---
title: "Dhiraj Kumar - Data & UPI Product in South Delhi | Tal"
description: "Meet Dhiraj Kumar, Data & UPI Product @JUSPAY | FinTech - Payments | DTU(DCE) based in South Delhi. AI stack includes claude code, claude, and gemini."
image: "https://tal.club/meet/dhiraj-kumar-3/share-image"
---

# Dhiraj Kumar on Tal

## Headline

Data & UPI Product @JUSPAY \| FinTech \- Payments \| DTU\(DCE\)

## About

An explorer by heart\. More accurate than Google Maps\. Growth\-driven Product & Data Manager with a strong track record of building and scaling products in high\-growth environments\. Currently working at the intersection of UPI, data systems, and fintech innovation\. I specialize in 0→1 and 1→10 product journeys, combining product thinking with deep analytics to drive measurable impact\. At Juspay, I’ve led initiatives powering high\-scale UPI systems \(handling thousands of TPS\), improved success rates, and built real\-time data platforms with 100% reliability\. From launching merchant\-facing dashboards that reduced onboarding time from days to minutes, to developing analytics systems deployed across multiple bank stacks, I focus on solving problems that matter at scale\.

## Location

South Delhi

## AI stack

claude code

claude

gemini

n8n

ChatGPT

## Work experience

Data & UPI Product at JUSPAY, Jul 2021 \- Present · 5 y 2 mo, Bengaluru, Karnataka, India, UPI Product: • Powering Industry's Best Success Rate UPI PG\(\+ve Δ of 3%\) in partnership with Yesbank on Juspay's Payments Orchestrator for pay\-ins & pay\-outs\. • Managing India's marquee merchants\(like BharatPe, Dream11, Gameskraft, Swiggy, BookMyShow, Ola, OneCard & so on\.\.\.\) for acquiring UPI payments\. • Created a Merchant Dashboard resulting into reduced Onboarding time from 2 days to 5 min\. And resulted in reduction of 70% daily queries\. Along with a user friendly developer API docs which ranks in top search results on Google for anything UPI\. • Lead UPI Acquiring Product/Business/Tech Executions for partners need & ensured compliance to regulators\(NPCI & RBI\) circulars/guidelines\. • Built product features : Smart Refund, Penny\-Fetch/Drop, Account Validations, Payouts, Account/VPA Suggestions, Outage API, GPay InApp/Omni\-Channel flow\. • Making Remitter Switch live for Kotak & AU Bank for all UPI Features on CASA & Rupay Credit Card with Bank CBS Integration\. Data Product: • Built\(0\->1\->10\) Real\-time Data pipeline & Analytics for UPI Scale, a system which handles 3K TPS & battle tested in IPL'25 Final\. With instant intelligent auto\-backfilling mechanism for 100% reliability\. • Been part of HyperUPI SDK product launch team & had setup log pipeline for SDK Analytics\(User Onboarding Funnel\)\. • Have developed 20 Analytics Modules for UPI PSPs across all major flows\(Registrations, Onboarding, Transactions, Refunds, Payouts, IPOs, Mandates Creations/Notifications/Executions & Settlements\)\. This product has been deployed in 10\+ Bank Stacks in AWS/GCP\. • Running applications\(like A/B Dashboard, Kibana, Grafana, Superset etc\) for real\-time Alerting, Log Viewing, Data Analysis & Merchants Billing\. Powered by Kafka streams to Producer/Consumer apps which is further processed via different use\-case based Storage systems like Cassandra, ElasticSearch, S3 & ClickHouse\. • AI Chatbot Genius Integration for Analytics & Insight generation for end users\.

Growth Analyst at BharatPe, May 2021 \- Jun 2021 · 2 mos, New Delhi, Delhi, India

Business Manager at Tipping Mr Pink Pvt Ltd, Jul 2019 \- Jan 2021 · 1 yr 7 mos, Gurugram, Haryana, India, Most popular QSR chain in Delhi\-NCR, serving PAN India\. Running two brands Burger Singh & Bowl Hub in physical store & cloud\-kitchen format\. \- Successfully implemented Strategic Incentive Plan & Tiering program over FoodTech Aggregators like Zomato, Swiggy, UberEats on key metrices\(Acceptance%, MFR%, Edit%, RDC%, KPT & Rating\) across 40\+ outlets\. \- Increased the efficiency of operations team to outperform on the laid out parameters for better tiering which resulted into increase in delivery radius & higher visibility over the TPA's App, which brought high order volume in turn more revenue\. \- Brought down order cancellations from 20% to 8% for all different order channels\. \- Managed a hyperlocal delivery partner for website/call\-centre based orders\. \- Performed SWOT Analysis for outlets for increasing the traction & AOV/GMV\.

## Education

B\.Tech \- Bachelor of Technology, Delhi Technological University \(Formerly DCE\)

B\.Tech \- Bachelor of Technology, Delhi College of Engineering

[View the original profile](https://tal.club/meet/dhiraj-kumar-3)

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