Merchant focused Payment processing with direct Integration with Networks for US, Europe, Canada and Australia.

Amex Direct integrations for large CP merchants.

Strategic Auth rate optimization with focus approach towards reducing Scheme fee and interchange rate.

Payment processor migrations.

Cybersource is a Payment processing Gateway providing transaction processing capability to small and large business organization. Supporting multiple Payment methods and statergies. Providing external REST based API which can be integrated directly by reseller and small business merchants. It also provides access to Fraud and Risk data models via its programming interfaces and portals.

In my current capacity own product modules called Virtual Terminal (POS service) supporting EMV capable card reader like BBPOS Chipper 2X and Transaction management modules across large resellers and small merchants.

As a Senior Product Manager was responsible to build and enhance GCAP (Global card acquisition platform) to orchestrate different application journeys to support multiple channels including digital, assisted, co-brand and affiliates.

• Maintaining program backlog, initiatives, features and prioritizing based on business needs and high volume / revenue features.

• Define PI objectives, maintain healthy backlog and iteration goals by working along with other product owners during the ART PI planning.

• Managed the strategy, business plan, product requirements and portfolio roadmaps based on customer requirements and competitive market analysis.

• Defining process flows, process optimizations, customer experience, automation, processing time by creating business use cases.

• Shaped the product vision & roadmap as the Product Owner.

Key initiatives:

• Hilton re-branding & NPL

• Gaming Platform

• Plan it Pay it

• Bank entity changes

• Balance Transfer

• Single Click Experience

To create a card less platform for Commercial Lending. Creating new short-term financing offering that provides short term loans on qualified invoices to small business owners. I was part of the core platform team right from product initiation to delivery.

• Worked very closely with the Marketing strategy team, core business team and the product owners in identifying the user stories, creating the back logs and prioritizing them.

• Was involved in setting up iteration planning sessions to review and create user stories and defining the acceptance criteria.

• Worked with the Product Owner to elaborate epics and features into user stories that are granular enough to be completed in single sprint.

• Defining the acceptance criteria and the definition of done.

Key initiatives:

• WCT

• Bank Verification

• Add Bank

• Customer Verification

• Successfully delivered multiple high priority initiatives with multiple dependencies and aggressive timelines.

• Act as the key liaison between the strategic analytics, client management teams, business teams, cross functional teams, architects, and technology specialist.

• Worked as an E2E product owner on few on the initiatives.

• Conducting project meetings on regular basis and track the status using agile tools.

• Participate in defining the best practices / approaches across Portfolio level.

Key initiatives:

• Prospect Personalization

• DOC Upload