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Sunil Saxena

Product & Technology Leader(0→1→Scale) | Digital Payment, UPI, BBPS, Cards, Wallet & PA/PG | Merchant Acquiring | Digital Banking | AA & Lending | Cross-Border Payment | Risk & Compliance | | Founding Member –NIPL & ABCD

India

18+ years of work experience

PayGlocal
May 20266 mosPresent

On-site

Leading product technology, solution design and platform development across domestic and cross-border payment infrastructure, spanning PA-CB, merchant acquiring, payment gateway, risk & compliance and multi-rail payment acceptance. • Driving 0→1 payment capabilities across merchant onboarding, acquiring and domestic/cross-border payment journeys. • Defining solution architecture and technology roadmap across merchant onboarding and life cycle, orchestration, risk and compliance , APIs and merchant lifecycle platforms. • Working with engineering teams across transaction flows, scalability, resilience and implementation architecture. • Building risk and compliance capabilities across merchant onboarding, KYB, monitoring and regulatory workflows. • Evaluating emerging payment and AI-led capabilities to improve automation, decisioning and operating efficiency.
ABCD Aditya Birla Capital Digital
Feb 20233 yrs 1 moFeb 2026

Mumbai

Leading product strategy and platform development for consumer and merchant payments infrastructure within the Aditya Birla Capital Digital (ABCD) SuperApp ecosystem. Key Contributions: • Built and scaled UPI TPAP and wallet-based payment infrastructure supporting 7 millions+ users with industry one of best -(~95% ,BD+TD) SR through platform resilience, reliability, observability measures and payment journeys optimisations and enhancements. • Designed and implemented merchant orchestration platform integrating 7+ payment gateways/banks and scaled to ₹10,000+ Cr monthly GMV, set up operational process to achieve 100% settlement SR. • Built multi-rail payment infrastructure supporting UPI | Cards | Wallets | BBPS | Bank Transfers. • Led PPI and Payment Aggregator licensing journey including regulatory frameworks, risk controls, compliance architecture, and operational readiness with RBI & NPCI. • Enabled payment capabilities across Aditya Birla group ecosystem businesses including insurance, lending, investments, and merchant services. • Established partnerships with banks, fintech infrastructure providers, payment networks, and technology partners to scale payment acceptance and settlement infrastructure. • Conceptualized a physical QR merchant-acceptance proposition integrating TSP, escrow bank and soundbox ecosystem partners. • Led cross-functional teams across product, engineering, risk, compliance, operations, and ecosystem partnerships.
Kotak Mahindra Prime Limited
Sep 20211 yr 6 mosFeb 2023

Mumbai

Led payment products and platform capabilities for the Kotak 811 digital banking ecosystem, spanning UPI, IMPS, BBPS, cards, QR and payment integrations. Key Contributions: • Defined API-led integrations and payment transaction flows across UPI, IMPS and other digital payment rails, working closely with engineering, NPCI and fintech/TSP partners. • Led development and scaling of UPI and digital payment infrastructure supporting millions of users within the Kotak 811 ecosystem. • Integrated multi-rail payment capabilities including UPI, IMPS, Cards, QR and PG integrations payment solutions. • Built integrations with NPCI ecosystem rails including UPI, IMPS and BBPS • Collaborated with engineering teams to build scalable payment services architecture supporting high-volume digital payment transactions. • Worked with fintech partners to expand platform capabilities.
National Payments Corporation Of India (NPCI)
Sep 20174 yrs 1 moSep 2021

Mumbai

Part of NPCI’s product ecosystem during the early evolution of UPI and subsequently a founding member of NPCI International (NIPL), where I conceptualised and led the 0→1 development of UPI International, including the India–Singapore merchant-payment corridor. Key Contributions: • Led product proposition, ecosystem design and implementation of cross-border UPI merchant payments in Singapore. • Designed transaction, settlement, FX and operating frameworks required for cross-border UPI acceptance. • Worked with regulators, banks, payment networks and international payment-system operators, including stakeholders across the India–Singapore ecosystem, to establish interoperability. • Led UPI merchant acceptance through NETS QR and contributed to RuPay acceptance through NETS POS. • Defined risk, dispute, operations and governance frameworks supporting international payment acceptance. • Delivered the first live UPI merchant transaction on the Singapore corridor as part of the 0→1 launch journey. • Led UPI International scan-and-pay on NETS SGQR and contributed to UPI International QR specifications later implemented in the UAE.
ICICI Bank
May 20125 yrs 5 mosSep 2017

