---
title: "Dipesh Nagpal - Senior Product Manager in Noida | Tal"
description: "Meet Dipesh Nagpal, Co-founded a UPI platform that got acquired (Pine Labs) | 10+ years building payments products since based in Noida. AI stack includes aistudio, claude code, and claude. Explore public work links including dipeshnagpal.in."
image: "https://tal.club/meet/dipesh-nagpal-1/share-image"
---

# Dipesh Nagpal on Tal

## Headline

Co\-founded a UPI platform that got acquired \(Pine Labs\) \| 10\+ years building payments products since

## About

Every payments team I've worked with has the same problem: reconciliation eats hours nobody has, and by the time someone catches a mismatched transaction, the customer's already frustrated or the chargeback's already filed\. I saw this firsthand at Payomatix\. Finance teams were pulling bank and settlement statements manually, matching transactions by hand, and catching exceptions days too late\. Chargebacks were climbing\. Fraud was slipping through\. The cost wasn't just time, it was trust, with merchants and with customers\. So I built a fix\. I led the end\-to\-end build of Pay Agency, an AI\-driven payment orchestration platform for high\-risk card acquiring, with smart routing, cascading logic, and an agentic reconciliation system that catches exceptions before they become problems\. Chargebacks dropped 45%\. Fraud dropped 30%\. Success rates went up 20%, across 30\+ global partners\. This is the pattern across my career\. At Kalp Studio, I built KS Pay, a payment orchestration platform, from zero to one\. At Yatra, checkout was bleeding users, so I cut it from 12 clicks to 2 and recovered ₹50 crore in stuck transactions\. Before all of that, I co\-founded Finmo, a UPI platform that got acquired by Pine Labs, because I wanted to build payment infrastructure from the ground up, not just manage it\. Ten plus years in payments taught me one thing: most product problems disguise themselves as ops problems\. If you dig into where the friction actually lives, you can fix the disease, not the symptom\. I'm currently exploring Senior/Lead PM and Product leadership roles in payments, fintech, and AI\-driven product\. If you're building something in this space and hitting the same walls I've spent a decade solving, let's talk\. Message me here or reach out at dipeshnagpal17@gmail\.com\.

## Location

Noida

## AI stack

aistudio

claude code

claude

hugging face

kimi

n8n

## Work experience

Senior Product Manager at Payomatix Technologies, Sep 2025 \- Jun 2026 · 10 mos, Dubai, United Arab Emirates, Accomplished the end\-to\-end build of Pay Agency, an AI\-driven payment orchestration platform for high\-risk card acquiring, by architecting merchant management, transaction processing, chargeback management, and settlement configuration from the ground up, resulting in a production\-grade platform serving 3000\+ global partners\. Accomplished a 20% increase in transaction success rate by implementing smart and dynamic routing with cascading logic across acquiring banks and processors, resulting in higher approval rates on high\-risk card volume\. Accomplished a 45% reduction in chargebacks and a 30% drop in fraud by building AI\-powered risk rules and exception handling into the platform, resulting in materially lower revenue leakage on high\-risk merchant accounts\. Accomplished an AI\-powered agentic reconciliation system within Pay Agency by automating statement ingestion from email, transaction auto\-matching, and exception flagging, resulting in a significant reduction in manual finance effort\.

Senior Product Manager at Kalp Studio, Oct 2024 \- Sep 2025 · 1 yr, Noida, Uttar Pradesh, India, Accomplished the end\-to\-end launch of KS Pay, a payment orchestration platform, by architecting it from scratch across merchant onboarding, transaction routing, and fee orchestration logic, resulting in a production\-grade payments engine built entirely from zero to one\. Accomplished 32% higher wallet activation by rebuilding onboarding flows across the Web3 infrastructure suite \(self\-custodial wallets, gasless transactions, multi\-chain support\), resulting in 900K\+ active users within the product's growth window\. Accomplished 40% month\-over\-month user growth by launching dynamic chain switching and automated gas fee handling, resulting in significantly fewer transaction drop\-offs\. Accomplished a 70% improvement in user journey visibility by implementing GA4/GTM event tracking across dApps and dashboards, resulting in data\-driven prioritization across the product suite\.

