Enabling merchants experience on recon and reporting product

PayPal is engineering leader in payments technology. Evolved with increasingly responsible positions on Omnichannel product launches. This effort includes end to end collaboration with cross functional teams for new card processing products, digital banking and front end features. Setup financial projections, tracking payments processing KPIs. Leading development into merchant onboarding, pricing, settlement & reporting experience.

Working closely with go-to-market teams, internal product groups, treasury (for liquidity), external partners (Processors, Networks, Acquiring Banks) in the payments and technology sectors to influence Product Strategy considering merchant experience and finance KPIs.

Notable achievements:

 Awarded “Continuous Improvement & Innovation” for cost saving in FX Processing of ~$3M/month.

 Increased SMB merchant signups by 15% through targeted product launches and optimizations.

 Communicated product & finance roadmap of card processing with status, risk and inter-dependencies.

 Designed Funds Flow, liquidity planning and Bank integration in the Processing pipeline to improve recon.

 Integrated various payment methods to create a omnichannel merchant-friendly payment framework.

 Scaled payment solutions & Value added services across diverse markets and geographies.

 Possess a understanding of currency conversion, ensuring compliance and financial performance.

 Defined requirements for engineering to enable key capabilities and UX in finance integration.

 Enabled P&L Data for accurate Financial Statements and earning reports.

 Led Analytics on key financial metrics related to cost, revenue and margin at product and merchant grain.

 Ideated transformations and data modeling in ELT pipeline to enrich digital experience of merchant.

 Expanded data quality checks, verifications and validations in transactions for multiple products.

 Instrumental role in enabling Pinless Debit, Pay with Bank and Venmo for Bill-pay partners & Amazon.

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Project: FX Repatriation & Transaction Processing Big Data Analytics (https://www.statestreet.com)

State Street is a custodian bank with investment management and other advisory services. Led product design & development of Repatriation, a cash management product which integrates all corporate rules as well currency rules to provide an income repatriation & trading services to clients. Application consolidates rules for filtering transactions, rollup, order execution and confirmation. Led data sourcing and business intelligence solution strategies through prescriptive straight through processing. Conceptualized a custom Data Visualization framework on top of impala as per user slicing, dicing, and filters.

Project: Boarding (https://www.firstdata.com)

First Data’s innovative solutions include tools to make payment transactions secure, fast, and easy for financial institutions, merchants and their customers. I worked on the Boarding product to manage and onboard point of sale devices and accessories for merchants. I led multiple new capabilities to merchants, integrate requests from alliances to comply new regulatory changes, business operations and enhancement work. I also initiated a ML enabled tool so Merchant data was used to generate insights on troubled merchant and take corrective action for retention platform.

Notable achievements:

 Launched features for the merchants onboarding tool in omnichannel space to reduce 50% Tickets.

 Managed 100% regulation changes by Payment Networks (Visa/Master/Discover) in onboarding.

 Generated insights on troubled merchants and took corrective action to reduce 10% churns.

 Utilized product data analytics to improve efficiency by 2X in merchant onboarding and first login.