Reloadhero is a digital goods shop selling gift cards, gaming credits and prepaid cards.

We advise payments and gaming businesses as a fractional executive and invest in startups.

TWBS is an exciting fintech which I started with some of the smartest, nicest and genuine people in payments and fintech! We deliver fully hosted and managed open and closed loop prepaid programs powered by our TWBS Finesse platform. We called it TWBS because- This Will Be Successful.

Juspay is one of India's most exciting Fintechs with several payment products used by India's top merchants such Flipklart, Ola, Amazon and touching a a large chunk of India's mobile payments. I'm advising juspay on product strategy and achieving product market fit for Juspay in a few new areas.

The business and assets of MIR limited, which owned and operated MuchBetter wallet were acquired by Investcorp. MuchBetter is an app based payment wallet allowing customers and merchants across the world to process and manage e-payments in a secure, fair and economical way. Our customer onboarding process allows to set up an account under a minute and start benefiting from our competitive foreign exchange rates, customer to customer transfers, rewards and state of the art security features. EEA customers can also be able to request for a MuchBetter Card which can be used globally at millions of locations worldwide and benefit from our competitive currency exchange rate. Much Better combines state-of-the-art technology and security to deliver a slick account management and customer payment experience. We called it Much Better, because we simply had to!As Co-founder and COO at MuchBetter.com I am responsible for - Product management and development- Customer and Merchant OperationsFrom a idea on a piece of paper, I have worked with my 3 co-founders to build a successful business. I built up the product team, have a patent pending for an app-based dynamic CVV solution. Most of the world's top online gaming merchants are now integrated into our system, and in the last 4 years, we were shortlisted for 29 awards within the payments and online gaming space of which we won 7. I also grew and ran the customer operations team which runs across 4 geographies and supports our merchants and users, while also minimizing our fraud losses. I've dabbled in most bits of the business including making strategies and plans, procuring a licence, procuring suppliers, being a product manager, writing queries, supporting merchants, replying to users, writing queries, writing fraud rules, dabbling a little bit into marketing, writing a patent application, liaising with suppliers, partners and card schemes.

On a sabbatical from Rational group. Advising a startup in the area of payments and risk management, catching up on reading, introspecting and spending time with family!

Reporting to the COO, I am responsible for Payments Business development and product management for PokerStars and Full Tilt poker. I worked on- Increasing conversions and optimizing customer journey- Managing supplier relationships and negotiations across card acquirers, a variety of alternative payment methods - Reducing cost of payments processing- Running experiments to optimize for conversion, yield- Strategic payments projects to increase revenue

AFPL is a financial technology firm set to disrupt the traditional world of credit and payments. Our flagship product ePayLater (epaylater.in), is one of India's first 1-click checkout with "Buy Now Pay Later" service. Its state of the art algorithms allow merchants and financial institutions to improve both their topline and bottomline by doing credit and fraud risk assessment on the fly.

Reporting to to the Sr. Director of Operations, I have a team of Sr Product managers, Product managers responsible for several customer facing and back office products. I also manage an analytics team (database, domain, and statistical experts). My team works to increase deposits, increase conversions, reduce fraud, increase customer satisfaction, reduce operational workload, improve operations service level, increasing staff productivity and efficiencyMy portfolio includes • Key customer facing client and web functionality (Real money account creation, Payments (money in, money out, inter-player and inter-site transfer), Security (passwords, opt-in-security methods), Customer support (self-help, contact support), Live assistance offers and related back office functionality to maximise revenue•In-house Back-office tools and systems relating to Payments and transaction processing, fraud engines, case management – for customer support, live assistance and fraud screening• Modifying products and tools – to support compliance with regulated markets and to ensure operational teams can take advantage of / support new business initiatives, platforms and game types released by other teams•Data and analytics - relating to portfolio of products and tools managed -e.g. A/B testing of cashier features and payment methods, data driven product optimization such as identifying predictors of fraud, conversion.We identify product /functionality needs, write specifications, work with software developers during development, perform UAT, release software to our stakeholders, analyse and optimize released products.I am responsible for setting the roadmap of development across operations, business planning, setting and tracking goals and kpis for the group, managing monthly release priorities and tracking product delivery to the planned roadmap, and value from released products.

Managing a team of 5 product managers responsible for deposit and cashout options on the PokerStars cashier. My team was responsible for on-boarding products, managing vendor relationships, minimizing costs, and improving approvals.

Managing product development process and maintaining /prioritizing product development roadmapManaging vendor relationships,specifying business requirements and working with software development teamsMonitoring and optimizing payment solutions on KPIs Designing and improving internal tools, configuring internal systems for reducing transaction error rates and processing costs

Product manager with the payments team - writing business requirements, working with development teams, creating product documentation / collateral, product pricing, sales support and working with customers during PS integrations. Worked on solutions for bill pay account switching, payments risk assessment, electronic and paper check payments.

Business analyst / consultant working on assignments for US customers - gathering business requirements onsite and translating them into functional specifications and working with offshore teams to get technical solutions developed. Worked on assignments for Pension fund Remittances, Patents /IP search and analysis, Web Content Management.

Worked on back office system requirements - for custody / fund accounting system

Worked with a business analyst to set up a documentum practice from scratch

Worked on several software development projects - in Palm OS SDK, Visual C++, VB, Java