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Product Manager with 10+ years in Fintech Payments & Digital Wallets
Product Engineering Manager with 10+ years of experience across Card Payments, Tokenization, Digital Wallets, and Cross-Border Remittance payment domains. Proven track record in end-to-end product strategy, solution architecture, and product delivery for fintech platforms, banks, payment service providers (PSPs), and payment gateways across APAC and India. Skilled in translating partner and customer requirements into product roadmaps, BRDs, FSDs, technical specifications, and implementation plans, with strong focus on STP rate, transaction success rate, conversion, fraud, chargeback and dispute KPIs, and regulatory compliance (KYC, AML, sanctions screening, PCI DSS, data privacy). Experienced in API integration, ISO 8583 transaction message processing, EMV and 3D Secure (3DS) authentication, payment switch and acquiring/issuing systems, settlement, reconciliation, vendor and partner management, and stakeholder management with cross-functional engineering, security, compliance, and business teams.
SRM University, Chennai
Master of Computer Applications (MCA)
August 1, 2011 – June 30, 2014
TerraPay Solutions India Private Limited
Product Engineering Manager
April 1, 2024 – Present
India
Tech Mahindra (Client: Mastercard - APAC Fintechs, Merchants & Banks)
Senior Software Engineer, Cards & Payments / Business Analyst (Project Management)
November 1, 2021 – April 1, 2024
India
HDFC Bank Ltd (Government & Private Sector Clients)
Deputy Manager, Product & Portfolio - Merchant Services
February 1, 2019 – October 1, 2021
India
Financial Software and Systems Pvt Ltd (FSS) (29 Banks - UAE, Indian Private & Government)
Senior Project Associate
August 1, 2015 – February 1, 2019
India
Cultural Fit Analysis
The candidate's experience across various organizations (FSS, HDFC Bank, Tech Mahindra, TerraPay) and client types (UAE, Indian, APAC banks, fintechs, merchants, government sectors) demonstrates adaptability and a broad understanding of different business environments. Their involvement in diverse payment product lines (cards, wallets, remittances, tokenization) and focus on regulatory compliance (KYC/AML, PCI DSS) indicates a strong alignment with the complexities and global nature of the fintech industry. The proactive use of AI tools also suggests a forward-thinking and innovative mindset, which would be a good cultural fit for a dynamic product development environment.
Soft Skills & Operational Fit
The candidate demonstrates strong soft skills in project management, team leadership, client handling, and stakeholder communication, which are critical for a Product Manager role. Their experience in coordinating with diverse teams (engineering, sales, compliance, technical support) and managing vendor relationships indicates excellent operational fit. The use of AI-assisted tools for documentation and log analysis highlights an innovative and efficient approach to problem-solving and operational tasks.