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Building AI infrastructure for fintechs | Payments & AI Platform Leader | Banking, Embedded Finance & Financial Infrastructure | Multi-Rail Orchestration & Automation | Ex-Visa, PayPal
Payments infrastructure is evolving from batch processing to real-time, and increasingly toward intelligent, AI-driven financial systems. I’ve spent 15+ years building at that intersection across Visa, PayPal, and high-growth fintech platforms. I’ve led product strategy and platform development across merchant acquiring, multi-rail money movement, card issuing, embedded banking (BaaS), and B2B payables—focused on building systems that can scale across rails, geographies, and customer segments while improving performance, cost efficiency, and reliability. More recently, my focus has been on how AI can meaningfully improve financial workflows—particularly in payment decisioning, reconciliation, onboarding, fraud/risk, and operational automation. A few representative outcomes: → Drove $4B+ in incremental payment volume through real-time authorization decisioning and multi-rail optimization, while reducing operational overhead by 30%+ → Scaled SMB payables by 200% YoY through card-funded supplier payments and instant disbursement infrastructure → Built unified financial platforms across payments, banking, and payables with shared onboarding, ledger, billing, and reconciliation layers → Launched real-time merchant settlement (T+0/T+1) and multi-currency wallets across global markets → Embedded payments into platforms and marketplaces, driving 2x revenue expansion within 18 months → Expanded real-time payout capabilities across APAC, Europe, and LATAM I’m particularly focused on: → Embedded finance and BaaS platforms → Modern B2B payments (A/P, A/R, supplier payments) → Multi-rail payment orchestration (Cards, ACH, RTP, FedNow, FX) → AI-driven financial workflows (risk, reconciliation, decisioning, automation) → Global platform expansion
Meerut University India
Bachelor's degree, Mathematics and Computer Science
N/A – Present
Massachusetts Institute of Technology
Artificial Intelligence (Machine Learning, NLP, Robotics): Implications for Business Strategy
N/A – Present
Stanford University
Advanced Project Management, Project Management
N/A – Present
Product Advisory
Product Advisor (Part-time) | AI & Fintech
March 1, 2026 – May 1, 2026
Priority Payments
VP Product — Banking & Payments
May 1, 2024 – March 1, 2026
Solid
Head of Product BaaS
August 1, 2022 – May 1, 2024
San Francisco Bay Area
Plastiq
Senior Director Product - A/P & A/R
February 1, 2020 – July 1, 2022
San Francisco Bay Area
Visa
Senior Director, Payments and Commerce Platform
April 1, 2011 – January 1, 2020
Foster City, CA
PayPal
Engineering Manager
October 1, 2006 – March 1, 2011
OpenText
Principal Solutions Architect
August 1, 2000 – September 1, 2006
South San Francisco
KLM Royal Douch Airline - The Netherlands
Solutions Architect
January 1, 1997 – January 1, 2000
The Netherlands
Cultural Fit Analysis
The candidate's career trajectory shows a strong focus on the fintech and payments sector, with a consistent progression through product leadership roles. While the target role is 'Backend Engineer', the candidate's recent experience is heavily skewed towards product management and advisory, with their last engineering role being over a decade ago. This might indicate a potential mismatch in day-to-day responsibilities and a shift in career focus. However, their early career as an Engineering Manager and Solutions Architect, coupled with a degree in Computer Science, suggests a foundational technical background. The breadth of experience across different companies (PayPal, Visa, Plastiq, Solid, Priority Payments) and global markets demonstrates adaptability and a diverse perspective, which could be a cultural asset.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership, strategic thinking, and a results-oriented approach through their extensive experience in driving product strategy and achieving significant business outcomes. Their roles consistently highlight the ability to manage complex projects, lead diverse teams, and navigate intricate financial ecosystems. The transition from engineering to product management suggests a blend of technical acumen and business understanding, crucial for operational fit in a senior backend engineering role that requires understanding product implications.