Drive strategic product initiatives for PayPal Complete Payments (PPCP), partnering with executive leadership and cross-functional teams to deliver platform innovation, merchant enablement, and revenue optimization. Own end-to-end product roadmap and business outcomes for AI-powered payment solutions serving SMBs and enterprise partners.

Spearheaded $43M cost optimization and monetization strategy across IC++ pricing, gateway fee restructuring, and interchange enrichment initiatives, partnering with Finance, Engineering, and Sales to prioritize and execute high-impact product enhancements.

Led development of AI-powered migration framework for automated merchant onboarding and eligibility scoring, reducing time-to-revenue by 60% and enabling seamless SaaS platform partner integration across embedded payment solutions.

Designed and launched intelligent payment optimization platform leveraging ML models to improve authorization rates by 4.2% and reduce transaction costs through real-time adaptive routing across global payment networks.

Built partner success program with self-service dashboards delivering real-time payment performance analytics, driving 18% improvement in merchant authorization rates and accelerating product adoption across 2,000+ SMB partners.

Established automated compliance and scheme management system reducing manual review cycles by 75%, ensuring network compliance across Visa, Mastercard, and ACH, while unlocking AFT/OCT cost-saving opportunities for merchants.

Launched value-added services portfolio including card verification, intelligent retry mechanisms, and 3DS authentication, generating new revenue streams and improving transaction success rates by 12%.

Formulated and executed digital and retail payment strategies, launching new products, instruments, and planning country expansions. Managed end-to-end corridor expansion, regulatory compliance, and agreements with top payment processors.

Led a global team across four sites supporting payment platforms in 140 countries. Oversaw integrations, bank fee reduction, issuer outreach, decline management, payment acceptance, 3DS fraud prevention, chargebacks, settlements, operations, and accounting processes.

Increased payment volume by 30% to $40B USD YoY by introducing new payment methods, integrating local networks, adding wallets, and expanding with 40 new processing partners, reducing costs and enhancing product and regional diversity.

Generated $25M in revenue by improving retry, account updater, stored credentials, and issuer outreach, leading to higher acceptance rates. Achieved $21M in cost savings by optimizing acquiring, leveraging low-cost debit rails, smart routing, and alternative payment methods, cutting processing costs by 10 bps.

Architected a next-gen payments platform reducing integration time by 30%, supporting new use cases, and modernizing the payments architecture. Upgraded global card authentication to 3DS2.0, meeting SCA/PSD2 EU mandates a year early.

Enabled global wallet options (Apple Pay, Google Pay, regional wallets), boosting customer acquisition by 5%. Scaled real-time/open banking payments with platforms like Plaid, RTP, Klarna, and Trustly, with 92% of transactions fulfilled in real time.

Launched Western Union digital wallet services, expanded funding options, and introduced prepaid cards in the EU and North America, creating new revenue streams and diversifying offerings. Implemented AI-driven dispute resolution, recovering 30% of disputed volumes.

Orchestrated payment processing failover to minimize customer disruption, reducing losses from offline processing by 10%.

Spearhead critical digital (Web and App) payment processing projects and migration for US and international corridors to new world class payment platform and customer ramp up. Which includes Bank, Payment processor and Card network integration like Bank of America, Chase, Wells Fargo, WUIB, Barclay's, Citi, POLi, SOFORT, Trustly, iDEAL, First Data, Cardinal commerce, Elavon, Worldpay, Visa, Master and few others.

Lead other payment operation and collection initiatives like Bank fee reduction, Issuer outreach, Bank decline calling, Payment conversion, 3DS response fraud, Chargebacks, Collections, and few others.

Orchestrated partnerships, systems integration, and certifications for consumer engagement platforms. Defined integration strategies and drove requirements for overall consumer engagement solutions. Developed business cases, removed barriers, and set prioritization that drove internal development and incremental growth.

Identified, pursued, and developed key partner relationships (internal and external) for platform integrations that expanded our overall market opportunities by 40%.

Managed product development of internal applications and those that enabled third-party solutions.

Defined requirements, created business plans, developed commercial agreements, directed development resources, and launched products that resulted in a 10% YOY revenue increase and a 2% client attrition reduction.

Liaised to provide technical consultation to integrators and clients for consumer engagement integration best practices, developed and maintained technical documentation and formalized processes that supported the platform enhancements, application program Interfaces (APIs) and certifications resulting in a 30% improved time-to-market and an equally reduced friction for our integrator partners.

Partnered with business leaders to identify annual expenses and opportunities and would monitor and adjust expenses and priorities to ensure expected P&L was met or exceeded.

Led insurance/payment product service line in North America; consulted with middle and upper-level management of global clients to develop strategies and technical capabilities for meeting their objectives.