Headline

Product Leader | Fintech & Platform Products | 0→1, Scale, Revenue & Growth | Pine Labs, Paytm, ICICI Bank

About

Product leader with 11+ years of experience building and scaling payments infrastructure and platform systems across merchant acquiring, real-time payments, and global payment ecosystems. Currently leading product initiatives at Pine Labs, owning high-scale payment platforms processing billions of transactions, with a focus on reliability, performance, and monetization. Previously led UPI acquiring and checkout platforms at Paytm, operating systems processing 2.8B+ monthly transactions and ₹830B+ GMV, and building monetization layers through credit and wallet products. Earlier, built merchant acquiring and commerce platforms at ICICI Bank, and developed data and enterprise systems at MAQ Software and Infosys. Focused on designing and scaling integration-heavy payment platforms across banks, issuers, and merchant ecosystems, with deep experience in payment orchestration, routing, and system reliability. Led initiatives improving transaction success rates (~98%), accelerating merchant onboarding, and enabling international expansion. Built and scaled 0→1 products across payments, data monetization, and AI platforms, including orchestration layers and automation systems. Experienced in operating within regulated environments while partnering closely with engineering, compliance, and commercial teams to deliver scalable platform capabilities. Interested in building financial infrastructure that abstracts complexity for businesses and developers, and enables seamless global commerce.

Location

Bengaluru

AI stack

claude code

claude

github copilot

lovable

n8n

Microsoft Copilot

Work experience

Group Product Manager at Pine Labs, Dec 2024 - Apr 2026 · 1 yr 5 mos, Bengaluru, Karnataka, India, • Led and mentored a team of 4 Product Managers, strengthening product thinking, execution quality, and ownership through structured coaching and governance. • Own a diversified payments portfolio including UPI, Alternate Payments, International Payments, Data Monetization (GrowthX), and AI-led platforms, while acting as IC for high-impact initiatives. • Drove UPI platform scalability by integrating additional authorization partners (IDFC, Setu), improving transaction success rates to 98%. • Launched EDC-independent onboarding for VoicePod and an aggregator-led UPI acquisition model, increasing UPI-specific onboarding by 15%. • Championed device-specific enhancements and on-demand / same-day settlement solutions, delivering a 10% uplift in payments revenue. • Streamlined cross-functional prioritization via weekly governance cadences, reducing UPI support tickets by 40% and cutting issue resolution time by 35%. • Expanded international payments footprint by launching a multi-issuer UAE EMI/EPP program across 5+ issuers, driving 18% EMI conversion uplift and 12% growth in international revenue. • Defined and scaled a Global SaaS payments platform, enabling 40% faster market launches and improving GTM adoption by 25% across APAC and the Middle East. • Launched GrowthX, a data monetization platform leveraging merchant transaction data for personalized campaigns, with 20+ brand campaigns executed within the first 3 months. • Designed and led a centralized AI orchestration platform (LLM integration layer) connecting POS apps, merchant portals, partner systems, and internal tools, reducing duplicate logic and accelerating AI feature delivery. • Led NLP/LLM-based omnichannel customer support automation (voicebot, chatbot, SMS, email, WhatsApp), reducing Tier-1 ticket volume and average resolution time by ~35%. • Led key APM integrations for CRED, Swiggy, Zomato District, and EazyDiner, contributing to a 20% increase in APM transaction volumes within six months.

Group Product Manager at Paytm, Oct 2023 - Dec 2024 · 1 yr 3 mos, Bengaluru, Karnataka, India, • Led a cross-functional team of 2 Product Managers and 1 Analyst, owning the end-to-end product lifecycle for UPI acquiring and online merchant checkout products. • Managed UPI acquiring platforms processing 2.8B+ transactions per month with ₹830B+ monthly GMV, focusing on success rates, conversion, and reconciliation flows. • Designed and launched RuPay Credit Card on UPI rails and Wallet on UPI rails for offline and online merchants, generating ₹65M in monthly revenue. • Ideated and launched UPI Lite for small-value P2M payments, reducing transaction time by 15% across 40% of volumes while maintaining 98% success rates. • Built and scaled a UPI Plugin SDK for online merchants, enabling seamless full-stack UPI integrations. • Launched bank-linking flows at checkout and wallet surfaces, adding 350K+ new UPI bank links per month across Paytm verticals. • Led compliance alignment with NPCI for Ultimate Beneficiary flows, reducing merchant onboarding timelines by 8 months. • Conceptualized and launched P2M UPI Collect via phone/UPI number, delivering a 10% improvement in transaction success rates. • Integrated UPI acquiring with 6 major banks and migrated 210K+ merchants to a new UPI switch infrastructure. • Improved UPI Collect success rates by 10% through backend routing optimization and front-end UX enhancements. • Launched UPI Intent flows for WebView and iOS, contributing to 15% GMV growth on web and 5% GMV growth on iOS.

