Delivered the first embedded finance offering for PayU India. A Zero to ONE journey. Integrated with Card TSPs and Lenders for offering credit against earned wages. Distributed as an SDK that gets embedded in the employers’ app for easy discovery and adoption. Built the card and cardless (payout) variants as per regulatory guidelines

A blockchain "inspired" payments platform on the cloud with tamper-proof semanticsAn open platform (patent-pending), at India scale with Transaction Processing, Reporting and Analytics - all served on a single big data cluster with co-location of data across financial entitiesSupports online, in-store, in-app, mobile, market place paymentsAPIs and Transaction life-cycle management to help Merchants build and integrate with the platform without any hardware investments

Worked with 9Mobile after they were granted the Payments Services Bank (PSB) license-in-principle by the Central Bank of Nigeria (CBN). Streamlined the roadmap and deliveries of in-house teams, middle-ware development vendor, core banking systems vendor - to help deliver a scalable, and future-proof platform; addressed the architecture, integration, V1.0 features, quality, and infrastructure requirements

Helped an AI Team re-design and productize an AI Bot using the Rasa Open Source framework to handle a variety of HR use-cases over the Web, Mobile, WhatsApp, Messenger and SMS channels for a US based, Series-C funded SaaS company

Recognized by DeloitteAs a Top 50 Fastest Growing Tech Company in India - 2007 and 2009As a Top 500 Fastest Growing Tech Company in Asia Pacific - 2007 and 2009Recognized by Microsoft At their India-is-Innovation (2007) EventReceived Terms Sheet from a top VCSMSCountry Networks owns the popular websites 160by2.com (From 1 to 10 million registered users, a top 100 website in India) and smscountry.com (SME Tools, APIs)Built a state of the art SMSing Gateway, that bridges the internet and the mobile worlds. Developed in-house, the Gateway is designed to scale upwards of 100 Million SMS per dayBuilt a state of the art Ad Serving / Classifieds Serving Engine for tagging advertisements in user generated SMS. The engine relies on keywords, age, gender, location, time and can tag highly contextual SMS Ads, along with story boardingBuilt the middle management teams in the Technology and Services departmentsManaged P&L and Technology investments

Built the first Mobile Channel for PartyGaming IncThe existing architecture was developed for PC / MAC Developed a Gateway that bridged the legacy platforms and mobile devicesConsidering the limitations of a mobile device, a complex gateway was required, as no changes were allowed in the (hugely successful) gaming platforms that were doing 50 million transactions per day

Designed and built platforms for Tier-1 Investment Banks in the City of London, UKCitiBank - FX Options Trading (FoX)Deutsche Bank - Centralized Trade and Counterparty Data (EMBER)BNP Paribas - Fixed Income - Time Series and Historical DataBarclays Capital - Telerate Market Data (Equity and Fixed Income Securities)Barclays Capital - Equity Derivative Trading on Bloomberg

Trade Capture of Index linked Variance Swaps published on Bloomberg, using ION MarketView APICapture market data from Telerate, for all Equity and Fixed Income Securities traded by Barclays Capital for the Asia Pacific, Europe and Americas regions. Collected close to 20 million records daily within 2 hours, after close of business

R&D project to study the applicability of Oracle 9i Relational-Multidimensional DB to store, retrieve and analyze time series dataUsed SQL extensions to measure - data storage, data retrieval, data frequency conversion functions and to calculate Parkinson, Garman-Klass variance measures

Compile the Deutsche Bank Balance Sheet by drawing in numerous feeds from all the booking and settlement systemsThe system has an EJB business layer, a Java Swing Client and a partitioned Oracle back end. Designed the EJB - Business Layer

Built a Publish - Subscribe model to distribute numeric data from a central repository using Oracle Advanced Queues and Tibco Rendezvous (RV)

FOX - Citibank FX Options SystemDeal Capture modulesDeal Workflow modules that communicated with interested parties in the Middle and Back OfficesReal-time feeds using IBM Message QueuesSwift Message generation for Confirmations ManagementReal-time Cash flow generator to enable quick P&L after close of business in a trade zone (like APAC, EU, Americas)

Banking - Processes, Technologies - Across Front, Middle and Back offices