Headline

Senior Product Manager · Payments Infrastructure & Applied AI | Subscriptions, Routing, AI Agents | 2M tx/day, 200+ merchants | Ex–Wells Fargo | IIT Kharagpur

About

I build payment systems that move millions — then use data and AI to make them measurably better. At Juspay, I own the subscription platform (UPI Autopay, SI on Cards, eNACH) and the routing layer across India, SEA, and MENA — 2M transactions/day at 400 TPS for 200+ merchants. I think in systems: APIs, failure modes, intelligent retry logic, and the operational discipline that keeps money moving at scale. More recently, I've been shipping AI agents into this infrastructure — automating error triage, classification, and moving toward self-serve incident resolution. What I've shipped recently: → Designed a configurable, issuer-aware retry engine with PSP failover that improved execution success rate by 4 percentage points across 200+ merchants. → Took notification delivery from 75% to 99% reliability through pre-debit validations, retry orchestration, and a structured failure taxonomy that reduced manual interventions. → Shipped AI-driven error classification agents that automate triage of 100+ new error types weekly — improving support efficiency and tightening feedback loops to engineering. → Launched Open Router — an open-source routing framework integrating 5+ gateways. Onboarded 25 merchants in 4 months and improved platform resilience. → Built an internal gateway simulator adopted by 65% of new onboardings, cutting integration time by 2 weeks. → Led the Integration Center of Excellence (13 cross-functional members); reduced escalation rate from 65% to 15% and production queries from 10/week to 4/week. Before Juspay, I was an Analytics Consultant at Wells Fargo — reduced banker demand by 10% (~$150M/year savings), shifted 12% of branch calls to digital (~$14M/year), and built segmentation models across 40M customers. Before that, I improved merchant prediction 5x at Envestnet Yodlee using data mining and ML models. Where I'm going: I'm deeply interested in the intersection of AI and complex operational systems — payments, infrastructure, developer tools. I'm building AI agents that shorten root-cause cycles, summarize logs and dashboards, propose next-best investigations, and turn error taxonomies into automated action. The bar is utility over novelty, with clear evaluation and guardrails. Background: MBA from IIT Kharagpur, B.Tech (CS) from NIT Silchar. TEDx licensee & convener (5M+ YouTube views). Toastmasters Club President. I like PRDs that engineers trust and coffee that's unreasonably good. Open to Senior PM roles in payments infrastructure, applied AI, or developer platforms — Bangalore, Dubai, Singapore, or remote.

Location

Bengaluru

AI stack

antigravity

opencode

Work experience

Product Manager at JUSPAY, Nov 2022 - Present · 3 yrs 10 mos, Bengaluru, Owned end-to-end subscription platform (UPI Autopay, SI on Cards, eNACH) and transaction routing layer across IN/SEA/MENA, operating at 2M tx/day and 400 TPS for 200+ merchants. - Improved platform execution success by +4pp by designing a configurable, issuer-aware retry engine with PSP failover, idempotency, and policy-based routing — adopted across 200+ merchants. - Increased notification delivery reliability from 75% → 99% by introducing pre-debit validations, retry orchestration, and a structured failure taxonomy, reducing operational load. - Launched an open-source routing framework (Open Router) integrating 5+ gateways; enabled faster merchant onboarding and improved platform resilience — 25 merchants in 4 months. - Built an internal gateway simulator to emulate PSP behaviors and edge cases, adopted by 65% of new onboardings, reducing time-to-integration by 2 weeks. - Led the Integration Center of Excellence (13 cross-functional members), defining SOPs, checklists, and integration playbooks; reduced escalation rate from 65% → 15% and production queries from 10/week → 4/week. - Drove platform observability by defining SLIs/SLOs and alerting across transaction, notification, and mandate flows — enabling proactive issue detection. - Developed and shipped AI-driven error classification agents to automate triage of 100+ new error types weekly, improving support efficiency and engineering feedback loops.

Analytics Consultant at Wells Fargo, Jul 2021 - Dec 2022 · 1 yr 6 mos, Bangalore Urban, Worked in Consumer Analytics to improve customer experience and branch efficiency across 40M+ customer accounts. - Reduced banker demand by 10% (~$150M/year savings); shifted 12% of branch calls to Digital/IVR (~$14M/year savings). - Developed customer segmentation models informing a $400M strategy to move deposits into insurance and credit products. - Replatformed legacy reporting infrastructure; reduced analyst time by 80% and improved visualization quality. - Analyzed pre/post-Covid behavior shifts for 40M customers to inform omnichannel strategy. - Awarded Team Spotlight for organizational impact. Wells Fargo Recognition Level 4 (global).

Data Analyst at Godrej Housing Finance, Jun 2020 - Aug 2020 · 3 mos, -Identified Business Use Cases and analyzed the feasibility of digital verification of customers - Designed a model to predict physical verification requirements that would bring down costs for the company up to INR 15 - 20 Lakhs per year using Fuzzy Matching - Liaison with multiple stakeholders to consolidate key performance metrics for the organization - Delivered a POC for KPI Dashboard that served as model for organization-wide implementation

Senior Software Engineer at Envestnet | Yodlee India, Mar 2019 - Jun 2019 · 4 mos, Bangalore, - Improved merchant prediction by 5x using data mining and ML models; reduced validation time by 95% (40 → 2 man-hours). - Built and owned payroll analytics panel; recognized as MVP (Top 1% of employees). - Led a team of 6 for financial transaction data extraction using Python, SQL, and Spark. - Developed an algorithm based on the 80/20 rule that cut time-to-market by 1 day through automation.

Software Engineer at Envestnet | Yodlee India, Jul 2017 - Feb 2019 · 1 yr 8 mos, Bengaluru, Karnataka, India

Consultant at Constems-AI Systems Pvt Ltd, Nov 2016 - Mar 2017 · 5 mos

Education

Master of Business Administration - MBA, Indian Institute of Technology, Kharagpur

Bachelor's degree, Computer Science and Engineering, NIT Silchar