Mumbai Area, India

Owned product and portfolio growth for corporate payment solutions, driving scale across high-volume enterprise ecosystems. • Delivered measurable impact on transaction growth, utilization, and revenue through data-driven product and portfolio strategies. • Expanded enterprise portfolio by onboarding large corporates and strengthening bank–client integrations. • Drove cross-functional execution to improve product scalability, operational efficiency, and customer experience.
Jan 20064 y 2 moMar 2010

Jaipur

Sunil’s AI Stack

claude
claude
gemini
gemini
glama
glama

Education

Indian Institute of Management, Calcutta

Finance

Indian Institute of Management, Calcutta

20122 yrs2014
University of Virginia

Certification, Digital Product Management

University of Virginia

20202020

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Headline

Product & Technology Leader(0→1→Scale) | Digital Payment, UPI, BBPS, Cards, Wallet & PA/PG | Merchant Acquiring | Digital Banking | AA & Lending | Cross-Border Payment | Risk & Compliance | | Founding Member –NIPL & ABCD

About

Product ∩ Technology ∩ Risk & Compliance ∩ Business Fintech, Digital Payments and Product Technology leader with 17+ years of experience, including 14+ years across banking, payment networks and fintech, building and scaling consumer, merchant and enterprise financial products from 0→1→scale. My experience spans Digital Payments, UPI/TPAP, Merchant Acquiring, PA/PG, Cards & Issuing, Commercial Cards & B2B Credit, PPI/Wallets, BBPS, Digital Banking, Cross-Border Payments, Fraud/Risk Platforms and Embedded Financial Services. Across ICICI Bank, NPCI/NIPL, Kotak 811, Aditya Birla Capital Digital and PayGlocal, I have worked across the ecosystem — payment network, bank/PSP, TPAP, issuing, acquiring, merchant platforms, fintech and international payments. At NPCI, I was part of the UPI journey and a founding member of NPCI International (NIPL), where I conceptualised and led the 0→1 development of UPI International, including the India–Singapore merchant-payment corridor, spanning product, ecosystem design, cross-border processing, FX, settlement, risk, regulatory alignment and launch. My experience includes: • Digital Payments & UPI — TPAP, P2P/P2M, merchant payments, UPI International, QR, BBPS, PPI and digital-payment journeys • Merchant Acquiring & Payment Platforms — PA/PG, merchant onboarding & lifecycle, orchestration, routing, QR/Soundbox, reconciliation and settlement • Cards, Lending & B2B Credit — Commercial/Corporate Cards, virtual cards, sanctioned credit lines, exposure management, billing/repayment cycles and enterprise payments • Cross-Border Payments — international corridors, acquiring, FX, liquidity, settlement, disputes and regulatory frameworks • RiskTech & Compliance — KYC/KYB, AML, merchant risk scoring, FRM, transaction monitoring, risk decisioning and regulatory-led product design • Product Technology & Architecture — APIs, microservices, switching, tokenisation, transaction lifecycle, scalability and resilience • Business & Platform Economics — product strategy, pricing, monetisation, vendor economics, CapEx/OpEx and ecosystem partnerships • AI-enabled Fintech — deterministic/AI-assisted workflows for compliance, merchant decisioning and business analytics Built and scaled platforms supporting 7M+ users, ₹10,000+ Cr monthly payment volumes, multi-bank/PSP integrations and bank-facing TSP capabilities. My approach connects customer and merchant problems with product strategy, technology architecture, risk/regulation, operating models and commercial outcomes.

Location

India

AI stack

claude

gemini

glama

Work experience

Director of Product Technology at PayGlocal, May 2026 - Present · 6 mos, On-site, Leading product technology, solution design and platform development across domestic and cross-border payment infrastructure, spanning PA-CB, merchant acquiring, payment gateway, risk & compliance and multi-rail payment acceptance. • Driving 0→1 payment capabilities across merchant onboarding, acquiring and domestic/cross-border payment journeys. • Defining solution architecture and technology roadmap across merchant onboarding and life cycle, orchestration, risk and compliance , APIs and merchant lifecycle platforms. • Working with engineering teams across transaction flows, scalability, resilience and implementation architecture. • Building risk and compliance capabilities across merchant onboarding, KYB, monitoring and regulatory workflows. • Evaluating emerging payment and AI-led capabilities to improve automation, decisioning and operating efficiency.

