Headline

Product Manager at Western Union SAFe 6.0 PO/PM, CSPO certified

About

Product Delivery and Payments Leader with 14+ years of experience driving large-scale payment platforms, product delivery, and technology transformation across Financial Services, FinTech, Digital Payments, Retail, and E-commerce. Proven success building, scaling, and modernizing payment ecosystems supporting cross-border transfers, real-time payments, FX, wallets, and disbursement solutions across 40+ markets spanning APAC, SEPA, LATAM, the Middle East, and Africa. Experienced in leading cross-functional Product, Engineering, Operations, Risk, Compliance, and Finance teams within complex global organizations, translating business strategy into executable roadmaps and delivering measurable customer and business outcomes. Skilled in portfolio governance, roadmap execution, dependency management, capacity planning, and stakeholder alignment, consistently improving delivery predictability and operational efficiency. Deep expertise across Cross-Border Payments, Global Clearing, ACH, Real-Time Payments, FX, Settlement Platforms, Wallets, Disbursements, and API-driven payment ecosystems, with hands-on leadership in UPI, SWIFT, SEPA Instant, RTP, Visa Direct, partner bank integrations, and digital payout infrastructures. Passionate about leveraging data, automation, AI/ML, predictive analytics, and intelligent payment routing to improve delivery outcomes, strengthen operational resilience, and accelerate business growth

Location

Pune Division

AI stack

claude code

Adobe Firefly

Amazon Q Developer

Work experience

Product Manager at Western Union, Feb 2018 - Present · 8 yrs 6 mos, Pune District, Lead delivery execution and modernization of Western Union's global payments ecosystem supporting cross-border remittances, real-time payment rails, settlements, FX, and digital payouts across 40+ markets. • Directed end-to-end delivery of payment platform initiatives supporting $1.2B + annual transaction volume across global payment corridors. • Owned multi-quarter roadmap planning and execution with Product, Engineering, Operations, Finance, Risk, Compliance, and regional stakeholders. • Led cross-functional teams across architecture, engineering, QA, operations, and product management to deliver strategic payment capabilities. • Established delivery governance, capacity planning, and portfolio prioritization , improving roadmap predictability & delivery transparency. • Led modernization of payment infrastructure integrating UPI, SWIFT, SEPA Instant, RTP, PRI, Visa Direct, bank transfers, wallets, & card payout rails through API-first architectures. • Reduced settlement times from T+2 to near real-time processing, enabling 80% real-time settlement capability & supporting 35% YoY transaction growth. • Strengthened platform resiliency through monitoring, incident management, root-cause analysis, and service reliability, reducing partner-related failure. • Drove FX pricing optimization, intelligent payment routing, & settlement workflow enhancements to improve conversion & customer experience. • Established KPI-driven analytics frameworks and championed automation across governance, reporting, monitoring,& release management. • Collaborated on AI/ML initiatives including transaction anomaly detection, predictive settlement forecasting, intelligent routing, partner performance analytics, & operational risk monitoring. • Improved delivery velocity by 65% & reduced time-to-market by 40% through Agile transformation, dependency management, & execution governance. • Led delivery across 15+ squads, 25+ professionals, & strategic investment initiatives exceeding $5M

Product Manager at Future Group India, Jun 2016 - Sep 2017 · 1 yr 4 mos, Mumbai, • Delivered key initiatives for Future Pay wallet, coalition loyalty platforms, and customer rewards programs. • Achieved increased customer retention and faster transaction flows through improved UX and strategic design. • Delivered mobile wallet, e-commerce, SAP, and loyalty (Payback) solutions across retail businesses. • Authored PRDs, BRDs, SOPs, and wireframes to translate business needs into product features. • Managed Payback loyalty transactions across subsidiaries, ensuring accuracy and operational stability. • Partnered closely with engineering and business teams for requirement analysis, solution design, and implementation. • Led process improvement initiatives to enhance efficiency and customer experience. • Supported UAT and production releases, ensuring smooth deployment and quality outcomes.

Senior Business Analyst at eClerx, Aug 2015 - Apr 2016 · 9 mos, Mumbai Area, India, Project: Insight • Designed scalable leave & attendance modules based on stakeholder requirements. • Created FRDs and access controls aligned to business hierarchies

Business Analyst at ANMsoft Technologies, Jun 2012 - Aug 2015 · 3 yrs 3 mos, Navi Mumbai ,india, Worked for the product “ Ontra”(An online travel booking Engine )on &“OctaShop E-Retail Pvt Ltd” using all the Technologies,consulting and development of E-Travel & Ecommerce solution various customers. • API integration with hotels like GTA, Expedia ,Via etc • API integration with the GDS for Airline like Sabre , Galileo etc • Credit card banking application for Kotak Mahindra Bank • Tata ecommerce Digital Platform

Education

Bachelor of Technology (B.Tech.), Computer Science & Engineering, Indian Institute of Technology (Indian School of Mines), Dhanbad

Higher Secondary, science, The Pentecoastal Assembly School