Headline

Payments @PhonePe || NITR’24 || IIMB x Swayam || Ex-IIT Patna || Ex-IIIT Hyderabad

About

An NITR'24 grad with interests in Payments, product management, finance, technology, travel, photography, and pop culture. An aspiring product manager. I learn fast, fail fast. I make data-driven decisions and solve problems using first principles. Here's a snapshot of my journey: - Graduate Trainee @PhonePe: At PhonePe, I dove into the world of payments for the Payment Aggregator business. Here, I managed Cards, Netbanking, NACH and Cross-Border Payments. Led partnerships with various PAs, PGs, banks, and Fintechs. Provided business insights, MBR, and WBR for tracking metrics. My major focus was on cost reduction, product implementation, managing banking support, and orchestrating new PG integrations. - Training Coordinator @NITR: As a TC at Placement Cell, NIT Rourkela, I organized workshops, seminars, skill-building sessions, conducted assessments, and mock interviews for the junior batches.

Location

Bangalore Urban

AI stack

claude

gemini

lovable

ChatGPT

Work experience

Consultant at PhonePe, Oct 2025 - Present · 10 mo, Bengaluru, - Working as a Banking Consultant within PhonePe's Payments vertical. - Driving Relations and product implementation for various instruments like Cards, Net-banking, e-NACH and Cross-border payments. - Optimising PhonePe's cost for the In-app and PG business by leveraging interchange negotiations, treasury interventions, and network programs. - Working on PA-Cross Border Evaluation and Implementation from 0 -> 1 for PhonePe's new vertical. - Driving Tax Collection mandate charter i.e. CBDT, GST, and Customs payments with Agency Banks with PhonePe as the PA.

Graduate Trainee - Payments at PhonePe, Jul 2024 - Oct 2025 · 1 yr 4 mos, Bangalore Urban, - Driving Alliance for Cards, Net‐banking, and eNACH for PhonePe App and PG business. - Orchestrated E2E PG integrations of 4 PGs. - Reduced the CoR by 22 Cr in FY-1 and by 15 Cr in FY-2 across emerging and non‐emerging categories. - Managed Cost Efficiency for top contributors and optimized cost. - Led NPCI's Bharat Connect Project for Net-banking.

GT Intern at PhonePe, Jan 2024 - Jun 2024 · 5 mo, Bangalore Urban, - Joined as a 6M Intern in the Banking team of PhonePe. - Managed the E2E complex workflows of Cards, Netbanking, and NACH. - Analysed data, led relationships with PG/ PAs for merchant acquiring. - Closed multiple SLAs and agreements with the banking partners. - Debugging payment problems.

Training Placement Coordinator at Career Development Center, NIT Rourkela, Nov 2023 - Nov 2024 · 1 y, Raurkela, - Guided and prepped students for the upcoming placement season. - Prepared juniors for internships and placements. - Trained students for online assessments, GD, technical interviews, behavioral rounds, and CV building sessions. - Showcased a great journey of leadership, responsibility, and dedication.

Intern at Steel Authority of India Limited, May 2023 - Jun 2023 · 2 mos, Raurkela, - An enriching on-site summer internship experience at SAIL India - A transformative month at the Special Plate Plant. - Engaged in various aspects of the manufacturing process, gaining hands-on experience in quality control, production planning, and operations optimization.

Education

Bachelor of Technology - BTech, Electrical Engineering, National Institute of Technology Rourkela

Higher Secondary, Science, kendriya vidyalaya