Head of Products (Payment Platforms & Ecosystem 0→1→N) at ABCD Aditya Birla Capital Digital, Feb 2023 - Feb 2026 · 3 yrs 1 mo, Mumbai, Leading product strategy and platform development for consumer and merchant payments infrastructure within the Aditya Birla Capital Digital (ABCD) SuperApp ecosystem. Key Contributions: • Built and scaled UPI TPAP and wallet-based payment infrastructure supporting 7 millions+ users with industry one of best -(~95% ,BD+TD) SR through platform resilience, reliability, observability measures and payment journeys optimisations and enhancements. • Designed and implemented merchant orchestration platform integrating 7+ payment gateways/banks and scaled to ₹10,000+ Cr monthly GMV, set up operational process to achieve 100% settlement SR. • Built multi-rail payment infrastructure supporting UPI | Cards | Wallets | BBPS | Bank Transfers. • Led PPI and Payment Aggregator licensing journey including regulatory frameworks, risk controls, compliance architecture, and operational readiness with RBI & NPCI. • Enabled payment capabilities across Aditya Birla group ecosystem businesses including insurance, lending, investments, and merchant services. • Established partnerships with banks, fintech infrastructure providers, payment networks, and technology partners to scale payment acceptance and settlement infrastructure. • Conceptualized a physical QR merchant-acceptance proposition integrating TSP, escrow bank and soundbox ecosystem partners. • Led cross-functional teams across product, engineering, risk, compliance, operations, and ecosystem partnerships.

Head of Payments – Kotak Mahindra Bank 811 | Built 0→1 Digital Banking Payments Stack at Kotak Mahindra Prime Limited, Sep 2021 - Feb 2023 · 1 yr 6 mos, Mumbai, Led payment products and platform capabilities for the Kotak 811 digital banking ecosystem, spanning UPI, IMPS, BBPS, cards, QR and payment integrations. Key Contributions: • Defined API-led integrations and payment transaction flows across UPI, IMPS and other digital payment rails, working closely with engineering, NPCI and fintech/TSP partners. • Led development and scaling of UPI and digital payment infrastructure supporting millions of users within the Kotak 811 ecosystem. • Integrated multi-rail payment capabilities including UPI, IMPS, Cards, QR and PG integrations payment solutions. • Built integrations with NPCI ecosystem rails including UPI, IMPS and BBPS • Collaborated with engineering teams to build scalable payment services architecture supporting high-volume digital payment transactions. • Worked with fintech partners to expand platform capabilities.

Product Lead (0-to-1 : UPI & Cards) at National Payments Corporation Of India (NPCI), Sep 2017 - Sep 2021 · 4 yrs 1 mo, Mumbai, Part of NPCI’s product ecosystem during the early evolution of UPI and subsequently a founding member of NPCI International (NIPL), where I conceptualised and led the 0→1 development of UPI International, including the India–Singapore merchant-payment corridor. Key Contributions: • Led product proposition, ecosystem design and implementation of cross-border UPI merchant payments in Singapore. • Designed transaction, settlement, FX and operating frameworks required for cross-border UPI acceptance. • Worked with regulators, banks, payment networks and international payment-system operators, including stakeholders across the India–Singapore ecosystem, to establish interoperability. • Led UPI merchant acceptance through NETS QR and contributed to RuPay acceptance through NETS POS. • Defined risk, dispute, operations and governance frameworks supporting international payment acceptance. • Delivered the first live UPI merchant transaction on the Singapore corridor as part of the 0→1 launch journey. • Led UPI International scan-and-pay on NETS SGQR and contributed to UPI International QR specifications later implemented in the UAE.

Product Manager (Commercial Cards & B2B Lending) at ICICI Bank, May 2012 - Sep 2017 · 5 yrs 5 mos, Mumbai Area, India, Owned product and portfolio growth for corporate payment solutions, driving scale across high-volume enterprise ecosystems. • Delivered measurable impact on transaction growth, utilization, and revenue through data-driven product and portfolio strategies. • Expanded enterprise portfolio by onboarding large corporates and strengthening bank–client integrations. • Drove cross-functional execution to improve product scalability, operational efficiency, and customer experience.

Procurement Manager at Indian Institute of Rural management, Jan 2006 - Mar 2010 · 4 y 2 mo, Jaipur

Education

Finance, Indian Institute of Management, Calcutta

Certification, Digital Product Management, University of Virginia