Headline

Building Global Payments Infrastructure | Cross-Border Payments | Payment Orchestration | Payments & FinTech Speaker

About

I work at the intersection of payments infrastructure, fraud & risk, regulation, and market expansion - helping enterprise merchants, banks, and acquirers/ PSPs scale across some of the world’s most complex markets. Over the last 10+ years in payments, digital commerce, and fintech, I have focused on solving problems that sit behind the checkout - cross-border payments, payment orchestration, fraud and risk controls, local payment method expansion, and large-scale enterprise integrations. My work is centered on improving real outcomes: higher authorization rates, lower payment and FX costs, stronger fraud controls, regulatory compliance, and a more local, trusted customer experience - often delivering measurable uplifts in overall payment performance. In my current role at Juspay, I lead regional strategy, market expansion, partnerships, and product initiatives across APAC and the Middle East, working closely with regulators, card networks, acquirers, and ecosystem partners to strengthen market-level payment capabilities for global enterprises, banks and acquirers/ PSPs. I am a regular speaker at global fintech and payments forums including Money20/20, MRC, MAG, Seamless, ATPS, Web in Travel, Aviation Festival and more, where I share insights on payment transformation and exchange notes with practitioners who think about payments as infrastructure - not just checkout. Focus areas: Payment orchestration • Cross-border Payments • Risk & Fraud systems • Authorization & Cost optimization • Market expansion • Enterprise payment architecture • Product Management • Product Strategy • Regulatory Compliance

Location

Bengaluru

Work experience

Head of APAC & Middle East at JUSPAY, Feb 2023 - Present · 3 yrs 7 mos, Singapore, Dubai, India, Leading the charter to launch and expand Juspay's offerings in APAC & MENA region.

Product & Growth Head – Global Business at JUSPAY, Feb 2022 - Jan 2023 · 1 yr, Bengaluru, Karnataka, India, Working with multiple key stakeholders (Merchants, Networks, Banks, Payment Processors) to identify new product opportunities (& revenue streams) and build/ launch Global Products.

Product Manager at JUSPAY, Oct 2019 - Jan 2022 · 2 yrs 4 mos, Greater Bengaluru Area, ▪ Scaled up Juspay flagship product by designing & implementing new payment features and integrations ▪ Led a team of BDMs to sell & grow our payment products across India

Product Manager, Merchant Risk at American Express, May 2019 - Oct 2019 · 6 mos, Gurgaon, India, ▪ Led a team of analysts to explore strategic opportunities for mitigating merchant credit and fraud losses globally by working closely with cross-functional teams (operations, market risk, marketing and tech) and leveraging machine learning algorithms & analytical rules structures ▪ Business Product Owner of application that analyzes merchants submissions globally ▪ Risk Strategy Consultant to AMEX payment partners (Stripe, Square, Paypal, FirstData etc.)

Product Manager, Customer Risk at American Express, Apr 2017 - Apr 2019 · 2 yrs 1 mo, Gurugram, Haryana, India, End to end Lending process owner for developing multiple strategies to improve customer profitability and enhance customer experience during customer lifecycle. Key Achievements: ▪ Worked as a consultant to market risk teams providing expertise in leveraging external vendor data pertaining to Credit bureau, Identity verification, Device, Phone, Email & IP intelligence to improve customer lending process globally ▪ Implemented First Fraud Risk GBM based machine learning model for 18 countries to identify high risk customers during acquisition resulting in annualized savings of USD 2.5 - 3 million ▪ Designed effective controls to minimize point of sale disruptions of genuine transactions and reduce write off rates to lowest in industry ▪ Achieved savings of USD 1.5 million by formulating strategies to detect risky signals during customer’s first transaction itself ▪ Achieved 10% reduction in decline rate of genuine customers during lending process resulting in improved customer experience Awards & Recognition: ▪ Senior Vice President Award and Leadership in Action Award for outstanding performance in delivering multiple projects ▪ Thrice Runners-Up in Decision Science Case Review Competition – Q1 2019, Q2 2018 & Q4 2017

Summer Intern, Product & Risk Management at American Express, Apr 2016 - May 2016 · 2 mos, Gurugram, Haryana, India, ▪ Developed & Launched a 6-parametric risk model for discriminating fraudulent applications post analyzing 100 million+ application data using machine learning. ▪ Awarded Pre-Placement Offer (PPO) for contribution during internship period.

System Engineer, Business Intelligence at Tata Consultancy Services, Oct 2012 - May 2015 · 2 yrs 8 mos, Mumbai Metropolitan Region, Key Achievements: ▪ Developed strategic analytical reports for CXOs and business heads used for generating insights and improved decision making ▪ Conceptualized Invested Funds and Collection module reports for analyzing USD 900 mn investments and USD 2 bn collections ▪ Achieved 90% accuracy in forecasting USD 5 bn of Sales Pipeline & USD 300 mn of Manpower Data using SAP predictive analytics ▪ Led a team to automate Claims approval process using analytical tool SAP HANA resulting in increased time efficiency of 60% ▪ Performed Profitability Analysis by procuring real time data of ~1500 vendors across geographies using SAP HANA and SQL ▪ Awarded Star of Learners Group and received a perfect rating of 5/5 for exceptional project performance

Summer Intern at HCL Infosystems Ltd, Jun 2011 - Jul 2011 · 2 mos, Successfully completed project on Job Site Starter Kit using ASP.NET and Microsoft SQL.

Education

Master of Business Administration - MBA, Indian Institute of Management, Calcutta

Financial Risk Manager (FRM), Global Association of Risk Professionals (GARP)