• Leading the architecture and agile development processes for merchant onboarding, servicing, and payment solutions, collaborating closely with product, delivery, security, and IT stakeholders.• Creating a robust data and ETL architecture aimed at pinpointing Source of Origin (SOO) and System of Record (SOR) across various applications. Employing batch, real-time, and hybrid models to align with company-wide data governance policies and security measures. This facilitates the maximization of data assets for informed decision-making, AI model development, and reporting.• Leading the integration efforts with RS2, HPS, and Cybersource for seamless payments and settlements, as well as with Invigate for efficient merchant onboarding and delivery processes.

• Drove rapid Agile development using the offshore technical team to launch the product in six months with integration with Shopify, Square, WooCommerce, LightSpeed IMS, and POS.• Build a master product catalog with 1M+ products across multiple local merchants and national merchants for Burlingame city.• Saved engineering development costs by 50% without impacting software quality or release cycle by contracting with offshore partners.

• Lead architecture and implementation for mPOS for in-store and endless aisle architecture and implementation using BBPOS & Adyen POI and CyberSource & Adyen payment gateway for US stores.• Lead the data analytics and machine learning team to define architecture and pipeline for sales forecast and in-store replenishment process based on season, new product line, and market region.• Lead architecture and implementation for RFID for inventory and replenishment process in-store, PC13 level sales predictions, and replenishment quantity daily, process to reconcile inventory with backend and in-store using a mobile app on iPod.• Lead the team to implement a solution to improve in-store productivity by 10% and inventory accuracy to 98.6%• New architecture & cloud strategy helped Levi’s to achieve 25% cost saving with AWS and achieve real-time inventory details

• Co-ordinated with engineering and product management team as Payment SME for smooth integration with payment card network and retailer’s backend systems• Enabled secure integration of Visa Checkout, MasterCard MDES, Masterpass, In Control API, and Discover Digital API in only 12 weeks by providing payment domain expertise to the technical team.• Orchestrated company-wide implementation of QR code-based Kohl’s Pay on Omnyway Platform, recognized as the most successful program with a 95+% customer adoption rate.

• Drove business launch, including recruiting, directing, and building the technical capacity of 100+ resources including directors, managers, software engineers, quality assurance analysts, DevOps professionals, and business analysts in the US and India.• Optimized program and project delivery with the implementation of Agile and Kanban practices to streamline development.• Enabled clients in technology, blockchain, payment, and healthcare industries to achieve a 40% reduction in labor costs and time-to-market by defining, designing, developing, and delivering innovative solutions.• Collaborated with FE Credit (Consumer Credit Bank of Vietnam) business and technology group to define requirements, user stories, and technology stack to develop omnichannel digital software for sales force and collection. Realized a 25% increase in sales and a 40% increase in loan collection within the first six months after the product go-live.

• Recruited and managed a team of 80+ Directors, Project managers, iOS, Android, Java, and frontend developers at onsite and three offshore locations (India, Singapore, and Ukraine)• Established and managed framework for project management, professional services, customer support, pre-/post-sales, systems integration, and deployment• Played a key role in closing and executing 8M+ dollar commercial launch deals to deploy NFC/Mobile Payment products to major Americas & EMEA banks, including Bank of America, Citibank, RBC Canada, CIBC, and others.• Delivered 36 NFC mobile payment software product rollouts and pilot projects to global customers over five years.• Drove rapid development and delivery by introducing Agile processes and decreased product integration and rollout cycle from six months to two by implementing SOA for the integration layer.• Led NFC technology innovation team that filed eight patents and delivered mobile payment software based on NFC and Contactless from prototype to production in only nine months.• Slashed R&D and engineering development costs by 3M+ dollars annually without impacting software quality or release cycle by contracting with an offshore partner.

Brought on to launch development team for NFC mobile TSM (over-the-air/OTA card provisioning infrastructure software for credit card, promotion, and coupon provisioning and smart poster management) and next-generation mCommerce platform (loyalty, prepaid, and promotions processing). Hired 30+ developers, SOA engineers, technical directors, and project managers at four on- and offshore locations. Managed budget allocation and prioritization. Collaborated with leadership to define corporate objectives.• Led NFC technology innovation team that filed eight patents and delivered mobile payment software based on NFC and Contactless from prototype to production in only nine months.• Participated in Smart Card Alliance, GSM, ETSI, EMV, GlobalPlatform, and other specification forums.• Architected and built next-gen mCommerce platform using ISO 8583, MIFARE, and online credit, debit, and ACH processing for prepaid and gift card top-up along with POS software using POS/ECR and NFC mobile payment and OTA card provisioning using NFC-enabled handheld devices for embedded and USIM (UICC) secure element systems in accordance with industry standards for 3G payment systems.• Oversaw support for open source Java (J2EE, J2ME), JPOS, and Linux development environment, including providing detailed metrics tracking for 24x7 global SLAs for online performance, availability, error rates, problem resolution, and data security.• Slashed R&D and engineering development costs by 40% without impacting software quality or release cycle by contracting with offshore partner.

Accountable for hosted Internet-based enterprise employee benefits management application development, QA and Support. o Built and manage team of 30 software developers, testers, and project leadso Manage day-to-day product development, coding, and database design activities o Architect and build benefit services enterprise application to communicate, enroll, and administer employee benefits using HIPAA guidelines and dynamic employee eligibility business roles

Re-architected a standalone loan processing application using client-server-based architecture to provide a single platform through which the department can effectively monitor and manage key loan pipeline activities.o Managed day-to-day product development, coding, and database design activitieso Utilized Microsoft platform (Visual Basic, SQL Server, Oracle, Java)