Aug 2024 – Sep 2025 · 1 yr 1 mo · Bengaluru, Karnataka, India · On-site

• Heading Omni Payments (In-Store as well as Online)

Mar 2023 – Aug 2024 · 1 yr 5 mos · Bengaluru, Karnataka, India · On-site

• Heading Online Payments (aka Plural)
• 🚀 Scaled & Modernised the Plural Product Suite – Gateway, Affordability, Cross-Border, Subscriptions, Payouts, Links, Tokenisation, Merchant Onboarding, Growth Hub, and Embedded Finance.
• ⚡ Drove measurable impact – Card SR ↑ 22.8%, onboarding time ↓ 75%, UPI refunds 31.1% faster, settlements → same-day & on-demand, checkout redesigned → conversions up, clunky UI out.
• 🤖 Accelerated innovation – Embedded AI across execution: conversational payments, MCC detection, integration assistant, merchant sentiment.
• 📉 Optimised org efficiency – Costs ↓ 20% while preserving delivery velocity; restructured PM org for scale.
• 🔧 Transformed DevX – Integration time ↓ 41.5%, developer satisfaction ↑ from 7.2 → 9.7/10.
• 🛡 Strengthened reliability – ownership-driven SRE, real-time SR monitoring, proactive alerts over firefighting.
• 🌍 Amplified market presence – trusted by CRED, Zerodha, Zepto, Reliance Retail, Samsung, Flipkart, Amul, OnePlus, PUMA, Dell & more.
• 📊 Embedded data culture – SQL-backed decisions, adoption at 100% dashboards, no gut calls.

Feb 2021 – Feb 2022 · 1 yr · Bengaluru, Karnataka, India

• 💼 Owned and scaled the full suite of core business products across Offline Payments, Merchant Payments & App, EMI/PayLater, Online/Plural, and SME Banking, defining and executing the product strategy for Pine Labs’ flagship businesses.
• 👥 Built a powerhouse product team of 30+ PMs from scratch, instilling a culture of ownership, speed, and measurable impact.
• 📱 Launched ePOS for small merchants, driving 60K downloads in just 2 months and delivering ~INR 13 Cr in monthly GTV, opening up a brand-new merchant segment.
• 📈 Scaled UPI payments from INR ~270 Cr/month to ~INR 900 Cr/month, by building multi-bank UPI solutions that made Pine Labs a major player in India’s most competitive payments rail.
• 💳 Took Plural Payment Gateway from pilot to scale, growing from ~600 transactions/day to 20K+/day, driving ~INR 1600 Cr GTV, and establishing it as a credible online payments engine.
• 📊 Transformed EMI/PayLater products, scaling from 75K txns/day to 250K/day and achieving a 12x GTV increase in under a year, cementing Pine Labs’ leadership in consumer financing.
• 💸 Unlocked INR ~20 Cr in annualized revenue by enabling merchants with early fund settlements, strengthening merchant stickiness while improving Pine Labs’ margins.
• ⚙️ Automated Aggregator Settlements across payment methods, taking throughput from INR ~250 Cr/month to INR ~1500 Cr/month in just 6 months, driving reliability and operational scalability.

Feb 2022 – Mar 2023 · 1 yr 1 mo · Bengaluru, Karnataka, India

• 🚀 Launched multiple new consumer lending products like Cicil and Pinjam, which didn’t just meet expectations, they blew past them, achieving 200% of first-year targets and powering a 30% uplift in division-wide revenue.
• ⚡ Built and scaled a cross-functional team that redefined execution speed, driving a 40% jump in loan applications while slashing processing time by 20%, setting a new benchmark for efficiency.
• 💸 Introduced a dynamic pricing model that unlocked smarter unit economics, boosting portfolio profitability by 15%, while ensuring lending remained competitive and customer-first.
• 📊 Listened to the market and our customers, using deep research and feedback loops to prioritize product features that mattered most, leading to a 25% surge in customer satisfaction.
• 🛡️ Strengthened credit risk management by implementing a robust system that cut portfolio delinquencies by 10%, balancing growth with financial prudence.
• 🤝 Forged strategic partnerships with top lenders and financial institutions, massively expanding product breadth and customer reach, transforming the division into a lending ecosystem rather than just a single play.
• 🔥 And above all, embedded a culture of innovation and experimentation in the product team, fueling a pipeline of new products and features that continued to raise the bar year after year.

Jul 2019 – Jan 2021 · 1 yr 6 mos

• 💰 Responsible for scaling GoPay into one of Southeast Asia’s largest payments platforms, processing $6.3B+ in annualized GTV, with operations across Indonesia, Singapore, Vietnam, Thailand, and the Philippines.
• 🔒 Drove a 70% reduction in reported Account Takeover (ATO) cases within 6 months, boosting consumer trust scores to the 2nd highest in the country, strengthening GoPay’s reputation for safety and reliability.
• 📈 Doubled the number of KYCed Monthly Transacting Users (MTUs), ensuring a stronger base of quality, verified users and creating a foundation for sustainable financial services adoption.
• 👥 Built and scaled a cross-market product organization of ~20 Product Managers and Analysts across Indonesia, Singapore, and India, fostering collaboration and speed at scale.
• 🌏 Created the largest and stickiest user base for payments in Southeast Asia, by equipping users, drivers, and merchants with secure, delightful, and reliable experiences that locked them into GoPay’s ecosystem.
• 📊 Institutionalized a culture of data-driven decision making—coaching teams on business case formulation, experiment design, and measurement frameworks, making GoPay a leader in product rigor and experimentation.
• 🤝 Partnered with engineering and data science teams to build intelligent, ML/AI-powered systems, enabling personalized, scalable, and delightful payment journeys for millions of users.

