Headline

Payments & Fintech Product | UPI · PG · QR · POS · Wallets · Credit Cards | Building payment ecosystems from 0 to scale | Bajaj Finance · Ex-Axis Bank

About

I've spent the last 10 years doing one thing really well - building payment products that work at scale. At Bajaj Finance, I architected Bajaj Pay's entire merchant payments ecosystem from scratch - a payment gateway now processing ₹70,000 Cr GMV across 18 Lines of Business, a QR network with 3,00,000+ active merchants, a full EDC POS suite, and a regulated digital wallet. One of my proudest milestones: taking payment gateway success rates from 58% to 80% in under 12 months through smart PA orchestration and checkout optimisation. Before that, at Axis Bank, I worked on the cards and digital payments side, leading tokenization of Axis cards on Google Pay, Samsung Pay, and Jio Pay, redesigning the credit card experience on Axis Mobile, and driving Long-Range Plan initiatives across frictionless payments and technology modernisation. What I bring to the table is a combination that's genuinely hard to find - engineering grounding, an MBA lens on commercial outcomes, and hands-on RBI regulatory experience including Board-level documentation. I don't just define roadmaps. I own the outcome end to end. I'm currently open to Director-level opportunities in Product & Strategy at banks, NBFCs, and payments companies where there's a real problem to solve and room to build. 📩 Feel free to reach out as I am always happy to connect with people working on interesting fintech problems.

Location

Pune District

AI stack

claude

gemini

lovable

openai

Gamma

Microsoft Copilot

Work experience

Senior Lead Issuing : UPI product at Bajaj Finserv, Apr 2026 - Present · 5 mos, Pune District

Senior Lead Acquiring Product : Payment Gateway at Bajaj Finserv, Mar 2025 - Apr 2026 · 1 yr 2 mos, Pune, Maharashtra, India, - Scaled Bajaj Pay's merchant payment PG processing ₹70,000 Cr GMV annually across 18 Lines of Business - Drove payment gateway success rates from 58% to 80% in 12 months through multi-PA orchestration and checkout funnel optimisation

Lead Offline Acquiring Product: QR & PoS at Bajaj Finserv, Sep 2020 - Mar 2025 · 4 y 6 mo, Pune, Scaled All-in-One QR product to 3,00,000+ active merchants across UPI, RuPay, Bajaj Wallet, and Bajaj EMI Launched Bajaj Pay EDC POS from 0-to-1 covering onboarding, device provisioning, settlement, and merchant management across 60,000 merchants

Product Manager , Payment Solutions Group at Axis Bank, Apr 2018 - Sep 2020 · 2 yrs 6 mos, • Led the product development for Instant Credit Card Issuance on platforms like Axis Pay and Freecharge. • Spearheaded the creation of Tokenisation applications for In App Payment and Token Scan & Pay. • Redefined and maintained the Cards Module of Axis Bank Mobile App, enhancing user experience. • Collaborated with cross-functional teams to ensure seamless product launch and post-launch support.

Deputy Manager , Payment Solutions Group at Axis Bank, Jun 2016 - Mar 2018 · 1 yr 10 mos, Mumbai Area, India, • Led the product conceptualization and development for Axis Bank's innovative payment solutions. • Successfully enabled Axis Bank card products on Samsung Pay, enhancing customer experience. • Developed and maintained applications for tokenization, including In-App Payment and Pseudo Cards. • Oversaw the redesign and scaling of the Cards Module in the Axis Bank Mobile App, integrating advanced features.

Summer Intern at Sterlite Technologies Limited, May 2015 - Jun 2015 · 2 mos, Mumbai, Maharashtra, India, Projects undertaken include: 1) Customer Churn Analysis that consisted of the analysis of the reasons for Customer churn and suggesting ways to reduce it. 2) Market Share Growth that required me to study current market trends and analyse current customer data and Take Rate % and suggest ways to increase Market Share.

Senior Analyst at Flextronics, May 2014 - Aug 2014 · 4 mos, Pune, 1) Timely issuance of Procurement Orders to vendors,coordination for payment,placing the purchase order and follow up the same. 2) On time completion of Open PO Report,Shortage Report and customized reports for analyzing and incorporating improvements in processes. 3) Sourcing and developing suppliers for new projects and managing supplier's database 4) To identify,recommend and implement operational efficiencies and perform root cause analysis to expedite the resolution of issues. Clients included the likes of Foxconn, Alcatel, Mettler Toledo, ICRON Technologies, Wincor, Aastra and the suppliers which are situated in Singapore, Germany, Taiwan, Shanghai, Hong Kong, USA to procure and deliver the raw material to the factory as per required quantity , quality and date for production.

Chemistry Professor at Chaitanya's Academy, Aug 2013 - Apr 2014 · 9 mos, Pune Area, India, 1) Responsible for teaching students from Class 8th to 12th in the subject of Chemistry for the preparation of Competitive Examinations like JEE, NEET, AIPMT,etc. 2)Prepare course material and evaluate the performance of the students. 3) During the months of March and April carry out intensive marketing of the classes for new enrollments.

Education

Master of Business Administration (M.B.A.), Marketing, Welingkar Institute of Management

Bachelor of Engineering (B.E.), Electronics Engineering, All India Shri Shivaji Memorial Society Institute of Information Technology