Headline

Payments Product Leader @ Amazon | CSM® | Ex-Deloitte and HSBC | MDI Gurgaon

About

I specialize in building and scaling high-availability payment systems that sit at the intersection of complex financial regulations and seamless customer experiences. Currently, as a Senior Product Manager at Amazon Pay, I lead the evolution of the Merchant Experience charter, architecting the systems responsible for settlement, transaction processing, and reconciliation for a massive ecosystem of online and offline partners while simultaneously enabling seamless onboarding for our merchants and streamlining their manage payments journey. My career is defined by a deep understanding of the Payments Lifecycle. From spearheading industry-first implementations like Card Tokenization and 3DS 2.0 to automating complex refund operations, I have a proven track record of transforming manual, high-friction processes into streamlined, automated product features. What I bring to the table: • Product Strategy & Execution: Expert at navigating the "ambiguity-to-launch" phase. I’ve led large-scale migrations and launched self-service merchant platforms that significantly reduced operational overhead and improved partner satisfaction. • Technical Deep-Dive: I leverage a technical foundation in AWS, SQL, and API architecture to work side-by-side with engineering teams, ensuring our infrastructure is as robust as our user interface. • Operational Excellence: A background in Deloitte’s Operations Transformation practice and HSBC’s banking units allows me to design products that aren't just innovative, but are also compliant, scalable, and risk-mitigated. • Stakeholder & Change Management: Experienced in leading cross-functional teams and managing complex integrations with banks, payment aggregators, and internal business units during high-stakes events (like the Amazon Great Indian Festival). Core Competencies: - Merchant Onboarding, KYB/KYC, Regulatory compliance backwards of PA guidance - Set up and scale PG LOB for Amazon Pay external merchants org - Payments Infrastructure (Transaction Processing, Settlements, Refunds, Rewards) - Merchant Experience (UX/DX) - API Product Management - Regulatory Compliance (RBI/NPCI) - Program Management and Agile Leadership - Data-Driven Decision Making (Tableau, QuickSight, Python)

Location

Bengaluru

AI stack

claude code

kiro

lovable

Amazon Q Developer

Vercel AI SDK

Work experience

Senior Product Manager at Amazon Pay India, Sep 2025 - Present · 1 yr, India, Senior Product Manager leading key initiatives on Merchants Experience, Onboarding, Settlement, Transaction processing and acceptance.

Manager Program Management at Amazon Pay India, Oct 2024 - Sep 2025 · 1 yr, Bengaluru, Karnataka, India, Managing key programs on driving success rate improvements across multiple payment instruments, banking alliances and rewards operations, and refined experience.

Program Manager II at Amazon Pay India, Apr 2022 - Oct 2024 · 2 yrs 7 mos, Essentially doing five things: 1. Ensuring your transactions on Amazon go through in a seamless manner 2. Making sure your refund comes through, just in case I fail in #1, 3. Helping you, use all your cards on Amazon, along with the host of offers applicable 4. Using your transaction data to make your shopping experience better from a pay perspective 5. And making sure that those who provide these exciting products to you, get paid for their products and services. I also ensure that you have a ball during Amazon sale seasons with payment experience being the least of your concerns. Finally, referring you to Amazon, we are always looking out for great talent.

Consultant - Operations Transformation at Deloitte India (Offices of the US), May 2021 - Apr 2022 · 1 yr, Bengaluru, Karnataka, India, As a transformation consultant for Deloitte USI in India, I work primarily with US clients to drive product development and operations transformation. I have helped clients perform deep competition benchmarking, product gap analysis, delivery transformation, and data-driven decision-making across various stages of software and non-software delivery lifecycles.

Associate Vice President - CRM and Analytics at HSBC, Dec 2020 - May 2021 · 6 mos, Mumbai, In my stint with the CRM team at HSBC, I am part of a team working extensively on customer lifecycle management and strategic communication. Utilizing the PEGA CRM for real-time communication, the team aims to drive positive impact across product penetration, revenue, and customer experience for the retail bank in India. The team also deep-dived to build customer journeys for customers in various life stages to drive engagement and reduce churn.

Associate Vice President - Product and Proposition at HSBC, May 2019 - Dec 2020 · 1 yr 8 mos, Mumbai Metropolitan Region, As a program manager for Employee Banking Services (EBS) in India, I looked after growth and operations for the segment in India. Liaising with multiple stakeholders from departments like marketing, sales, and product, I helped carve out a significant growth trajectory for the segment. Key metrics for the role involved executing new initiatives, driving key improvements across user experience and product offering with a deeper lens on driving acquisition, revenue per customer, product penetration within the segment, and reducing customer churn.

Summer Intern at HSBC Retail Banking and Wealth Management, Apr 2018 - May 2018 · 2 mos, Mumbai Metropolitan Region, Competitive analysis of the payroll segment in India. Employee banking solutions and formulation of strategy to give HSBC the right to win the segment. Received a Pre Placement Offer for the same.

Software Engineer at Tesco Bengaluru, Aug 2015 - Apr 2017 · 1 yr 9 mos, Bengaluru, Karnataka, India, As part of the grocery team at Tesco, I was responsible for development of Tesco's new web interface. I was also involved in support and testing for Tesco international. Additionally, I was part of a team which did research oriented development on new technologies to test future feasibility of these technologies for Tesco's core business.

Education

Post Graduate Program in Management, Marketing, Finance, Management Development Institute, Gurgaon

Bachelor of Engineering (BE), Computer Science, Sir M Visvesvaraya Institute Of Technology