Headline

Product Management

About

Results-driven Payment Technology Product Leader with over 20 years of experience scaling B2C and B2B payment platforms across global markets (US, Europe, SEA, and India). Deep domain expertise across the payment lifecycle, including digital wallets, merchant acquiring, gateways, and core card networks. Recognized for blending technical platform strategy with commercial execution—successfully launching alternative payment methods (BNPL, Open Banking, POS QR), evaluating local regulatory licenses, and steering high-performance cross-functional teams to meet aggressive revenue targets. Adept at executing complex partner API integrations and checkout flows to accelerate onboarding and maximize conversion rates. Skills: · Platform Strategy & Vision · Strategic Partnerships · P&L Management · AI based development · Cross-Functional Leadership · Commercial Launch & GTM · Pricing Strategy & Value Capture · Market Sizing & Competitive Analysis · Team Development & Mentoring · Product Lifecycle Ownership · Business Case & ROI Analysis · Executive Communication & Stakeholder Alignment · Risk & Regulatory Compliance (PCIDSS, AML, PSD2)

Location

Greater Bengaluru Area

AI stack

claude code

cursor

gemini

github copilot

lovable

Work experience

Product Lead at Grab, Apr 2026 - Present · 7 mos, · Driving a large-scale Payout platform across 8 Southeast Asian markets, processing 2 M daily payouts to consumers, drivers, and merchant partners, ensuring speed and reliability 24x7. · Responsible for executing OFI role for ‘Funds out’ in P2P and P2M use cases, driving integration with partners and real-time national rails.

Director of Product Management at Worldpay, Apr 2022 - Mar 2026 · 4 yrs, Bengaluru, APM Platform Leader · Served as platform leader for a new cloud-based platform hosting all local payment methods, defining and delivering business objectives to accelerate new APM builds and scaling with enhanced merchant experiences and new capabilities that serve global markets, customer and compliance needs. · Partnered with enterprise architects, engineering, and business leadership to outline value drops, design capabilities, promote microservices architecture, and develop 1-3-year platform strategies. APM Commercialization leader · Directed product delivery and revenue realization for local and alternate payment methods in Europe (Portugal, Austria) and India markets, processing 50 M annual volume and generating 5 M of annual revenue and scaling to +28 enterprise merchants. · Delivered local payment methods to enterprise merchants through direct and partner integration models, establishing uniform checkout experiences and market-leading payment conversion rates to enable customer-preferred payment options. People Leader Led a global team of product owners and managers, hiring, coaching, and building career paths; championed GenAI adoption in product teams to boost productivity, yielding robust, standardized user stories that accelerated sprint planning and development cycles.

Director of Product Management at Visa, Mar 2020 - Mar 2022 · 2 yrs 1 mo, Bengaluru, Karnataka, India, Responsible for launching and Scaling ‘Visa Safe Click’ at multiple leading merchants in Indian ecommerce space across Android, ios and mobile web channels

Senior Product manager at PayPal, Jun 2009 - Mar 2020 · 10 yrs 10 mos, Bangalore , India, Product Manager – Debit Card and Tokenization Products Product manager responsible for designing and defining Dispute management workflow for PayPal Debit card and Tokenization (Google Pay , Apple Pay ) transactions. The transactions are processed through Mastercard network. As part of the Project , I had to collaborate with an external (Mastercard) team and manage Third-party Api integration and testing roadmap . • Built in a capability to automate Chargeback Issuance process with Mastercard network through REST Api. • Built in efficiencies in the Product to help teammate effectively work bunch of cases together hence saving on agent handle time. Product Manager – Venmo Debit Card (Multi Tenancy Based model) Nov 2018 – June 2019 • As a Product manager , I was responsible to extend PayPal Debit Card Platform to Tenant (Venmo) in a shortest possible time to reduce Venmo Dispute losses. Here, PayPal played a role of being the SOR for the Venmo disputes and provided a full-fledged platform to Operations team to adjudicate Venmo disputes . • PayPal Dispute architecture was remodeled to support Multiple Tenants and configuration engines built to enable Tenant Dispute policies to operate alongside PayPal Disputes policies in the same environment • The Product was integrated with Dispute Apis to enable dispute filing and dispute update actions from tenant to PayPal . Tenant communication model was built on Webhooks. Risk Product Manager Revamped the entire platform for Global Account Limitations. Worked closely with multiple Business units like Consumer Risk Management, Merchant Risk Management and Compliance to understand the policies for Account Limitations. The new platform was built to be effective, scalable and reliable. The new product has features that enabled it to have minimum Time to Market new Business rules to stop fraudulent and anti-compliance activities.

Software Engineer/Product Owner at Computer Sciences Corporation (CSC), Oct 2006 - Jun 2009 · 2 yrs 9 mos, Chennai, Tamil Nadu, India, Worked as a Software engineer for PayPal Products. Beginning Feb 2009 ,worked as a Technical Product Owner for PayPal Risk/Compliance Products

Education

Executive Program in Business Management, Business Administration and Management, General, Indian Institute of Management, Calcutta

Msc (Informatics), Computer Science, Delhi University