Oct 2023 – Dec 2024 · 1 yr 2 mos · Bengaluru, Karnataka, India

• § Led a cross-functional team of 2 Product Managers and 1 Analyst, managing end-to-end product lifecycle for UPI and Third Party Online Merchant Checkout products — including market research, ideation, strategy, pricing, development, and go-to-market execution.
• § Managed product enhancements for UPI acquiring traffic of 2.8B transactions/month and ₹830B in value, focusing on success rate improvement, checkout conversion, and transaction/settlement/refund/reconciliation flows.
• § Designed product architecture and GTM strategy for RuPay Credit Card on UPI rails and PPI Wallet on UPI rails for both offline and online merchants; successfully launched the first-of-its-kind solution in India, resulting in Rs. 65 Mn in monthly revenue through payments.
• § Ideated and launched UPI Lite for small-value P2M transactions, reducing transaction time by 15% for 40% of volumes with a 98% success rate — a first-of-its-kind solution in India.
• § Built and launched UPI Plugin SDK for online merchants, offering seamless integration for full-stack UPI payment capabilities.
• § Developed and deployed modules to link new UPI-enabled bank accounts at merchant checkout and wallet sections, adding 350,000+ new bank links per month across Paytm verticals.
• § Led compliance alignment with NPCI for Ultimate Beneficiary flows in UPI Intent, Collect, and Push journeys, resulting in an 8-month reduction in merchant onboarding timelines.
• § Conceptualized and launched P2M UPI Collect via UPI Number/Phone Number, the first in the fintech ecosystem, delivering a 10% improvement in transaction success rates.
• § Led UPI acquiring integrations with 6 major banks (ICICI, HDFC, Yes Bank, Axis, Kotak, Fino) within a 2-month timeline and successfully migrated 2.1 lakh+ online merchants to Paytm's new UPI switch handles. § Improved UPI Collect success rate by 10% through backend routing optimization based on acquiring bank health and success rates, coupled with front-end UI/UX enhancements on hosted checkout flows

Dec 2021 – Sep 2023 · 1 yr 9 mos · Bengaluru, Karnataka, India

Apr 2020 – Oct 2021 · 1 yr 6 mos · On-site

• § Part of the founding product team (1 of 3 PMs) leading zero-to-one initiatives to digitize retail merchant experiences across payments, commerce, and engagement; focused on rapid MVP delivery and product-market fit.
• § Led the ideation, development, and launch of an API Banking solution for POS devices, resulting in onboarding of 4 new partner organizations, acquisition of 9,000+ merchants, and a 20% increase in revenue.
• § Formulated and executed a 3-year strategic roadmap for forward and backward digital integration of retail merchants, in collaboration with senior stakeholders and cross-functional teams.
• § Proposed, designed, and launched a B2B2C Hyperlocal E-Commerce platform, enabling end-to-end retail supply chain digitization. Delivered a 20% increase in unit sales and 25% growth in revenue through integrated applications for distributors, merchants, and endcustomers.
• § Developed and implemented a digital Loyalty Program for retail merchants leveraging usage of QR and UPI payment modes. Achieved a 36% reduction in churn, 94% increase in customer signups, and 62% uplift in Net Promoter Score (NPS).
• § Designed and deployed the onboarding flow for a new Tap-on-Phone payment acceptance feature, enhancing user experience and adoption for a leading merchant acquiring partner.

Apr 2019 – Mar 2020 · 11 mos · On-site

Apr 2018 – May 2019 · 1 yr 1 mo · Hyderabad Area, India

• § Delivered revenue metric analysis and executive presentations to US clients in Financial Services with $50B+ revenue, influencing data-driven decision-making and strategic planning.
• § Led cross-functional teams in preparing RFP responses, including detailed project plans, effort estimations, and growth-oriented technical initiatives across the organization.
• § Managed a 20+ member team for ETL projects using Visual Studio, Power BI, and SQL; served as Scrum Master, leading sprint planning, story point estimation, and retrospectives.
• § Spearheaded DevOps transformation, driving company-wide Continuous Integration/Delivery (CI/CD) adoption to enhance deployment velocity and operational excellence.
• § Identified AI/ML implementation opportunities in client projects, authored white papers, and led execution through cross-functional teams, enabling automation, predictive analytics, and business innovation.

Apr 2017 – Jul 2017 · 3 mos · Hyderabad Area, India · On-site

•  Analysed financial health of insurance client and projected future DWP and PIF count for various products and overall company
•  Projected cash flows of the project to Capgemini for the next 6 years based on project plan and use of resources offshore
•  Designed per policy-based subscription pricing model based on the NPV of project with policy price control for initial years.
•  Provided insights on how IoT (Internet of Things) can be used for different industry sectors with focus on various Insurance industry processes.
•  Designed a plan for implementation of IoT along with prerequisites for an Insurance firm with POC on Home Insurance

Feb 2015 – Jun 2016 · 1 yr 4 mos · On-site

• § Led industry and business analysis for European BFSI clients with over €3B in revenue, delivering insights to improve internet banking performance and optimize end-to-end system flows.
• § Translated high-level requirements into structured functional modules, use cases, and technical wireframes, guiding development through clearly defined J2EE architecture and product roadmaps.
• § Spearheaded a 3-member engineering team, managing daily task allocation, milestone planning, and cross-functional alignment with Netherlands-based architects to ensure adherence to enterprise design standards.
• § Engineered high-performance J2EE modules to optimize document retrieval during peak usage periods—reducing fetch time by 100x— and received client accolades for impact and delivery.
• § Designed and deployed a scalable Spring Batch solution to transfer customer data from mainframe to midrange, increasing data processing efficiency by 60% and reducing latency.
• § Developed knowledge management assets including flow diagrams and technical design documents to streamline handovers, code traceability, and long-term maintainability across global teams.
• § Championed secure coding practices using Sonar and AppScan, and collaborated within a SCRUM-based Agile team of architects and developers across India and the Netherlands to deliver enterprise-grade solutions.

Oct 2013 – Jan 2015 · 1 yr 3 mos · On-site