Proof of Work
What I've shipped
Engineer turned PM. I've owned payments infrastructure, built agentic commerce systems, and shipped developer tools — across fintech, e-commerce, and enterprise software.
- PM at Fynd (present): Payments and finance stack powering 20,000+ stores across India.
- PM at Paytm: India’s largest fintech platform.
- Software Developer at TCS: Tata Group. One of the largest IT companies in the world.
- MBA from IIM Calcutta. B.Tech ECE from VNIT Nagpur.
PM for Payments & Finance. Own the full payments stack — checkout, orchestration, merchant configuration, refunds, settlements, reconciliation — and the finance layer on top of it. Platform powers 20,000+ stores across India.
Key releases — shipped in a single cycle
5 payments features shipped in one cycle, all listed on Fynd's public product release page. Featured by the CBO in the company-wide Bloom '26 launch across 70+ features.
Magic Checkout
Conversational checkout with MCP-enabled multi-step execution. Live on production — GUESS was the first merchant, with a real UPI QR transaction as proof of go-live.
Express Checkout
One-tap checkout — fewer steps, fewer drop-offs, higher conversion at the payment layer.
Refund to UPI ID
Instant refunds to any UPI VPA — eliminated refund friction and cut support volume.
Apple Pay via Juspay
Expanded addressable wallet coverage for iOS users across all merchant storefronts.
Razorpay POS
In-store card payments for omnichannel merchants — bridging online and offline commerce.
▸All shipped items
- AI-powered risk scoring with intelligent retries and fallback routing — fewer failed transactions, higher success rates.
- Intent-driven UPI/Card checkout architecture under an NPCI beta — rethinking how payment intent flows work.
- PSP onboarding, sub-merchant enablement, and Forter-based fraud decisioning — end-to-end payment provider lifecycle.
- Pre-auth lifecycle (hold, capture, expiry, cancellation) for high-value luxury orders — unlocking a new commerce segment.
- Pre-auth decisioning embedded into OMS and settlement pipelines — eliminated pre-dispatch payment failures.
- Advance, partial, and multi-transaction payments under one rule-driven system — flexible payment infrastructure for complex orders.
- Credit windows, cart locking, and allocation logic across Checkout, OMS, and Payments.
- Merchant-configurable payment-mode availability, gateway routing, and rule-based PG selection — full merchant control.
- Adaptive routing and unified gateway abstraction — improved platform-wide success rates, reduced cost.
- Configurable refund modes with beneficiary validation and approval workflows — faster, safer refunds.
- OMS-Payments-Invoicing alignment for reconciliation-safe outcomes — zero financial leakage.
- End-to-end EMI and bank-offer flows across Checkout, OMS, and Invoicing with compliant reversals.
- Offline tenders: NEFT, RTGS, Cheque, Corporate Credit — audit-grade financial traceability for enterprise.
- Modular licensing-fee configuration with usage controls, caps, and auto-invoicing — enterprise billing at scale.
- Subscription billing, metering, and reconciliation for B2B merchants.
PM for international card payments and fee management systems.
- Multi-currency global card payment system — enabled cross-border transactions for international merchants.
- Dynamic currency settlement across multiple currencies — merchant payouts without manual FX management.
- Defined roadmap and GTM for a ₹3,500 Cr+ TAM in Airlines and Hospitality.
- Co-branded payment interface — redesigned the fee management experience for partner institutions.
- Revamped reconciliation protocol for institutional vendors — faster, error-free settlement cycles.
- Transformed a student fee portal managing ₹300 Cr+ in annual payments — from legacy to modern stack.
Software Developer. Wrote production code before pivoting to product.
- GST invoicing and GDPR compliance modules — production across enterprise clients.
- SQL optimization on a 150K+ user portal — measurable latency reduction.
- 100+ CI/CD-integrated automation cases — 50% faster regression cycles.
- Cloud migration: 11 servers, 400GB+ DB — 50% efficiency gain.
- IT vendor invoicing workflows processing ₹25M+ monthly.
- Shortlisted for TAS In-House 2021 — top candidates across 30 Tata Group companies.