Headline

Senior Payments Product Leader | Card Networks, 3DS/ACS, Issuer Authentication, Scheme Compliance, Payment APIs & Payment Infrastructure | Mastercard

About

I am a senior payments product leader with 15+ years of experience across card networks, issuer-side payment products, payment authentication, EMV 3DS/ACS, scheme compliance, payment APIs, and regulated payment infrastructure. My work has focused on building and delivering secure, scalable payment capabilities that support card-not-present transactions, issuer authentication, risk controls, certification/compliance alignment, and cross-functional product delivery across product, engineering, operations, compliance, and business teams. I enjoy working on payment infrastructure and platform products where reliability, security, compliance, and scale matter. I am especially interested in senior product roles across card payments, issuer processing, payment infrastructure, authentication, clearing/settlement, tokenization, and digital payment platforms.

Location

Pune/Pimpri-Chinchwad Area

AI stack

antigravity

codex

opencode

Work experience

Product Development Manager at Mastercard, Apr 2021 - Present · 5 yrs 5 mos, India, • Defined and prioritized epics, features, and user stories based on business requirements. • Directed agile teams to develop an EMVCo-certified 3DS Server for secure payment authentication. • Managed product backlogs and ensured timely delivery of features using ALM Rally. • Developed and maintained comprehensive product documentation on Confluence. • Published customer-facing release notes detailing new functionalities and deprecated features. • Collaborated with implementation teams to streamline customer onboarding processes. • Conducted product demos and training sessions for stakeholders and clients.

Product Integration Consultant at Mastercard, Oct 2015 - Apr 2021 · 5 yrs 7 mos, India, • Facilitated the integration of Mastercard’s emerging payment technologies, including MoneySend and Digital Enablement Services. • Supported cross-functional teams in integrating emerging payment technologies. • Conducted gap analyses to align customer requirements with product capabilities. • Drafted implementation plans, test strategies, and task lists to support seamless integration. • Designed repeatable customer onboarding processes for global delivery teams. • Liaised between product development teams and customer delivery teams to ensure alignment. • Delivered training sessions on new products for internal and external stakeholders.

Technology Lead at Atos, Mar 2013 - Nov 2015 · 2 yrs 9 mos, India, • Directed the development of an Acquirer Clearing & Settlement module for multi-network payment systems. • Created user stories and acceptance criteria to guide agile teams. • Coordinated with paymet networks to understand and integrate clearing and settlement processes. • Analyzed business requirements and translated them into technical specifications. • Conducted product presentations to senior management and incorporated feedback.

Business Analyst at Capgemini, Sep 2010 - Mar 2013 · 2 yrs 7 mos, India

Software Executive at 3i Infotech Ltd., May 2008 - Aug 2010 · 2 yrs 4 mos, India

Business Analyst at Fluous Solutions Pvt. Ltd, Mar 2007 - May 2008 · 1 yr 3 mos, India

Education

Master of Business Administration - MBA, Information Systems, ICFAI business school

Bachelor of Engineering - BE, Computer Science, TIT Group of Institutions