Own card growth and retention strategy for 400K+ SMB customers across virtual card and line-of-credit products. Built $95M+ in incremental TPV in 8 months through vendor activation flows, re-engagement campaigns, and lifecycle programs. Launched the AP Education platform (0→1) to drive card enrollment and usage. Designed Payment Operations tooling that reduced quarterly churn risk for $20M+ in at-risk accounts. Introduced the "AP → Advocate" framework to turn customers into promoters, generating meaningful incremental revenue in FY26.

Launched & scaled Pay by Card from a $20 transaction to $1.2B+ in annual TPV — POC to scaled platform across Visa, Mastercard, Discover, and Amex. Built a multi-processor strategy with Stripe and JPMorgan Chase to improve resiliency and reduce costs. Increased take rate from 0.47% to 0.75% through L2/L3 data optimization. Launched pricing experiments and an A/B testing framework that drove 40% YoY and 6% QoQ revenue growth.

Built BILL's wallet platform from 0→1, integrating RTP via JPMorgan Chase and debit rails via Stripe. Launched Instant Transfer scaling it to $100M+ monthly TPV in 2 years. Drove 300%+ growth in key cohorts through lifecycle marketing experimentation. Introduced the "default-on" strategy that now drives ~80% of total volume.

Owned product strategy for a B2B cross-border payments platform spanning ACH, wires, FX, crypto, and alternative rails. Led 0→1 development of the Veem wallet. Defined payment routing and orchestration strategy to improve speed, cost, and success rates across global corridors. Built integrations with global banks and fintechs to expand geographic coverage.