Jan 2017 – Jun 2019 · 2 yrs 5 mos

• 📲 Launched GoBills, GoPay’s digital bill payment ecosystem, and scaled it to ~500K daily transactions across recharges, utilities, gaming, and more in less than a year, creating a new high-frequency use case for users.
• 🚀 Championed innovative ideas and decisive product bets that differentiated GoPay against fierce competition, reinforcing its position as the preferred payments choice in the region.
• 🤝 Forged unique and strategic partnerships with global and local leaders, including Google, Facebook, and smart-parking providers, driving innovation in payments and contributing to ~20% of GoPay’s MTU base.

Jul 2014 – Oct 2016 · 2 yrs 3 mos · Bengaluru Area, India

• 💡 Headed the engineering division of 50+ people, spanning R&D, QA, Design, Operations, Support, and Product, building a strong, multidisciplinary org to power growth.
• 🛠️ Directed technical architecture and product experience, covering system design, performance, information architecture, and usability, ensuring GoPay products were both robust and delightful.
• 📈 Drove scalability across the platform by proactively identifying bottlenecks, refactoring critical flows, and designing new features to scale horizontally for millions of users.
• 🔬 Pioneered cutting-edge tech initiatives including Geofencing, iBeacon, and peer-to-peer connectivity (iOS Multipeer, Android WiFi Direct), to create differentiated, high-efficiency user experiences.
• ⚙️ Deep hands-on expertise with Node.js, Firebase, MongoDB, MySQL, AWS (ELB, SQS), and Elasticsearch, combining modern stacks with scalable design principles.
• 📊 Leveraged Mixpanel analytics to shift the product culture from vanity metrics (page views) to action-driven measurement and experimentation.
• 👥 Built and scaled technical talent pipelines, leading hiring, training, retention, and team development to create a high-performing engineering org.

Jan 2013 – Jul 2014 · 1 yr 6 mos · Gurgaon, India

• 🚀 Headed the engineering division, driving management, implementation, growth operations, and delivery of the business plan with a clear focus on maximizing business value and minimizing time-to-market.
• 🤝 Aligned stakeholders and development teams around measurable product goals, actively involving business leaders in the product development process to ensure relevance and adoption.
• 👥 Built a high-performing engineering org by recruiting senior engineers, mentoring teams, and conducting performance reviews, creating a culture of ownership and accountability.
• 📲 Launched impactful product features across consumer apps and merchant/ops portals, driving +30K monthly new users, a 30% uplift in conversion rates, and 97% growth in new merchant signups.
• ⚡ Overhauled engineering & product processes (Agile, code reviews, best practices), cutting time-to-market from 3 months to near-zero. This enabled rapid scaling to 4M+ users (1M+ active) and positioned the company for its eventual acquisition by Hike Messenger.

Oct 2005 – Aug 2011 · 5 yrs 10 mos · Pune, Maharashtra, India

• 👥 Led a 15-member cross-functional team spanning project management, delivery, IT operations, and client services, while also serving as a solution architect and consultant for enterprise clients.
• 🏆 Recognized with 15+ client and employer awards, two out-of-turn promotions, and twice nominated for the Top Talent Program (top 2% of Symantec India employees).
• 📌 Drove product requirements definition by consolidating inputs from customers, partners, sales, engineering, and competitive research into cohesive, market-driven deliverables.
• 🗣️ Conducted Customer Councils to capture direct client and partner feedback, translating insights into tailored technical solutions built on Symantec’s offerings.
• 📑 Authored MRDs, use cases, and functional specs, collaborating with US and India teams to rapidly configure and demo solutions that addressed critical customer needs.
• 📢 Partnered with the VP of Product & Marketing to craft product positioning and collateral (data sheets, whitepapers, go-to-market material), strengthening Symantec’s competitive edge.
• 🎤 Represented Symantec at customer briefings, industry conferences, and analyst sessions, delivering technical presentations, whitepapers, and product demonstrations.
• 💡 Acted as a subject matter expert across IT strategy, compliance, and solution customization — especially for financial services and high-tech clients — ensuring deployments aligned with business and regulatory requirements.

Jun 2004 – Oct 2005 · 1 yr 4 mos · Pune, Maharashtra, India

• 🚀 Led enterprise Product Lifecycle Management (PLM) initiatives for global giants like Boeing and Volvo, gathering technical and business requirements, building product roadmaps, and shaping long-term strategy.
• 📊 Defined and tracked key performance metrics through dashboards, driving adoption and performance. Leveraged Agile practices to lead cross-functional teams in taking corrective actions and ensuring delivery excellence.
• 🛠️ Bridged business and engineering by conceptualizing solutions across multiple Microsoft technologies (C#, .Net, ASP.NET, Silverlight, MFC, SQL, Windows) and scripting languages. Translated business needs into detailed functional specifications that enabled engineering to ship features aligned to enterprise requirements.

Jul 2002 – Apr 2004 · 1 yr 9 mos · Nagpur, Maharashtra, India

• ⚡ Consistently rated as a top performer for designing, developing, and testing high-performance Windows/VC++ modules, delivering reliable and scalable enterprise solutions.
• 🏅 Recognized for process excellence, serving as a core member of the Software Engineering Process Group and contributing to TickIT: ISO 9001 certification, a testament to strong engineering rigor and passion for quality.
• 👥 Worked in a focused team of 5, specializing in solution design while building a foundation in structured software engineering and quality-driven delivery.