Building international credit card products for the UK and US markets in partnership with global teams at Lumen and Vera. ▸ Led end-to-end product strategy and delivery for Lumen's credit card app — architecting eligibility-check flows integrated with third-party credit aggregators, ensuring seamless applicant experience and regulatory compliance ▸ Applied AI tools across the product lifecycle for competitive analysis, market sizing, PRD drafting, and roadmap prioritisation — reducing time-to-insight across research and planning cycles ▸ Designed and delivered omnichannel customer-support flows (chat + voice) on AWS Connect; built agent-facing portal for real-time customer data management, reducing resolution time ▸ Conducted structured discovery with UK-based applicants to map pain points in the credit application journey and drive alignment across engineering, compliance, and design

Owned product strategy and execution across the BharatPe merchant app, QR ecosystem, lending products, and enterprise dashboard — serving millions of merchants across India. ▸ Engagement & UX: Redesigned homepage with server-driven UI — reduced CRM issues by 16.5% and boosted feature exploration by 6.5% through personalised merchant insights. ▸ Compliance-led QR Redesign: Boosted QR adoption +22%, QR orders +50%, and merchant onboarding +10% via compliance-driven redesign and improved discovery. ▸ Localisation & Accessibility: Achieved 95% multilingual coverage (incl. Hinglish); increased DIY activations from 20% → 28% through optimised onboarding flows. ▸ Loyalty & Churn Reduction: Reduced churn to 2% MoM; referral incentives drove +25% DIY acquisition; tiered loyalty program cut reward setup time by 85.7%. ▸ Ratings & App Growth: Grew App Store rating 3.88 → 4.62 and daily ratings 73 → 1,800; boosted user engagement by 4.5%. ▸ Experimentation Platform: Launched in-house multi-variant A/B testing platform running 21 simultaneous live experiments, accelerating data-driven decisions company-wide. ▸ Security & Compliance: Shipped Application Access Lock (AAL) and Play Store-compliant account-deletion flows, ensuring full regulatory adherence. ▸ Revenue & Growth: Increased loan disbursals via an optimised enterprise dashboard; launched Loan Marketplace and festive campaign, boosting merchant retention and product cross-sell. ▸ Stakeholder Management: Led a 10-member cross-functional team; defined OKRs, success metrics, and product vision aligned to business goals.

Built core infrastructure products across lending, payments, and CRM — focused on reliability, fraud prevention, and operational efficiency. Key achievements include improving loan post-purchase and payments app conversion, developing in-house reconciliation and risk solutions, and significantly enhancing customer support systems. ▸ Reconciliation & Accuracy: Developed in-house Reconciliation Engine with 99.12% accuracy, eliminating errors in rewards and payouts while significantly reducing manual reconciliation effort at scale. ▸ Resilience & Fraud Prevention: Reduced disbursal downtime by 60% via health-based bank-switching; implemented a real-time Risk Engine that eliminated double disbursals (100%) by flagging fraudulent transactions. ▸ Payments Infrastructure: Built Payments Portal enabling real-time liquidity and downtime management for Finance; developed Credit Hindsight portal providing a 360° customer view for data-driven business decisions. ▸ CX & Agent Productivity: Increased agent efficiency by 67%, cut CX call volume by 50%, and raised CSAT to 4.3 through an in-house CRM, chat support tool, and targeted in-app self-service flows.

Full-stack developer on delinquent loan account management (Collections) for 10+ banks and NBFCs. Delivered 25+ features across 10 modules with a consistent velocity of 20 story points per sprint. ▸ Feature Delivery: Led development of Collections modules serving clients including CIMB; achieved 100% sprint success and on-time Build and Service Pack releases. ▸ Architecture & Design: Incorporated core design-level changes to future-proof the system architecture; created Work Breakdown Structures for first-time issue-free delivery. ▸ Quality & Compliance: Worked on Sonar Compliance and Performance Guidelines; ensured zero blocker/critical issues for GA QCT releases (max 5 major, 15 minor). ▸ Testing & Documentation: Created and executed Unit Test cases; maintained UI checklists; conducted Code Walkthroughs; logged and closed UT issues in JIRA. ▸ Leadership: Served as Chief Point of Contact for 3 junior associates; led retrospectives, knowledge transfers, and functional training sessions.

Backend engineer working on Collections platform using Java/J2EE, SQL Developer, RESTful services, and web/application servers (Tomcat, WebLogic). ▸ Quality: Reduced QCT issues by 20% from the previous release using RCA, brainstorming, and structured action planning. ▸ Delivery: Ensured 100% sprint success and adherence to sprint schedule; maintained velocity of 16 story points per sprint; supported Build releases and Service Pack processes. ▸ Development: Followed coding standards; created migration scripts; worked on Sonar Compliance and adhered to Performance Guidelines. ▸ Testing: Created and executed Unit Test cases; maintained UI checklist; conducted Code Walkthroughs; ensured JIRA status updates and UT issue closure.