Leading core platform, ordering, transactions, fraud and compliance for billions of Reward Value.Leading teams that drive open loop strategy and 1000's of brand for the content platform.

Help seed stage companies with product advisory to get off the ground !

Sivo is YC backed, a first of its kind debt-as-a-service company provides the APIs, tech stack and the $$ to enable software and web3 companies around the world to lend to their users.As CPO, I worked alongside an awesome group of founding team and my colleagues to deliver on the Debt as a service product that helps some of the most innovative and well-backed originators on the planet, including the Robinhood of Latin America; the largest POS software provider to North American independent gas stations; US and Non-US neobanks etc. Launched Yield as a service product to help grow the supply side of the capital. Lots of learnings, experimentations, growth hacks and shipping mentality working along side great engineering, marketing, data and risk teams to grow the business.

City Builder® by Citi is a free, data-driven platform designed to help investors, fund managers, developers, municipalities, and community members make impactful, place-based investments, beginning with U.S. Opportunity Zones. City Builder provides investors with tools and information about local demographics, social needs, and investment funds to help them find investment opportunities that will make a positive impact.WorthiSM by Citi is a free, online tool that provides personalized market insights and resources for workers to improve their skills in today’s evolving job market. Leveraging data on 1,800+ roles and 17,000+ skills, Worthi can help users identify and grow their skills, explore new professional paths, and confidently pursue their career goals.

Helped launched India's first payment bank at Airtel - world's third largest telecommunication company with more than 300M subscribers.Led Product, UX, Analytics and Marketing teams in a hyper growth phase from 0 to 20M customers in the first year since launchHired world-class talent in Product and Engineering; built the leadership team from scratch.Drove big improvements in productivity across the product and engineering teams by organizing around tribes/squads and ensuring alignment on priorities with KRA's.Highlights:1. Launch of UPI - Making it seamless and convenient to pay2. Digital onboarding - Less than 3 mins to get a bank account. No paperwork.3. Domestic Remittances - Sharp segmentation with consumer research and telco data to drive remittances.4. Top of mind for Airtel Recharges5. Digital government subsidies.Travelled extensively across length and breadth of India to understand consumer need, ethnographic research and infused Silicon valley culture of iterating to get to a product market fit than striving for perfection.

Prosper is America’s first marketplace lending platform, with more than 2 million members and over $7 billion in funded loans.HighlightsBuilt a team of 15 personnel including product managers, engineers, UX designers, QA and product analytics during a period of 5x growth in a year.Orchestrated a design/ need finding philosophy in the company to develop consumer products - including user research, product market fit, commercialization.Launched Prosper mobile SDK - the first in online lending marketplace - and integrated with Billguard and drive first native origination.Led strategic mobile acquisitions and integrations with Prosper – including the acquisition of Billguard app.Led UX research with host of partners including Apple and payment networks to drive POS use cases.Inventor of a patent for the lending SDK.https://github.com/prosperllc/Prosper-iOS-SDKhttps://github.com/prosperllc/Prosper-Android-SDK

Consumer Product owner for Visacheckout.com, Checkout native mobile SDKs, White Label Issuer flows.Responsible for product vision, strategy and roadmap of the Visa checkout product including onboarding on web, issuer and merchant sites and native mobile experiences.Part of the leadership team for implementing the pivot from V.me to Visa checkout.Conceptualized and launched - iOS and Android native SDKs for Fortune 100 retailer apps.Managed overall consumer product analytics and CRM for the site and platform. Drove product efficiencies while iteratively improving funnel conversion on onboarding and checkout.Conceptualized and led various POCs - iBeacon and Payments, Coupons at POS and loyalty using QR codes.Drove INTL adoption working along with global stakeholders.Worked in a matrix’ed organization responsible for 10+ product managers, 75 developers across various geographies.Led integration with our acquisitions of Trial Pay and Playspan into Visa Checkout product.Inventor of 3 Patents related to mobile and E-commerce.

Joined AT&T via Plusmo acquisition. Part of a small startup team within AT&T defining local, mobile,social experiences.Highlights:Launched the Kindle Fire app - YP . #1 in Travel categoryRedesigned the entire consumer experience and refreshed the iPad app resulting in increased search queries ( +12%) and overall revenue.Partnered with R&D and engineering and launched a home grown push notifications tool.Part of the team that launched Menu search on YP iPad app - first of its kind in the local / mobile space.

Drove site and user growth for the global Internet franchise, Yahoo! Finance from 23M to 45M (+95%).Proposed and launched Market Pulse - a social aggregation utility for traders on Yahoo Finance. 10M+ unique users, #2 on timespent in the category.Reduced 21 global sites (12 code bases) down to one code base in < 20 months. Led the second iteration of Yahoo Finance iPad app including globalization.

Member of the Founding team as part of Stanford Technology Ventures formation - Business Plan, early prototypes, UXCruise Wise was later acquired by TripAdvisor

Worked on consulting engagements in storage,Fiber channel and Kernel programs. Mostly C and C++ programming for various low level kernel modules and firmware drivers.

Teach Software engineering, Programming to students in 3rd and final year of college.

hunch.com for skills evaluation to help tech companies do a first filter on college grads.Started the venture with two buddies of mine right after collegeCoded the site in ASP.net and was involved in business plan / demos Ahead of its time and the jobless rate was too high due to dotcom bust. Did not get enough traction and folded the venture.