Radhika Agarwal

Program Manager

Bengaluru, Karnataka, India12 yrs 8 mos experience

Most Likely To Switch

Key Highlights

Led successful payment gateway projects.
Improved transaction success rates significantly.
Expert in fintech product management.

Stackforce AI infers this person is a Fintech expert with strong capabilities in payment systems and product management.

Contact

agarwal.radhika1991@gmail.com LinkedIn

Skills

Core Skills

Program ManagementPayment PartnershipsProduct ManagementPayment Specialist

Other Skills

PaymentsIntegrationProject ManagementDashboard CreationAPI CustomizationTeam ManagementC++Visual BasicHTMLSoftware Project ManagementSQLOracle SQLXMLJavaTechnology

About

I am an IT Engineer by qualification and passionate about the ever growing fintech world. I started my career with the payment gateway industry. Having closely worked on Citrus/PayU provided me the opportunity of hands on experience with the various aspects of the payment gateway. Further in my career have worked closely in Neo banking , BNPL and gained knowledge and developed skills in the banking and Lending sector. Aim to contribute dedicatedly to the project at hand with proper application of knowledge and skills, and attain professional growth in the process.

Experience

12 yrs 8 mos

Total Experience

2 yrs 1 mo

Average Tenure

2 yrs 7 mos

Current Experience

Jupiter

2 roles

Sr. Program Manger

Promoted

Sep 2023 – Present · 2 yrs 7 mos · Bengaluru, Karnataka, India · On-site

Owned end-to-end program lifecycle — from ideation to go-live — for critical initiatives including RuPay Credit
Card launch, UPI integration, and payments success monitoring
Successfully owned internal and external audits (e.g., partner bank audits, compliance checks) with zero major observations; ensured timely documentation, reporting, and closure of all action items..
Created and institutionalised dashboards to track repayment success, failure rates, support escalations, and fraud triggers — driving 20% improvement in core KPIs.
Identified and solved systemic gaps in payment retries and error handling, reducing failed transactions by 18% and customer complaints by 25%.

Program Management

Program Manager

Aug 2020 – Nov 2021 · 1 yr 3 mos · Bengaluru, Karnataka, India

Oversee multiple projects across all phases of development
Monitor workflow and make the timeline adjustment as needed
Make vital decisions and drive decision-making across projects
Led the projects and initiatives based on needs and goals
Deliver frequent, detailed and clear reporting to senior management
Managed several projects, for improving the product performance. Delivering quality product within
the defined TAT.
Collaborated with the sales, marketing, support teams to launch products on time
Escalate critical issues in a timely manner, offer solutions on how issues can be resolved

Program Management

Open financial technologies

Product Manager

Jul 2019 – Aug 2020 · 1 yr 1 mo · Bengaluru Area, India

Solely responsible for scoping, fulfilment, delivery of the product/services from functional and
technical standpoint.
Understanding the Client requirements for customisation in the APIs
Responsible for building the payment gateway from scratch.
Quickly address any issues that arise during product testing
Managed entire product life cycle, starting with strategic planning

Product Management

Lazypay (a brand by payu finance india private limited)

Program Manager

Dec 2016 – Jun 2019 · 2 yrs 6 mos · Mumbai, Maharashtra, India

Led the projects and initiatives based on needs and goals
Deliver frequent, detailed and clear reporting to senior management
Managed several projects, for improving the product performance. Delivering quality product within
the defined TAT.
Collaborated with the sales, marketing, support teams to launch products on time
Escalate critical issues in a timely manner, offer solutions on how issues can be resolved

Payment specialistProgram Management

Citrus payment solutions pvt. ltd

3 roles

Sr. Subject Matter Expert

Oct 2015 – Nov 2016 · 1 yr 1 mo · Mumbai Area, India

Understanding online payments related use case for Clients and architect relevant use case driven solutions from Citrus Product Suite.
Engaging with multiple stakeholders from Citrus Product side and Client’s product team to facilitate the solution.
Creating Job Task Analysis of the client's payment requirements
To consult clients on payment integration and post integration issues.
Assessing client feedback and quantifying new product requirements or existing product improvements.

Payment specialist

Product Improvements

Jul 2014 – Sep 2015 · 1 yr 2 mos · Mumbai Area, India

Preparing Anecdotal case studies, Integration document, Reference items, best practices for implementation of Citrus Product Suite.
Suggesting applications that can be employed to optimize the checkout process.

Payment specialist

Team Lead-Tech Support Technology

Apr 2013 – Jun 2014 · 1 yr 2 mos · Mumbai Area, India

Solely responsible for handling gateway integration for Top clients:
Inox Movies, GoAir, Akbar Travels, Changyou-Mobogenie, OML-NH7, Musafir, Esselworld, The Hindu, Faaso’s, Abhibus, Kaya Clinic, etc
Understanding the Client requirements for customization and executing the programming
Creating custom payment flows according to the client's requirements
Working on android, iOS and windows app integration
Executing multiple SSL, I-FRAME and MOTO integration under stringent deadlines
Assisting clients for queries pertaining to different integration languages
Worked with various banks like ICICI, BOB, HDFC for in-Citrus integration

Payment specialistTeam Management