, validate backend impacts, and ensure traceability of requirements across sprints.
• Technical expertise & tools: ISO 8583 message validation, HPS CMS (Acquiring), POS/ATM transaction testing, settlement & chargeback lifecycle, SQL-based backend checks, API Testing (Postman, Rest Assured), PSTT simulator, fraud & switch platform monitoring (Lens, Jaeger, Grafana).

May 2024 – Feb 2025 · 9 mos

• Worked extensively on SmartVista CMS across full Issuer & Acquirer Life Cycles, covering merchant onboarding, terminal setup, authorization, capture, batch processing, settlement, reconciliation, chargeback/disputes, card issuance, card lifecycle actions, authorization processing, account posting, fees/interest, statement generation, and scheme settlement.
• Served as Onsite Test Lead in Sri Lanka, representing QA and collaborating with client teams, developers, and bank stakeholders.
• Owned test planning, strategy, traceability, and test case design aligned with business and technical requirements.
• Led defect triage, prioritization, and review meetings to ensure timely closure of critical issues.
• Conducted daily stand-ups, sprint reviews, and client sync meetings for clear communication and progress tracking.
• Supported SIT, UAT, regression, and Go-Live readiness.
• Strengthened onsite–offshore coordination through structured communication and documentation.

Aug 2023 – May 2024 · 9 mos

• Led QA for the Credit Plus CMS platform, owning test planning, strategy, test case design, and end-to-end execution across all critical modules.
• Performed comprehensive testing for Customer Onboarding, Transaction Management, Authorization, Fees & Interest, Collections, Disputes, and NPCI RuPay Integration & Certification; validated RuPay Credit Card on UPI and Credit Line flows using Postman APIs.
• Managed QA operations through standups, defect triage, DSR/WSR reporting, stakeholder coordination, and delivered functional demos and walkthroughs for every release.

Mar 2022 – Aug 2023 · 1 yr 5 mos

• Collaborated with Product Owners and developers to understand PRDs, API contracts, and user flows; prepared detailed test cases with sign-offs and validated CRED co-branded RuPay Credit Card modules including onboarding, repayments, EMI, KYC, collections, and financial operations.
• Performed extensive Postman API testing, gRPC validation, SQL/DB checks, log analysis via Coralogix/Grafana, and microservices testing across AWS SQS, SNS, DynamoDB, Step Functions, S3, Hyperverge, Databricks, and TestRail.
• Tested BNPL and LMS/co-lending workflows end-to-end, covering onboarding, KYC, document generation (KFS, MITC, agreements), loan creation, disbursement, repayment schedules, NPA, fees/interest, foreclosure, cancellation, and full financial reconciliation.
• Created runbooks and documentation, trained junior QA engineers, contributed to Java-Maven-TestNG automation for RuPay Credit Card APIs, and scaled the QA team from 1 to 12 while earning multiple client appreciations.

Jul 2021 – Present · 4 yrs 11 mos · Pune, Maharashtra, India

Jul 2021 – Feb 2022 · 7 mos

• Analyzed FSD requirements and prepared detailed, traceable test cases and scenarios covering functional, API, and backend validations.
• Performed UI testing, backend testing, Postman API validation, SQL DB checks, and mobile app testing for end-to-end credit card flows.
• Worked across key credit card modules including Origination, Authorizations, Transaction Processing, Card Management, Collections, EMI, Interest Calculation, and Dispute Management.
• Tested and validated system behavior on the Intellect Card Management System, ensuring accurate financial and non-financial transaction handling.
• Utilized tools such as Postman, SQL Developer, encryption/decryption stubs, CMS portal, WinSCP, and PuTTY for comprehensive test coverage and environment support.
• Led and participated in defect triage calls, stakeholder discussions, and regular coordination with DBS Bank and development teams to ensure timely issue resolution and smooth QA cycles.

May 2018 – Jul 2021 · 3 yrs 2 mos

May 2018 – Jun 2021 · 3 yrs 1 mo

• Monitored live financial transactions across credit cards, Sodexo, Shell fleet, and debit products; led real-time incident response for declines, system interruptions, server issues, and ensured uninterrupted payment processing with rapid corrective actions.
• Delivered accurate RCA reports, ensured SLA compliance, coordinated cross-functionally for timely fixes, and executed key operations such as Sign-On/Sign-Off, Host Activation/Deactivation, BIN deployments, DR drills, and datacenter activities.
• Managed PaySecure (RuPay ACS) operations by monitoring authentication flows, restarting Tomcat servers, ensuring server uptime, and overseeing Modirum ACS monitoring for Visa, Mastercard, CUP, and JCB to maintain stable 3DS authentication.
• Handled Narada Connect System operations (card onboarding, PIN mailers, embossing, reconciliation, disputes, clearing & settlement) and supported global clients—including Sodexo, WeSwap, Shell Fleet Card—and Exim Bank (South Africa) for ATM/POS controller and credit/debit switch activities.