Engineering leader with over two decades of experience shaping large-scale Risk, Payments, and Compliance systems at BILL, PayPal, and eBay. I specialize in building resilient, data-driven platforms that enable trust, reduce fraud, and power global growth.
Experience
2024 — Now
2024 — Now
San Jose, California, United States
Leading the global Risk & Compliance engineering charter at BILL, driving innovation and scale across onboarding, KYC/KYB, sanctions, and AML systems.
• Defined the strategic roadmap for Verification-as-a-Service (VaaS), enabling seamless business, identity, and payment instrument verifications worldwide.
• Scaled operational excellence through engineering best practices, SLA/SLO frameworks, and real-time observability — achieving 99.99% uptime, zero Sev-1 incidents, and a 40% lift in onboarding conversion.
• Optimized vendor integrations for global ID and risk data services, cutting costs by 25% while expanding international compliance coverage.
• Championed a data-driven, collaborative culture, aligning engineering, product, and compliance priorities to accelerate delivery and strengthen regulatory posture.
💡 Focus areas: Risk Platforms · Identity Verification · Compliance Systems · Engineering Leadership · API Architecture · Observability & Reliability
2021 — 2024
2021 — 2024
San Jose, California, United States
Led the Braintree Vault Growth charter, driving the development of next-generation data tools and APIs — including Forward API, Grant API, and Tokenization/De-tokenization APIs — to enhance data security and partner integrations at scale.
• Partnered closely with product and business leaders to shape strategic roadmaps, set priorities, and deliver high-impact initiatives on schedule.
• Defined engineering KPIs aligned with company objectives, ensuring measurable progress across velocity, reliability, and developer productivity.
• Mentored and developed a strong team of individual contributors and engineering managers, fostering a culture of ownership, technical excellence, and collaboration.
• Proactively identified and resolved cross-team dependencies and blockers, ensuring seamless execution across a complex, distributed engineering environment.
• Built and retained high-performing, diverse engineering teams, driving innovation and accountability.
Provided architectural oversight and guidance to design scalable, resilient systems that addressed ambiguous technical challenges and long-term product growth.
💡 Key Skills: Engineering Leadership · API Strategy · Cross-functional Collaboration · People Development · System Design · Technical Program Management · Scalable Platforms
2019 — 2021
2019 — 2021
San Jose, California, United States
Principal Architect, Payments Platform (Availability Charter Lead)
• Spearheaded the availability charter, leading strategic initiatives to enhance system resilience, data integrity, and business continuity across the Payments platform.
• Architected a high-throughput, generic data ingestion pipeline (Kafka) capable of processing ~500 million events per day. This platform transforms and aggregates raw data into meaningful variables, exposing them via APIs to accelerate the training and refinement of critical ML models (Juno DB backend).
• Designed and implemented the mission-critical PayPal Stand-in system, a core resilience mechanism that mitigates loss of hundreds of millions in Total Payment Volume (TPV) during internal and external outages. This system significantly boosted good user authorization rates and protected business continuity.
• Drove a major platform consolidation initiative by redesigning the PayPal Rewards system. This single platform now supports rewards across all PayPal entities (PayPal, Venmo, Honey), resulting in significant operational efficiency, cost savings, and increased conversion rates across the ecosystem.
2018 — 2019
2018 — 2019
San Jose
• Technical Founding Member of the payments risk team, instrumental in building the organization from the ground up and delivering the foundational Fraud Mitigation Platform beta.
• Championed a major strategic initiative by designing and presenting the Proof of Concept for the Vendor Integration Gateway (VIG) platform, successfully securing executive approval and investment for the full-scale build.
• Acted as a domain expert and evangelist for the VIG platform, driving cross-functional alignment across payments and risk teams and integrating critical business use cases.
• Elevated data security posture by partnering with the Information Security team to standardize and automate PII/PCI data classification and vendor-shared data assessment.
• Led multiple scrum teams through technical mentorship, defined product development processes, and provided clear technical direction to ensure high-quality, high-velocity development.
2017 — 2018
2017 — 2018
San Francisco Bay Area
• Spearheaded the backend team's successful migration of businesses from desktop to cloud-based solutions, architecting a robust client-server integration platform with REST APIs built in Java, leveraging MySQL, PostgreSQL, and AWS S3 for seamless data migration.
• Engineered a cutting-edge reporting platform, empowering the analytics team with real-time insights into restaurant migration status, featuring live data transfer updates, error tracking, and automated retry functionality for enhanced operational efficiency.
Education
Delhi University
Bachelor of Science (B.Sc.)
Aligarh Muslim University