• Pioneered the establishment of the Merchant Ecosystem as a founding member, with a focus on spearheading the development of the inhouse Payment Gateway• Drafted BRD for 10 distinct onboarding flows for Digital onboarding for ETB, NTB and small category merchants• Collaborated with major PG and networks to spearhead a comprehensive project focused on large-scale merchant onboarding ensuring seamless and efficient integration processes• Utilized technologies such as APIs for the seamless merchant onboarding process and used wireframing tool Figma for merchant dashboard to provide superior user experience and facilitating seamless navigation for merchants• Led the conceptualization of the Multifactor Smart Router logic and integration of payment processors for cards/UPI/Net Banking & Wallet transactions • Created UAT plan, defined test scenarios, imported data, conducted UAT and closely worked with the development team• Utilized Jira to track, manage product development and to maintain alignment between strategy and delivery team efforts by working closely with development teams ensure successful delivery • Spearheaded the development and launch of PG and led the successful onboarding of over 500 ETB merchants focusing on exceptional service and merchant satisfaction• Established seamless EMI integration for Credit Cards in collaboration with service provide for the PG, enabling Credit Card EMI options across 14 major banks• Collaborated closely with bank’s Compliance and UPI switch teams to design and implement daily transaction limits for ETB and NTB merchants, effectively mitigating fraud risk, reducing transaction delays, and avoiding non-compliance penalties• Conducted UAT using Postman for the rules configured in Falcon and successfully facilitated the go-live process, ensuring seamless transaction process• Established a data infrastructure by working with internal & development teams, facilitating the transfer of data

• Created a hyper personalized and intuitive digital banking experience for customers• Understood and analysed the behaviour of consumer digital journey through an app as a virtual branch• Understood the challenges and possibilities in virtual branch banking of various Banks• Benchmarked with the Virtual Banks in both national and global levels to capture the best practices• Identified partners and vendors providing virtual banking solutions to give the desired output• Devised a strategy with some unique outcomes that can actually be implemented by ICICI Bank