About
PMP® & CSM-certified Product Manager with 10+ years of experience owning and scaling digital products in the payments and fintech domain. Proven track record of defining product vision, roadmaps, and go-to-market strategies for UPI, POS, mobile wallets, payment gateways, and loyalty platforms at HDFC Bank (Wipro), Pine Labs, and State Bank of India. Skilled in translating customer insights and business objectives into prioritized product backlogs, driving Agile delivery, and partnering with engineering, design, and commercial teams to ship products that create measurable business impact.
Skills & Expertise (28)
Work Experience
Sr. Business Analyst (Loyalty & Rewards)
Loylty Rewardz Management Pvt. Ltd.
Apr 2025 - Present
Owning the product roadmap and backlog for a loyalty rewards platform serving 1M+ customers; defining quarterly OKRs in alignment with business and revenue goals. Driving end-to-end Product Lifecycle Management (PLM) — from ideation and requirements definition (PRD/FSD) through to release, adoption monitoring, and iterative improvement. Leading cross-functional squads across engineering, QA, design, and operations to deliver product increments on time and within budget using Agile/Scrum frameworks. Conducting stakeholder workshops and customer discovery sessions to surface pain points, translate them into prioritized epics and user stories, and validate product decisions with data.
Project Manager
Quantique Metadata Pvt. Ltd.
Sep 2024 - Feb 2025
Defined product vision and managed roadmaps for 3+ concurrent product initiatives; developed launch timelines, milestone plans, and resource allocation strategies. Prioritized feature backlog using MoSCoW and business-value scoring; conducted detailed requirements discovery sessions with C-level and operational stakeholders. Delivered a 20% increase in operational efficiency by championing data-driven product decisions and iterating rapidly on high-impact workflow automation features. Maintained structured stakeholder communication cadence, including sprint demos, product newsletters, and executive briefings to manage expectations and drive alignment.
Product Owner / Lead Analyst
Wipro Ltd.
Jan 2023 - Sep 2024
Acted as Product Owner for two flagship HDFC Bank digital transformation products, owning the product backlog, sprint goals, and release plans across 10+ Agile sprints. Defined and documented 100+ user stories with acceptance criteria, prototypes, and business value scores; ensured engineering clarity and UAT sign-off across all stories. Drove product strategy for payment flows including Credit/Debit Card, Internet Banking (INB), UPI, eCMS, and OTC transactions — ensuring zero critical defects at launch. Conducted market and gap analysis to identify product improvement opportunities; translated findings into actionable roadmap items and presented recommendations to senior stakeholders. Facilitated sprint ceremonies — planning, reviews, retrospectives, and backlog grooming — while coordinating with tech partners and third-party vendors on delivery milestones.
Product Manager – Payments & Merchant Platforms
Pine Labs Pvt. Ltd.
Jun 2019 - Jan 2023
Managed a multi-product portfolio spanning offline/online Payments, EDC POS systems, Pine Analytics (data analytics platform), and PAXStore (merchant app marketplace) — serving 500+ enterprise merchants. Defined product vision and GTM strategy for Android POS integrations and payment gateway products; created PRDs, user flows, and launch playbooks that reduced merchant onboarding time by 30%. Spearheaded the integration of 7+ payment methods — Google Pay, PhonePe, Amazon Pay, UPI, Bharat QR, Bank EMI, and Brand EMI — into POS systems, directly growing payment acceptance volume. Led competitive analysis and market research to identify whitespace opportunities; drove feature prioritization decisions based on merchant feedback and transaction data. Collaborated with SaaS and utility app partners to design SOPs, support playbooks, and escalation frameworks, enabling smooth GTM execution and post-launch adoption.
Manager – Digital Products (Payments)
State Bank of India
Dec 2016 - Jun 2019
Owned product development and strategic roadmap for SBI’s digital payment products: SBI Wallet, UPI (BHIM SBI Pay), YONO super-app, and MOPS Payment Gateway. Drove merchant acquisition and ecosystem expansion for SBI Buddy, UPI, and YONO — onboarding new merchants, aggregators, and payment partners to grow the digital payments network. Delivered TAPZO super-app integration into BHIM SBI Pay, adding 65,000+ sub-merchants across recharges, DTH, bill payments, food, and deals — significantly increasing transaction volume and DAU. Collaborated with government stakeholders and internal teams on national digital payments initiatives aligned with India Stack and Digital India objectives.
Assistant Key Account Manager
Shopclues.com, Gurugram / Flipkart.com, Delhi
May 2014 - Dec 2016
Managed strategic merchant and seller accounts on two of India’s leading e-commerce platforms; drove category performance through data analysis, relationship management, and operational coordination.
Education
B.Tech – MBA (Integrated Dual Degree | CSE & Marketing) - Lovely Professional University
- 2014 · Afghanistan
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