• Heading Solution Delivery Group for Credit Cards & responsible for end-to-end conceptualization and delivery of projects• Delivered Digital Add-on Onboarding journey with 1 minute approval• Created complete Digital Card Enablement Journey through Fintech partner• Developed end to end solution for World’s First Multi Cobrand Card with 2 leading airlines in the world (awarded as best multi brand card by Visa)• Developed End to End Solution for UPI on RuPay Credit Card• Developed Cross Sell Digital Solution of Opening SA accounts for Card Customers• Spearheaded Credit Card Integration for INDIE (Next Gen Digital App)• SME of JSON API of First Data Card Management System• Created ETB customer digital journey where New RuPay CC is issued, enabled on UPI App and first transaction being done within a span of 3 minutesCreated end to end Digital journey for providing Above Credit Limit Personal Loans for existing CC Customer. Journey included eNACH, eSign and real time CIF Creation, Loan disbursement and Credit to customer’s bank account (Internal Bank Account or NEFT/RTGS) in a span of 45-60 seconds.

• Head of Products and Solutions for NCMC based Issuance & Acquiring space• Developed innovative solution for Fuel Payments using Vehicle Number and Fastag

Developed & successfully implement new product for the company which included:1. Electronic Toll Collection (FastTag)projects for 4 banks2. mVisa for 3 banks3. Bharat QR for 6 banks (India's first interoperable QR Code based Payments)4. Card Control Application for India & global markets (Application for cardholder to control the card i.e. ATM/POS/ECom Channel Enablement, Limit Management, MCC Blacklisting, Country Whitelisting etc.)5. Consolidated App for Enabling Bharat QR, Aadhaar Pay & UPI for a merchant6. Digital POS which enables Merchant to send SMS & Email based invoices7. Credit Card Collections Module

Working as part of Payments Centre of Excellence. Involved in1. Developing Mobile Wallet Proof of Concept (PoC) using QR Code, NFC & HCE.2. Developing P2P transfer PoC on Mobile both for domestic as well as cross border remittances3. Developing Loyalty platform PoC for Merchants, Card Networks, Issuers4. Developing Tokenization Solutions for entire value chain in order to reduce PCI cost5. Developing Cross Vertical Solutions for industries like Retail, Healthcare in order to enable payment mechanisms for banked/unbanked/underbanked customers.6. Developing KYC solutions for enabling cash to cash cross border transfers7. Training Sales Team on latest trends in payments industry8. Client Interaction to understand requirements & provide solution

1. Implemented project for conversion of paper voucher to card platform. 2. Business Plan creation for Gift/Meal Card, company’s first digital product.3. Involved in interaction & closure of deal with Issuing Bank, Acquiring Bank, Third Party Processor as well as Card Scheme both from Technology perspective as well as Business perspective. 4. Involved in creation of legal contracts for Banks, MasterCard, Client & Merchants for Card Program. 5. Involved in carrying out market research to understand the need of market & acceptability on the Gift/Meal Card Product. 6. Streamlining the existing process & defining Standard Operating Procedures for Card Program. 7. Requirement Gathering for development of Middle Office as well as Third Party Processor for handling card as a form factor. 8. UAT Test Cases Preparation & testing of Prepaid Issuance Platform, Merchant System. 9. Devising Electronic & Mobile Based platform for Voucher production, supply & reimbursement. 10. Involved in revamping existing products to increase revenue from these products.11. Streamlining internal process for Service Quality Audits. 12. Training the sales team, affiliation team on the new products launched

1. Involved in launch & end to end development of “RuPay”, India’s only domestic card scheme. 2. Formulated strategy for ‘RuPay’ on the basis of primary and secondary research.3. Relationship Management with all the top banks of the country for issuance and acceptance of cards. 4. International Client relationship with other Card Schemes across the globe and standards organization like Bureau of Indian Standards, International Standards Organization.5. Formulation of Business Rules and Guidelines for switching Point of Sale Transactions through existing infrastructure. 6. Preparation of various documents related to Interchange, Dispute Management, ecommerce Business, Contactless Cards, Process Mapping of POS transactions 7. Day to Day interaction with top management of all the major banks in the country & getting their buy-in of the proposed solutions. 8. End to End Request For Proposal Management & Evaluation for selection of consultant for Card Scheme and also for certification of systems.9. Financial Modeling for Card Payments Space to determine market potential.10. Vendor Management for Card Processors, Card Vendors, Terminal Providers. 11. Worked on procurement of financial switch, Mobile Payment systems, UID based remittances.

Worked on requirement analysis, coding and testing (both unit & system integration testing) of modules updated to handle new policies (increasing fleet size & locations) on Mainframe Systems. Led a team of 5 members. Delivered 50 modules in a time span of 7 months.

Worked on requirement analysis, coding and unit testing of the existing & new modules for handling membership of new policy holders as well as for their billing on Mainframe System. Delivered 10 modules in 8 months