Mumbai, Maharashtra, India
Product leader with 12+ years of experience driving large-scale digital payment ecosystems in India, with deep expertise in UPI, CBDC (Digital Rupee), and API Banking. Proven track record of owning P&L, regulatory strategy, and product transformation, delivering industry-first innovations and scalable payment infrastructure in collaboration with regulators like Reserve Bank of India and National Payments Corporation of India. Recognized for building and scaling next-generation payment solutions, including CBDC–UPI interoperability, programmable CBDC, and contextual payments, and representing organizations at flagship forums like Global Fintech Fest (GFF) 2024 & 2025 and multiple engagement with Regulator at national and international forums
Owning the end-to-end product charter, P&L, and regulatory governance for UPI and CBDC, with a strong focus on scalability, compliance, and innovation. *UPI* •Led UPI strategy focused on reducing failure rate (FRR), improving success ratios, and handling peak transaction volumes at scale •Delivered key initiatives including UPI Lite Autopay, UPI Circle, MSME Signatory UPI, BioAuth, Contextual UPI, and UPI Credit Line •Strengthened UPI governance, reconciliation, and audit readiness, ensuring compliance with evolving NPCI mandates •Represented Yes Bank’s UPI innovations at GFF 2024 & 2025, contributing to national-level payment innovation programs CBDC (Digital Rupee – Strategic Impact): •Scaled CBDC from pilot to production by integrating e₹ into Yes Mobile Banking, enabling real-world usage •Launched Programmable CBDC (PCBDC), Pinless CBDC payments, Autoload wallets, and CBDC–UPI interoperability •Defined core user journeys, interoperability frameworks, and adoption strategy for CBDC ecosystem Leadership & Governance: •Owned UPI & CBDC P&L, including income provisioning across issuer and TPAP models •Led cloud and data governance, ensuring regulatory compliance, audit readiness, and secure payment infrastructure •Drove cross-functional execution across tech, risk, compliance, and business teams
Delivered UPI 2.0 and IMPS integrations, ensuring compliance and scalability •Built automated merchant onboarding (DMO APIs) •Launched Aadhaar-based biometric payments (EPS/Aadhaar Pay) •Digitized acquisition through CRM platform for sales and onboarding
Was responsible for all the production units in cables generation of different guages and collaboration with maintainace staff