Headline

Product Management, Fintech at Toast | Ex - Razorpay, Zeta | ISB Alumni

About

Product leader with 8 years in product management and 5 in engineering, building 0-to-1 enterprise platforms across US and Indian markets. I take products from concept to scale by turning customer needs into reusable platform capabilities. Deep experience in Enterprise SaaS, Fintech, Payments, and HCM. - Toast: Scaling the Enterprise Payments platform to multi-thousand-location customers. - Razorpay: Built and led Razorpay Engage, a B2B loyalty platform, from idea to multi-million revenue, powering Swiggy Money, IndiGo BluChip, and Giva Loyalty Wallet. - Falcon: Built the 0-to-1 Enterprise Card Issuance & Management platform behind Karur Vysya Bank’s credit card launch and NSDL’s prepaid gift cards. - Zeta: Built the 0-to-1 Enterprise Credit Card platform that powered the HDFC Pixel Credit Card launch. - OpenText: Owned Content Management for HR ($20M+ ARR), grew the sales pipeline, and enabled distribution via SAP’s marketplace.

Location

Bengaluru

AI stack

claude code

cursor

Work experience

Senior Product Manager at Toast, Aug 2025 - Present · 1 yr 4 mos, Bengaluru, Karnataka, India

Senior Product Manager | Credit, Prepaid, Credit Line on UPI, Portfolio Maximisation at Falcon, Feb 2024 - Aug 2025 · 1 yr 7 mos, Bengaluru, Karnataka, India, Leading cross-functional teams delivering multiple fintech platform products across credit cards, UPI credit line, prepaid cards, gift cards, reward earn engine, and portfolio maximising solutions. - Orchestrated credit card platform launch by owning cardholder experience and operations portal development, delivering engaging user journeys while reducing resolution times and driving business metrics - Spearheaded a multi-tenant Gift Card product ecosystem to market launch, architecting multi-portal design across consumer, corporate, and back-office systems - Conceptualized and validated Portfolio Maximiser product through customer research, securing a major public sector bank as pilot client for personalized rewards solution that addresses critical portfolio challenges - Led Credit Line on UPI product experience & development, transforming NPCI specifications into a market-ready offering through strategic industry showcases and distribution partnerships

Product Manager, Founding Team | Razorpay Engage - Payment linked Loyalty at Razorpay, Nov 2022 - Feb 2024 · 1 yr 4 mos, India, Product Manager in the founding team of Razorpay Engage: a payment powered loyalty platform using prepaid wallets, gift cards, and brand networks to help businesses drive customer acquisition and retention. - Co-created Razorpay's loyalty strategy from concept to market launch, converting an unused PPI license into an embedded loyalty platform generating significant first-year revenue - Secured marquee customers such as Swiggy, Giva, Blue Tokai, Decathlon, Indigo through targeted value propositions, powering digital wallet solutions for millions of users across food delivery, airlines, and retail segments - Established strategic banking partnerships to expand platform capabilities, enabling Razorpay Engage to serve public sector companies - Led user research sessions with top e-commerce giant to understand the challenges of gift card distribution & need for a gift card issuing marketplace - Developed API-first loyalty architecture with engineering teams, meeting critical performance targets for transaction processing speed and volume capacity

Product Manager | Card Issuance, Banking Tech at Zeta Suite, Oct 2021 - Nov 2022 · 1 yr 2 mos, Bangalore Urban, Karnataka, India, Building a zero-to-one cloud native Credit Card platform for banks and fintechs in India & US markets - Created comprehensive credit card platform from concept to launch, powering a major private bank's digital credit card offering - Designed Support Center with complete financial visualization capabilities, enabling customer service teams to access transactions, accounting, interest, fees, and statements in one interface - Developed regulatory-compliant Operations Center featuring maker/checker authorization, audit trails, and reporting to meet banking standards - Architected credit card dispute management lifecycle adhering to RBI, VISA, and Mastercard regulations, ensuring full compliance and customer protection

Lead Product Manager | Enterprise Content Management at OpenText, May 2019 - Oct 2021 · 2 yrs 6 mos, Greater Hyderabad Area, Content Suite for HR helps large companies (20 - 35K size) manage employment documents and information in conjunction with ERP systems such as SAP SuccessFactors & Workday. It facilitates information management right from capture to archiving and disposition. As a Lead Product Manager for the product, I closely work with customers, C-suite stakeholders, engineering, design and marketing to ensure iterative development and successful delivery of the product

Senior Software Engineer at Oracle, Jun 2012 - Mar 2018 · 5 y 9 mo, Hyderabad

Education

Master of Business Administration - MBA, Marketing and Business Strategy, Indian School of Business

Bachelor of Technology (BTech), Engineering, National Institute of Technology, Tiruchirappalli