Headline

Product@PhonePe | ISB | Ex-Razorpay

About

I build products that move money reliably in the real world. I’m currently a Senior PM at PhonePe, a Walmart-backed payments platform, and have previously worked at Razorpay. Across both roles, I’ve owned end-to-end delivery of features across card payments, POS platforms, payment middleware, and settlement & reconciliation systems, operating at scale in regulated environments and partnering closely with engineering, design, finance, risk, compliance, and Tier-1 banking partners. I enjoy complex problems where trade-offs between UX, reliability, cost, and compliance matter. I lead roadmaps for my charters, write PRDs, manage OKRs, and stay close to execution. I rely on JIRA, Confluence, Miro, Slack, and BI tools to drive clarity and alignment. I hold an MBA equivalent from the Indian School of Business (ISB), where I majored in Marketing & Strategy and served as President of the Music Club. Outside of work, I'm working on automating parts of my life using ChatGPT and I unwind as a music enthusiast and self-taught guitarist.

Location

Bengaluru

AI stack

antigravity

cursor

Work experience

Senior Product Manager, Merchant Payments at PhonePe, Jul 2024 - Present · 2 yrs 2 mos, On-site, Topline Impact • Launched card tap&go for Hyderabad Metro (mass transit merchants) to generate ₹X cr revenue • Enabled International card acceptance on PhonePe terminals to generate additional ₹Xcr revenue Bottomline Impact • Launched PPe card rails (back-end) that powers transactions on 1M devices by working with Acquiring Bank, Payment Switch, and OEM, saving ₹X cr in annual operating costs • Onboarded new Acquiring Bank to unlock lower cost per card transactions by integrating bank's switch, building settlement and reconciliation flows, saving ₹X cr in annual costs UX Enhancements • Managed transition of Android App on card machines from outsourced version to in-house version on 1M terminals, improving NPS by ~5% • Defined payment experience on RTOS, Android, and Dual Screen card machines Risk/Compliance • Managed PCI P2PE, DSS and Terminal L3 certifications to comply with Card Industry Norms • Integrated transactions with in-house FRA, saving ₹Xcr annual liability in chargebacks • Introduced e-Chargeslip capabilities to comply with visa & mastercard guidelines to issue chargeslips to customer on a printerless card machines • Managed transition from 6 digit BIN to 8 digit BINs to comply with visa & mastercard guidelines • Managed purging of sensitive data to comply with Central Bank's updated guidelines

Product Manager, POS Android Application at Razorpay, Feb 2023 - Jul 2024 · 1 yr 6 mos, Hybrid, • Launched 300k+ Android card machines for 3 banks adding $600k pm in revenue • Introduced bill-splitting and tipping enhancement in merchant POS integration APIs • Enabled synergies of POS with new acquired firm BillMe to enable cross-selling opportunities • Created payment application for iOS and iPadOS for strategic Apple Premium Resellers merchants

Product Manager, Search at Zivame, Jun 2022 - Feb 2023 · 9 mos, • Improved Search listing to product details page CTR (28% -> 43%) by introducing search relevance algorithm and updating synonym mapping knowledge base • Increased digital storefront inventory exposure rate (36% -> 39%) by creating 'view similar' feature, revamping homepage, and trending now widget • Increased conversion driven via wish-list (5%->6%) by creating inspired by wish-list widget

Data Engineer at Thorogood Associates, Jul 2017 - Mar 2021 · 3 yrs 9 mos, • Liaised with senior stakeholders from Fortune 500 firms to understand business problems, translate into technical problems, develop data solutions and walk clients through user education and UAT • Managed global team of data-engineers and analysts over 50+ Agile sprints and 4 projects • Trained consultants on SQL, Azure Data Bricks, and Azure Data Factory • Line managed jr. consultants by helping set career objectives and conducting performance reviews • Recipient of multiple Thorogood Star Awards

Education

Post Graduate Program in Management, Dual Majors in Strategy & Leadership and Marketing, Indian School of Business

Bachelor of Technology - BTech, Electronics and Communication Engineering, Vellore Institute of Technology