Headline

Product Manager – Payments | Acquiring, Issuer & Merchant Platforms | Gateways, Risk & Disputes | CUA®

About

Payments Product Manager with an experience in building and scaling complex, regulated payment platforms across merchant, acquiring, and issuer ecosystems. I have worked across payment gateways, merchant acquiring suites, Intelligent transaction routing, fraud and risk systems, and compliance-driven tools—translating scheme rules and regulatory requirements (Visa, Mastercard, NPCI, EMVCo) into scalable, real-world product capabilities mainly in the regions of India, Middle East and Europe. I bring a human-centered design mindset to payments, applying CUA® principles to ensure products remain clear, intuitive, and trustworthy while delivering meaningful value to both businesses and customers.

Location

Bengaluru

AI stack

claude code

claude

gemini

notion

openai

claudecode

Work experience

Product Manager at FSS, Mar 2023 - Present · 3 yrs 6 mos, Designed the transition from BEPG to 3D Secure protocol for end-to-end transaction flows, implementing EMVCo SecureNxt standards. • Developed features such as rapid merchant onboarding, one-click checkout, and built-in fraud detection for the Payment Gateway. • Integrated Apple Pay and Samsung Pay for Middle Eastern banks, enhancing payment options for user

Product Management at Wibmo, Nov 2017 - Present · 8 yrs 10 mos, Bengaluru, Karnataka, India, • Designed and enhanced a multi-tenant real-time fraud detection system for issuers, acquirers, and processors. • Developed self-learning risk models and a dynamic risk rules engine to improve security measures. • Integrated an intelligent risk engine for adaptive authentication, reducing friction for end users. •Developed Out-of-Band (OOB) mobile authentication SDK for eCommerce and banking transactions.

Product Manager at Wibmo (A PayU/Naspers Company), Apr 2017 - Mar 2023 · 6 yrs, Led development of risk management and payment security products from ideation to launch. Gathered and translated customer and market requirements into PRDs, BRDs, user stories. Managed product backlog, prioritized features, and coordinated agile sprints. Conducted end-user research, competitive analysis, and stakeholder interviews to drive roadmap decisions. Facilitated UAT, customer onboarding, and post-deployment support for key clients.

Senior Test Engineer at WIPRO TECHNOLOGIES, Jan 2011 - Dec 2016 · 6 yrs, Bengaluru, Karnataka, India

Education

Bachelor of Engineering, N M A M Institute of Technology, NITTE

Bachelor of Engineering - BE, Visvesvaraya Technological University