Senior Product Manager at Paytm, Dec 2021 - Sep 2023 · 1 yr 10 mos, Bengaluru, Karnataka, India

Senior Manager ll - Product and Strategy, Merchant Payment Services at ICICI Bank, Apr 2020 - Oct 2021 · 1 yr 7 mos, Mumbai Metropolitan Region, • Part of the founding product team, leading zero-to-one initiatives to digitize retail merchant payments and commerce experiences. • Designed and launched an API Banking platform for POS devices, onboarding 4 partner organizations, acquiring 9,000+ merchants, and increasing revenue by 20%. • Defined and executed a 3-year merchant digitization roadmap covering forward and backward ecosystem integrations. • Built a B2B2C hyperlocal commerce platform, delivering 20% unit sales growth and 25% revenue growth across distributors and merchants. • Launched a digital loyalty program leveraging QR and UPI usage, reducing churn by 36%, increasing signups by 94%, and improving NPS by 62%. • Designed and deployed Tap-on-Phone onboarding flows, driving adoption for a leading merchant acquiring partner.

Senior Manager I - Product and Strategy (Merchant Acquring and API Banking) at ICICI Bank, Apr 2019 - Mar 2020 · 1 yr, Mumbai, Maharashtra, India

Product and Strategy Manager at MAQ Software, Apr 2018 - May 2019 · 1 yr 2 mos, Hyderabad Area, India, • Delivered revenue analytics and executive dashboards for US Financial Services clients with $50B+ annual revenue, enabling data-driven decision-making across growth, cost optimization, and operational efficiency initiatives. • Led RFP solutioning and effort estimation for analytics and data-platform engagements, contributing to multiple successful proposals and strengthening the firm’s positioning in data-led transformation programs. • Managed 20+ member cross-functional teams across large-scale ETL and BI initiatives using SQL, Power BI, and Visual Studio, while serving as Scrum Master and driving sprint planning, estimation, and retrospectives. • Drove organization-wide CI/CD adoption across delivery teams, improving deployment velocity, reducing manual release effort, and increasing overall delivery reliability. • Identified and executed AI/ML and automation use cases, authored internal white papers, and supported delivery of predictive analytics solutions to improve reporting efficiency and business insights.

Senior Systems Engineer at Infosys, Feb 2015 - Jun 2016 · 1 yr 5 mos, Mysuru Area, India, • Led business and system analysis for European BFSI clients with €3B+ in annual revenue, contributing to improvements in internet banking performance, scalability, and transaction reliability. • Translated business requirements into functional modules, use cases, and technical wireframes, enabling faster development cycles and clearer alignment between business and engineering teams. • Led a 3-member engineering team, coordinating delivery milestones and cross-team dependencies with Netherlands-based architects, ensuring adherence to enterprise design and regulatory standards. • Engineered high-performance J2EE modules to optimize document retrieval during peak usage, achieving a 100x reduction in fetch time and materially improving end-user response times. • Designed and implemented a Spring Batch data migration solution, improving batch processing efficiency by ~60% and reducing processing latency for large customer datasets. • Championed secure coding and quality practices using Sonar and AppScan, reducing critical vulnerabilities and supporting stable releases in SCRUM-based Agile environments.

Systems Engineer at Infosys, Oct 2013 - Jan 2015 · 1 yr 4 mos, Mysore, Karnataka, India

Education

Master of Business Administration - MBA, Finance, General, Indian Institute of Management, Indore

Bachelor of Engineering (B.Eng.), Electronics and Communications Engineering, Visvesvaraya Technological University