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Program Manager with 10+ years in merchant acquiring, digital wallets, card processing, reconciliati
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Results-driven Senior Operations Specialist with 15+ years of experience across UAE and international financial institutions, fintech companies, and payment service providers. Deep expertise in merchant acquiring, digital wallet operations, card processing, reconciliation, and scheme settlements. Hands-on experience with CBUAE regulatory frameworks, Visa/Mastercard scheme rules, and UAE Central Bank payment guidelines. Track record of leading cross-functional teams, driving operational excellence, and supporting fintech product launches. Contributed to go-live of CBUAE-licensed PSP products; managed full chargeback lifecycle (issuing & acquiring) across multiple UAE banking and wallet platforms.
University of Mumbai, India
Master of Commerce · Finance
August 1, 2008 – June 30, 2008
Pay Ten Payment Services Provider
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March 1, 2025 – Present
Dubai, Dubai, United Arab Emirates
du Pay (EITC - Emirates Integrated Telecommunications)
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Abu Dhabi Islamic Bank (ADIB) – Government Proposition
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Abu Dhabi Island and Internal Islands City, Abu Dhabi Emirate, United Arab Emirates
UA Brands International (P) Ltd
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April 1, 2019 – December 1, 2019
Pune, Maharashtra, India
Financial Software & Systems (FSS)
Team Leader – Banking Solutions
June 1, 2018 – December 1, 2018
Chennai, Tamil Nadu, India
First Abu Dhabi Bank (formerly NBAD)
Systems Analyst - Card Operations
June 1, 2013 – March 1, 2018
Abu Dhabi Island and Internal Islands City, Abu Dhabi Emirate, United Arab Emirates
The Bank of New York Mellon
Best Practices Officer
September 1, 2009 – January 1, 2013
Pune, Maharashtra, India
Credit Suisse
Financial Analyst – Derivatives
August 1, 2008 – June 1, 2009
Pune, Maharashtra, India
Cultural Fit Analysis
The candidate's diverse experience across multiple financial institutions and fintech companies in different regions (UAE, India) indicates strong adaptability and exposure to varied corporate cultures. Their consistent involvement in cross-functional coordination and regulatory adherence suggests a collaborative and compliance-focused mindset. This background aligns well with organizations seeking a Program Manager who can navigate complex, regulated environments and work effectively with diverse teams.
Soft Skills & Operational Fit
The candidate exhibits strong leadership through managing teams and leading critical operational processes like UAT and system migrations. Their experience in coordinating with various internal and external stakeholders (risk, compliance, technology, scheme partners) highlights excellent collaboration and communication skills. A meticulous approach to financial reconciliation, regulatory compliance, and SOP design demonstrates strong attention to detail and process orientation. The candidate is an excellent operational fit, possessing comprehensive knowledge of the payment lifecycle, fraud monitoring, and regulatory requirements, which is crucial for managing complex programs in the fintech space.