Oct 2020 – Jan 2023 · 2 yrs 3 mos · San Francisco Bay Area

Mar 2020 – Present · 6 yrs 3 mos · San Francisco Bay Area

Apr 2018 – Sep 2020 · 2 yrs 5 mos · San Francisco Bay Area

Sep 2016 – Apr 2018 · 1 yr 7 mos · San Francisco Bay Area

• Spearheaded end-to-end global product strategy and operations for the gift card lifecycle—including issuance, fulfillment, distribution, processing, customer acquisition, risk, data, billing/settlement, and customer service—driving multi-billion-dollar transaction flows across retail, e-commerce, and enterprise partners.
• Platform Innovation & Scale: Designed and launched Keystone, a proprietary global payment processor for Visa, Mastercard, Amex, and Discover, integrated directly with PoS systems worldwide to handle millions of secure daily transactions with built-in real-time analytics and anomaly detection.
• AI/ML in Risk & Fraud: Pioneered the use of early machine learning models and predictive analytics for fraud detection (prior to today’s GenAI era), cutting fraud losses by double-digit margins and establishing the foundation for modern AI-first fraud prevention frameworks.
• Customer Experience & Personalization: Delivered a new e-commerce platform leveraging data-driven recommendation engines and behavioral modeling to tailor offers, increase conversions, and reduce chargebacks through proactive fraud checks.
• Data-Driven Ecosystem Growth: Unified hundreds of third-party integrations into a single API, embedding usage analytics that reduced onboarding time from months to weeks and unlocked rapid global revenue growth.
• Operational Intelligence: Transformed risk management, billing, and settlement systems with predictive forecasting and automated exception handling, significantly lowering costs and friction for customers and partners.
• Leadership in Data & AI: Built and led global product teams that brought together engineering, data science, and operations to deliver resilient, scalable, and compliant financial platforms—demonstrating AI leadership long before GenAI innovation.

Aug 2015 – Sep 2016 · 1 yr 1 mo

• Product head - PayPal Data/Analytics Platform.

May 2012 – Aug 2015 · 3 yrs 3 mos

• Create and grow profitable Payment products with delightful user experience particularly at the intersection of mobile, payments, social and digital advertising.

May 2010 – May 2012 · 2 yrs

• I was responsible to take Microsoft Azure to China/Japan by customizing the offering to meet government regulations. Apart from taking Azure to these countries, I was responsible to build private could for financial institutes. Defined variety of features to extend and enable IaaS (Infrastructure as a Service) and PaaS (Platform as a Service) offerings of Microsoft Azure, with focus on RESTful (REST based) and SOAP based APIs for the external customers to manage their services in the cloud at scale while maintaining continuous availability & security across a variety of workloads and markets.

Jul 2006 – May 2010 · 3 yrs 10 mos

• Paid Search online Advertising is Microsoft’s key strategic investment to win against Google in search market. Online advertising is a growing business and it is expected to be more than $300 billion business in next few years.
• Product Leader of architecture and development of new advertising selection and ranking system that is core to adCenter revenue engine. Synthesized complex, multi-source, multi-dimension results from research on technology trends, market trends and social trends, which resulted in transforming existing, new and emerging ads products

Feb 2003 – Jun 2006 · 3 yrs 4 mos · Miramar Fl

• Led a team of around 100 product managers/engineers located in different geographical location (EMEA, JAPA, US and LAC). Global leader of American Express global new accounts business. Managed stretegic Costco relationship for global new accounts and transaction authorization. Lead integration with small business data from Dun and Bradstreet into Amex global new account system to improve the line of credit for small businesses. Overall product owner for system re-architecture to reduce the online application approval time from several minutes to less than 30 seconds.

Apr 2001 – Jan 2003 · 1 yr 9 mos · Greater Seattle Area

• Building DWH for internal intranet