PayNways, Simplifying Payments through its Single Unified Payments Platform PayGlobal360. Comprehensive payments processing platform conforming to high standards of regulatory and security compliance with large-scale processing capability. Applying predictive risk intelligence to payments preventing returns and fraud. Identifying occurrences and reducing payment risk before it occurs, unlocking real-time funding through a single API integration.

Make a difference in the way Indians Save & Invest! Sqrrl is a digital first personal finance brand aimed at making savings and investments delightful for Indians. A new age brand that articulates personal finance management in a simple intuitive manner while giving its consumers the very best in technology led personal finance solutions.

Shape the technology strategy and spearhead the IT engineering efforts for all the Hewepro product lines (PMS AIF World, AdviceSense Wealth Management, Investonomics, Smart Money Manager Summit & Awards, Advisonomics). Oversee product and technology development efforts focused on delivering innovative, highly scalable, and efficient DSS (Decision Support Systems) products using Lean Startup Methods and Agile (High Velocity SCRUM). Own the development, release, quality, maintenance, and support of several critical fintech applications, services integrations, and capabilities supporting the portfolio.Key Duties: Provide executive leadership and technology strategic direction to ensure program and project delivery is in line with the business goals and objectives. Ensure 99.9% uptime for IT infrastructure. Determine the strategic direction of product development and uphold the organization’s position at the forefront of technology by focusing on product content and user design. Define core functionalities for the products by understanding market and technology trends. Lead all aspects of architecture, software, and product development & support, including make vs. buy analysis, investment rationalization, cost-benefit analysis, contract negotiation, and execution and managing the delivery schedule for financial critical applications. Leverage my technical depth and ability to analyze data, eliminate inefficiencies and achieve aggressive goals to set a personal standard for excellence for myself and my stakeholders.

Directed several large-scale developments and implementations involving multi-million-dollar migrations of acquired companies’ on-premise or cloud hosted SaaS products to a centralized cloud, thereby allowing the organization to standardize on code repositories, CI/CD pipelines, high-frequency release cadence and software engineering processes using Lean Agile, TDD and DevOps.Key Achievements: Led new product developments, executed code re-engineering and platform standardization plan across the acquisitions and products to create and release efficient cloud-ready solutions, involving REST/SOAP Web-services & Micro-services architecture (Spring Boot) and technologies such as Java/J2EE, AWS, Lambda, Git, Jenkins, Maven, Ansible, Docker, VMware, and Kubernetes. Established clear and measurable objectives in line with the organizational vision of 25% QoQ profitability and productivity improvements. Set and oversaw aggressive goals to make month-to-month costs lower and more predictable and drove weekly productivity improvements to obtain significant levels of value.  Created standard operating procedures (runbooks and playbooks) to facilitate best practices for more efficient SaaS Operations and Software Engineering. Built and delivered next generation talent pipelines for 50+ engineering roles. Recruited, nurtured, and mentored high-performance remote teams of 2500+ product and software engineering consultants and leaders spread across the world, to help shape the technical roadmap for rapidly scaling products.

Bharosa Advisor (Bharosa Technoserve Private Limited)is a SEBI Registered Investment Advisory firm (RIA # 100004657) , started with a desire to improve financial well-being. Bharosa’s dream is to create a shared utility which addresses the last mile problem for simple, honest, effective and commission-free financial products.Envisioned, defined, and executed the product roadmap – Market/Competition Analysis, Wireframing, MVP, Content, Usability, UX, Compliance, Fraud and Legal, etc. Key Achievements: Spearheaded the development and roll-out of various innovative omnichannel strategy based Bharosa applications (customer portal, advisory portal, CRM, mobile apps, channel partners application, analytics engine, algorithms, service desk, chat bots, IVR); defined and setup project management processes. Captured 40% savings in technology cost within the first 6 months – lean teams, make/buy analysis, open-source solutions, renegotiated contracts with new vendors; enhanced quality assurance and maintained timelines. Hired, coached, and mentored action-oriented in-house development and vendors’ teams; consistently met documented deadlines and objectives; marrying Agile with PMI management processes. Consistently achieved 100% on-time deliverability by maturing the SDLC processes, implementing real-time feedback tools. Established systems and processes for queries/disputes management, day-to-day operations, and customer support.

Planned, Organized, Staffed and Executed the "Payments and Prepaid Wallets" program for transit domain. Conceptualized and led the development/roll-out of all modules of the "Smart Payments" product in collaboration with business owners. Involved in planning product strategy, defining product roadmap, prioritizing features for various transit solutions like Automated Vehicle Tracking Systems, Electronic Ticketing Systems, Driver Rating System etc.Key Achievements: Developed and optimized backend solutions to process data received from 60000+ vehicles every 10 seconds and provide the processed data and insights to various frontend applications to make intelligent decisions. Led the backend team responsible for providing data to moonshot products like “PoochO” Android/iOS mobile app, providing real-time information to commuters about seat availability and route tracking for 1300+ city buses and 50000+ autos. App launched by Lt. Governor of Delhi and well covered by international media like BBC News for its revolutionary features Implemented a formal project management process based on PMBOK and SDLC, reduced project delivery timeline by 30% and system defects by 70%; led all the projects under the program for CMMI audit. Adroitly managed and drove strategic vendor engagements and deliveries. Led PCI-DSS security audits for RBI license

Provided technical direction and guidance as well as firsthand project-management for all new development, technology implementation, delivery initiatives, and quality compliance.Key Achievements: Provided leadership to and was accountable for the performance and results through layers of management.  Coordinated with stakeholders for invoices and work bids. Functioned as an executive liaison between partners, customers, and the organization. Worked closely with 3rd party vendors for new initiatives and maintaining existing relationships. Built KPI dashboards that improved the accuracy, transparency, and compliance of financial reporting and planning for numerous client businesses.

Led the Delivery Management Office for the business unit, ensuring that programs/projects were prioritized and aligned with strategic objectives. Identified and established Key Performance levers and delivered productivity benefits.Key Achievements: Supported and tracked improvement efforts (CSAT; Process Compliance Index; reduce overheads; improve margins, resource pyramid optimization, COLA adjustments, etc.) Tracked revenue targets of 90 million USD spread across 150+ projects and 1500+ resources. Conducted reviews for projects/programs to check the progress on agreed performance levers

Responsible for the development and implementation of FinnOne products; and delivery of customized solutions for global clients. Led pre-sales team for Southeast Asia, US & Latin Americas; responding to RFP/RFI, preparing partnership proposals and capability demonstrations to customers.Key Achievements: Demonstrated excellence in leading engagements across different geographies viz. Japan, USA, Europe, Latin America, Middle East, South East Asia, and India. Full lifecycle application development. Designing, coding, and debugging applications. Software analysis, code analysis, requirements analysis, software review, identification of code metrics, system risk analysis, software reliability analysis.