Headline

Lead Product Manager at PayPal

About

I am a Lead Product Manager at PayPal with over a decade of experience driving fintech innovation. My expertise lies in building 0-to-1 products, optimizing dispute and chargeback ecosystems, and managing complex global stakeholders. I have a proven track record of delivering millions in operational savings through data-driven strategies, AI-led automation, and user-centric design. Committed to fostering high-performance teams, I focus on scalable solutions that bridge technical complexity with business growth.

Location

Bengaluru, Karnataka

AI stack

claude code

claude

ChatGPT

Work experience

Lead Product Manager at PayPal, Mar 2025 - Present · 1 yr 5 mos, Bengaluru, Karnataka, India, Global Product Solutions Building local to global products for PayPal which impacts millions of users across the globe. Making PayPal's wallet to as a service model which can create impact across payment business across the globe Experience across working with consumer research, GTM teams to build a 0 to 1 product. Worked across with multiple risk teams to evaluate on boarding, transaction and post transaction risks Adhere to all market compliance regulations , legal and regulatory impact in different geographies

Senior Product Manager at PayPal, Apr 2023 - Mar 2025 · 2 yrs, Chennai, Tamil Nadu, India, • Led PayPal Chargebacks strategy in partnership with merchants, CSMs, and networks — boosting checkout share, accelerating dispute resolution, cutting ops costs, and enhancing customer/merchant outcomes. • Improved merchant chargeback protection policies — Introduced enhanced protection measures for large enterprise merchants, incentivizing faster dispute handling and reducing average response time from 9 days to 3 days — resulting in stronger win rates, lower operational burden for merchants, and faster dispute resolutions that enhanced the overall consumer experience. • Implemented Chargehound for automated dispute responses — Integrated Chargehound to automate the generation and submission of chargeback responses — streamlining merchant workflows, reducing manual effort, and enabling more consistent, timely submissions aligned with the accelerated 3-day response cadence. • Led external stakeholder collaboration and solution development — Partnered with external providers (Ethoca, Visa/Verifi teams) to build and customize integrations; constructed problem statements, developed proof-of-concept (POC) prototypes to demonstrate ROI and risk reduction, secured leadership prioritization and approval, and drove cross-functional alignment to successfully launch these proactive tools in a regulated fintech environment. • Integrated proactive dispute prevention tools — Rolled out Ethoca Alerts, Visa Rapid Dispute Resolution (RDR), and Visa Verifi (CDRN) to intercept and automatically resolve potential chargebacks before they escalated — reducing overall dispute volume, minimizing merchant losses by $250K and PayPal losses by $500K • Conceptualized innovative consumer-centric improvements to the disputes experience, focusing on minimizing user interactions and accelerating resolution times — designed streamlined flows and

Product Manager -3 at PayPal, Apr 2021 - Mar 2023 · 2 yrs, India, • Led the $35M loss savings portfolio and achieved operational expenditure savings equivalent to ˜100 headcount reductions through strategic optimizations in disputes, chargebacks, and related processes across global operations. • Spearheaded data-driven policy changes by removing protections for Merchandise Chargebacks based on rigorous analysis of fraud patterns, risk profiles & win-rate data — delivering $22M in annual savings. • Collaborated with AI/ML teams to develop and deploy machine learning models that automated key dispute process flows — significantly reducing required headcount for manual case handling, streamlining operations, and improving customer experience through faster, more consistent resolutions. • Introduced Instant Resolution concept for trusted buyers — Designed and launched a new automated dispute decisioning feature leveraging buyer trust scores, purchase history, and behavioral patterns to provide immediate resolutions with minimal friction — accelerating positive outcomes for high-trust users. • Defined and managed multi-year product roadmap for disputes ecosystem — Balanced aggressive business goals (savings, efficiency), regulatory/compliance requirements, technical constraints, and stakeholder needs across geographies — prioritizing high-ROI initiatives and securing cross-functional alignment for execution.

Product manager 2 at Paypal Inc, Dec 2018 - Mar 2021 · 2 y 3 mo, Chennai

Associate Product Manager at Matrimony.com Limited, Aug 2017 - Nov 2018 · 1 yr 4 mos, Chennai Area, India, • Own the App of Bharat Matrimony and come up with new features & UX improvement for the same • Identified ways to improve female privacy, increase relevant matches and implemented the same which in-turn reduced the customer the customer complaints by about 40% in the respective scenarios • Solved customer complaints and reduced the customer interactions by 50% for those complaints. • Defining tasks/features as a part of Agile Methodology and monitor the same via regular sprint/scrum meetings. • Co-ordinate with Business teams on regular basis to solve their issues and improve Product experience • Identified the reasons for people dropping out during registration, inhibition to communicate and fixed them.

Associate Manager - Business at Matrimony.com Limited, Sep 2016 - Aug 2017 · 1 yr, Chennai Area, India, • Formulated the complete strategy & plan for Matrimony Bazaar for the FY 18 basis the historical numbers, expansion plans and respective opportunity size. • Identified and drove the metrics to be tracked to improve the business and built the whole Data Tracking and reporting structure. • Drove the business of Matrimony Bazaar on an end to end basis and improved the revenue booking from Rs. 70,000 to Rs. 5, 00,000 a month in a span of 4 months. • Improved the Closure percentage of Service team from 20% to 55% within 9 months by coming up with new methods based on customer requirement. • Track and measure the performance of TV Commercial leads for Matrimony Bazaar. • Acted as a liaison between the technical team and business in gathering requirements, building a process around and getting the same as a part of the CRM

Intern at Flipkart, Apr 2015 - Jun 2015 · 3 mos, Bangaolre, • Build a model to reduce the Customer Service calls of Flipkart which in-turn reduces the costs incurred by them • Analyse Customer data and identify the patterns of calling by various customers. • Identified which are the top 3 levers which play a part in customer anxiety levels and which levers do not. • Developed a model for defining the Customer Anxiety level for regular customers and newly joined customers. • Implemented the model developed for Old customers and compare the same with Call to Unit Ratio of the particular customer to validate the model

Senior Software Engineer at Capgemini India Pvt Limited, Sep 2012 - Jun 2014 · 1 yr 10 mos, Mumbai Area, India, • Engage with client to gather business requirements and rules and ensure they are aligned when developed • Translate Business Requirements to technical deliverable which includes documentation, creating use cases and testing the same. • Identify and reconcile client data to ensure accurate business requirements. • Developed Complex logics and implement the same to meet the functional requirements of Clients • To Test the codes built at initial level for their smooth functioning and also to map the outputs with the Functional Requirement and identify discrepancies if any. • Explore various new technologies and document the same.

Education

PGDM, Marketing, T A Pai Management Institute

Bachelor's Degree, Electrical and Electronics Engineering, Jerusalem College of Engineering