Proven fintech product leader with deep expertise in building and scaling enterprise payment systems, digital platforms, and transaction-critical solutions. Demonstrates hands-on experience in product management, service delivery, operations, and business strategy across the complete fintech stack—from core banking infrastructure to modern API-driven payment ecosystems.
Track record of establishing product engineering excellence at startups, leading complex client implementations at global firms, designing high-availability transaction flows at payment networks, scaling resilient platforms, and operationalizing machine learning for credit decisioning and automation.
Focus on high-availability payment transaction systems including credit processing, prepaid solutions, debit card services, payment gateways, authentication solutions, reconciliation and settlement systems, and emerging digital payment platforms.
Comprehensive experience across the entire payments and fintech technology stack, from foundational core banking systems to cutting-edge digital payment platforms and AI-driven solutions.
Core Banking Systems, Cheque Truncation System (CTS), transaction processing engines, and settlement infrastructure
Credit, debit, and prepaid card processing systems; card management platforms; rule-driven issuer workflows; POS integrations
Payment Services Hub, payment orchestration platforms, payment gateway solutions, and multi-channel transaction routing
Authentication solutions, risk controls, transaction security, high-availability security architectures
Reconciliation systems, settlement frameworks, transaction validation, clearing mechanisms, and reporting infrastructure
UPI stack implementation, BBPS (Bharat Bill Payment System), digital payment platforms, API-driven payment ecosystems
Digital Line of Credit propositions, ML-driven credit decisioning, automated underwriting, credit risk assessment
ML model operationalization, credit decisioning automation, predictive analytics, production deployment, and MLOps
Strategic leadership across diverse fintech product categories with proven ability to develop propositions, scale operations, and drive market adoption.
Built propositions for card, prepaid, and credit (digital line of credit) products. Operationalized ML-driven credit decisioning and automation, moving models into production and reducing decision cycles while improving accuracy.
Built and scaled fintech and enterprise products across startups and global firms, each role adding strategic expertise and operational excellence.
A progression from foundational fintech systems to advanced AI-driven platforms, building products at every scale and stage.
Established core product engineering and full-stack delivery excellence, building fintech foundations and establishing development rigor at startup stage.
Led client implementations and managed complex integrations, developing deep expertise in enterprise project delivery and client success at scale.
Deepened payments and transaction expertise by designing high-availability transaction flows, implementing risk controls, and working within mission-critical payment networks.
Scaled global networked platforms, implemented resilience architecture, and established observability frameworks for managing global infrastructure.
Drove digital transformation initiatives and developed market-aligned product roadmaps, connecting technology strategy to business objectives.
Optimized transaction-heavy banking systems for performance, reliability, and scalability in demanding production environments.
Delivered retail and point-of-sale integrations and built partner enablement programs for expanding market reach and channel success.
Specialized in card-management platforms and designed rule-driven issuer workflows for managing complex card program requirements.
Operationalized machine learning for credit decisioning and automation. Successfully moved ML models into production, improving decision velocity and accuracy in digital lending.
Thought leadership and insights on fintech innovation, payment systems, digital transformation, and emerging technologies shaping the financial services industry.
On August 7, 2025, a nationwide disruption hit UPI payments across major apps and banks. It exposed a hard truth: India’s digital economy runs on a single rail and a handful of apps. When that rail stumbles, the shock cascades from kirana stores to cabs, pharmacies to transit—choking cashflows and eroding trust.
Read More →For last few years, my expertise has centered on card issuance and payments infrastructure, with a strong focus on UPI. However, recent engagements with banking stakeholders have expanded my horizon into reconciliation, settlement systems, Payment Services Hub (PSH) initiatives, CBDC projects, and payment orchestration platforms.
Read More →The credit card industry stands at a pivotal juncture in India's evolving financial landscape. With rapid digital adoption, shifting consumer preferences, and an increasingly competitive market, banks and fintechs must rethink their strategies to build sustainable, profitable card portfolios.
Read More →Against a backdrop of sustained growth in card-based payments, the global card issuance business finds itself at a pivotal moment. This established industry now faces the dual forces of rapidly expanding real-time payment systems and ongoing industry consolidation, creating both significant opportunities and considerable challenges.
Read More →The buzz around New Umbrella Entity (NUE): Retail Payment revenue stream intrigued me to throw some light on digital payment initiatives beyond National Payments Corporation Of India (NPCI)'s UPI. Because most of them are worried about UPI not being chargeable and how New Umbrella Entity (NUE) is going to make money.
Read More →B2B sales in India's Enterprise BFSI sector, particularly with Public Sector Banks (PSBs), face significant challenges like bureaucratic procurement processes, regulatory compliance, extended sales cycles (6–18 months), and intense competition from FinTechs.
Read More →Looking to build next-generation payment systems, scale digital platforms, or transform fintech operations? Let's discuss how deep product expertise, proven execution, and strategic thinking can drive your fintech initiatives forward.
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Rotary Club Kharghar Midtown Member
Active member of Rotary Club Kharghar Midtown, contributing to community development, professional networking, and social impact projects in Navi Mumbai. RC Kharghar Midtown →
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Rotary Philosophy: Membership embodies the principle of "Service Above Self" and reflects ongoing commitment to local and global causes through community engagement and social responsibility.