---
title: "Sunil Saxena - Director of Product Technology in India | Tal"
description: "Meet 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 based in India. AI stack includes claude, gemini, and glama."
image: "https://tal.club/meet/sunil-saxena/share-image"
---

# Sunil Saxena on Tal

## 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

[View the original profile](https://tal.club/meet/sunil-saxena)

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