Product Manager at Yatra Online Ltd\., Jun 2022 \- Sep 2024 · 2 yrs 4 mos, Gurugram, Haryana, India, Accomplished ₹50\+ crore in recovered stuck transactions by spearheading card tokenization \(CoF, 3DS 2\.0\) in line with RBI mandates, resulting in secure bulk transaction processing\. Accomplished ₹30\+ crore in pending payment collection by leading a bulk upload solution with Razorpay and Juspay, resulting in faster finance team recovery of outstanding dues\. Accomplished a 90% reduction in manual NEFT operations by developing automated supplier payments using virtual cards \(Mastercard, Axis, Citi\), resulting in leaner payment operations\. Accomplished a streamlined checkout requiring 2\-3 fewer clicks by revamping the payment page UI/UX, resulting in a 2% increase in mobile conversion rate\. Accomplished automated ARN data reconciliation by introducing key tracking parameters and coordinating across finance, business, and payment gateway teams, resulting in faster, more reliable bank reconciliation\. Accomplished ₹12\-15 lakh in annual cost savings by fixing Google Ads conversion tag implementation in GTM, resulting in more accurate ad spend attribution\. Accomplished a full GA4 migration across multiple lines of business by owning product analytics end\-to\-end, resulting in improved data\-driven decision\-making for business and marketing teams\.

Product Manager at Flipkart, Jan 2021 \- Jun 2022 · 1 yr 6 mos, Gurugram, Haryana, India, Accomplished a 10%\+ increase in AOV by initiating an AI/ML product recommendation engine for bestseller brands, resulting in higher average order value across top D2C merchant stores\. Accomplished a 15\-20% increase in conversions and a 20% reduction in acquisition costs by leading analytics and CRO initiatives across 10\+ D2C brands including Vero Moda, Aldo, and Bira91, resulting in stronger unit economics for merchant partners\. Accomplished a 10% increase in ROAS by optimizing paid social campaigns on Facebook and Instagram, resulting in more efficient ad spend through Conversion API and pixel enhancements\. Accomplished stronger brand engagement for bestseller clients \(Only, Jack & Jones\) by leading influencer marketing campaigns with high\-profile talent, resulting in increased product awareness and merchant store traffic\. Accomplished an end\-to\-end analytics stack \(GA4, GTM, Meta Pixel, Microsoft Clarity\) by implementing custom tracking across merchant platforms, resulting in improved retention and funnel performance for 10\+ major clients\.

Product Manager at Spotpay, Feb 2020 \- Jan 2021 · 1 yr, Gurugram, Haryana, India, Accomplished a payment gateway supporting 10,000\+ TPS by leading its end\-to\-end development across card and UPI rails, resulting in a platform built to scale before the company's Covid\-driven shutdown\. Accomplished profitable bank partnerships by leading MDR negotiations across multiple payment instruments, resulting in enhanced product value and margin\. Accomplished a 40% improvement in operational efficiency by building merchant onboarding, settlement, reconciliation, and reporting workflows, resulting in leaner payment operations for merchants\.

Product Manager at SecNinjaz Technologies LLP, Sep 2017 \- Jan 2020 · 2 y 4 mo, Delhi

Co\-Founder & CTO at Finmo, May 2016 \- Sep 2017 · 1 y 4 mo, Gurugram

## Education

Master of Business Administration \- MBA, Information Technology, SVKM's Narsee Monjee Institute of Management Studies \(NMIMS\)

Master of Business Administration \- MBA, Foundation courses, University of the People

B\.Tech, Information Technology, Hindu college of Engineering

## Public links

- dipeshnagpal\.in: https://www\.dipeshnagpal\.in/

[View the original profile](https://tal.club/meet/dipesh-nagpal-1)

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