---
title: "Aditya Chandrayan - Senior Product Manager in Bengaluru | Tal"
description: "Meet Aditya Chandrayan, Payments Product Leader @ Amazon | CSM® | Ex-Deloitte and HSBC | MDI Gurgaon based in Bengaluru. AI stack includes claude code, kiro, and lovable."
image: "https://tal.club/meet/aditya-chandrayan/share-image"
---

# Aditya Chandrayan on Tal

## 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

[View the original profile](https://tal.club/meet/aditya-chandrayan)

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