Oct 2022 – Mar 2026 · 3 yrs 5 mos · On-site

• ✦ Scaled CASHI - Walmart Mexico’s flagship digital payments and financial platform. Expanding its capabilities to include neo-bank accounts, affordable credit, cross-border remittances, bill payments, and prepaid food vouchers.
• 🚀 Cashi became one of Mexico’s most downloaded financial services apps, empowering millions to manage money safely and effortlessly.
• Drove product-led growth. Embedded Cashi within Walmart’s omni-channel ecosystem - to leverage the customer base, drive adoption and deepen customer engagement.
• Led strategic evaluation, and integration planning for Walmart’s acquisition of Trafalgar (Mexico, Apr 2023), a strategic buy to enable neo-banking services.
• Led product portfolio strategy, secured internal funding, and built high-performing cross-border teams to deliver consistent impact year over year.
• 🏅Received the “Impact Award” (Aug 2022) for outstanding contribution and lasting impact on Walmart’s fintech and digital payments initiatives.

Nov 2020 – Sep 2022 · 1 yr 10 mos · On-site

• 🚀 Conceived and launched CASHI - Walmart Mexico’s first digital payments and financial services app—focused on driving financial inclusion and customer engagement.
• Defined the early product strategy and experience, including prepaid wallet and core digital payment capabilities, aligned with Walmart’s omni-channel vision.
• Built and led high impact, cross-functional teams across product, engineering, design, and operations to deliver this strategic platform in record time.
• Established foundational data infrastructure and real-time customer feedback loops to drive continuous improvement.

Oct 2019 – Oct 2020 · 1 yr · On-site

• Led the product efforts to optimize the Purchase journey – covering Cart, Checkout, Fraud Management, Payment Processing - for Walmart International’s eCommerce business in Mexico. driving measurable improvement in user experience and reliability.
• ✦ Drove a 2x increase in online payment adoption on Walmart Mexico’s eCommerce platform (from ~30% to ~65%) and boosted payment conversion from 70% to 85% by revamping checkout UX, expanding payment options, and enhancing fraud and processing systems.

Nov 2012 – Aug 2019 · 6 yrs 9 mos · Bengaluru Area, India · On-site

• 🚀 Launched the world’s first Chip & PIN mobile POS—an innovation that slashed the cost of POS devices from $250 to $20, making digital payments radically more accessible. This triggered the growth journey of Ezetap. Generating $5M in hardware and $450K+/month SaaS revenue.
• Transformed Ezetap into a full-stack, customizable universal payment acceptance platform—enabling enterprises to accept UPI, cards-on-file, wallets, QR, and SMS-based payments through a customizable solution.
• Drove adoption across diverse sectors including e-commerce (Amazon, Myntra, BigBasket), insurance (Bajaj Allianz), telecom (Airtel), retail (Dominos), government (Bangalore & Delhi Traffic Police) and oil & gas (IOCL, HPCL)—powering 100% of their offline payments. This significantly accelerating enterprise adoption.
• Drove cross-border expansion into Malaysia, gaining insights into international growth. Paused after 1 year of effort due to strategic re-alignment.

Jan 2007 – Oct 2012 · 5 yrs 9 mos · Bengaluru, Karnataka, India · On-site

• 🚀 Built ngpay, the world’s first mobile marketplace (“Mall on Mobile”), enabling customers to shop, pay bills, order food and book tickets (air, rail, bus, movies, events) - all through a single app.
• Launched India’s first mobile banking services with HDFC and Axis Bank, pioneering financial access via mobile.
• Monetized the platform through contextual ads & cross-promotions, contributing 25% of company revenue
• ✦ By 2012, ngpay was trusted by 150+ brands and 2M+ users, achieved $90M in annual GMV, and processed 18M fund transfers (8% share).
• 🏅Was elected as a member of the technical committee of the Mobile Payment Forum of India (MPFI) for FY 08-09.
• 🏅 ngpay was recognized for breakthrough innovation by Manthan (2008), World Economic Forum (2009), GSMA (2009)

Aug 2005 – Jan 2007 · 1 yr 5 mos · Bengaluru, Karnataka, India · On-site

• Responsible for evaluating financial feasibility of all new and existing support services being delivered out of the three global delivery centres in Bangalore, Costa Rica and Dalian.
• ✦ Designed and implemented a Cost-per-Call-Minute (CPCM) model to assess the financial viability of support services—ensuring accurate cost-plus transfer pricing and eliminating biases in pricing allocation.
• Responsible for month-end financial closing and reporting including billing, reporting monthly financial package with detailed variance and trend analysis for the Bangalore centre.
• 🏅 Awarded ‘Most Valuable Contributor’ for the year 2005-2006 for designed and implemented Cost-per-Call-Minute (CPCM) model.

Jun 2004 – Jul 2005 · 1 yr 1 mo · Chennai, Tamil Nadu, India · On-site

• Built a scalable, automated framework to fetch financial data of the customers from diverse sources to provide an aggregate view of customer's financial position — improving customer trust, and usability.
• Modelling customer requirements into product specifications and liaising with development engineers.

Mar 2004 – May 2004 · 2 mos · Gurugram, Haryana, India · On-site

• Evalueserve Pvt. Ltd., a full-service KPO in, Gurgaon. The company provides customized business intelligence service to its clients in North America, Europe and Asia.
• My project was related to fundamental analysis of companies in Europe using Cash Return on Capital Investment (CROCI) model for an investment bank in Europe.

Apr 2003 – Jul 2003 · 3 mos · Mumbai, Maharashtra, India · On-site

• • My project was to formulate strategies to hedge commodity price and foreign exchange risk using derivative instruments.

May 2001 – Apr 2002 · 11 mos · Kolkata, West Bengal, India · On-site

• Designed and launched eBRMonline.com, a cloud-based platform for SMEs (Small & Medium Sized Enterprises) that streamlining key workflows - customer management, dues tracking, inventory, and customizing price for different customer segments.
• Planned a B2B portal www.eMobileB2B.com - to sell mobile phones and accessories.

Jun 1999 – Feb 2001 · 1 yr 8 mos · Kolkata, West Bengal, India · On-site

• Conceptualized and launched one of India’s earliest online real estate portals, enabling users to search, buy, rent, and access a full range of property services from one platform.
• While the platform showed promise, I was unable to scale it as intended, and ultimately had to shut it down. The experience provided valuable insights into product development and market dynamics.