 Accomplished IT & Digital Transformation Leader with deep expertise in Mobile & Digital Payments (UPI – Customer & Merchant ecosystems) Cards – Debit and Credit, Commercial Lending - CRM platforms, and enterprise applications across BFSI, Healthcare, and Public Sector domains.  14.5+ years of software consulting experience, successfully delivering large-scale, complex programs across Banking, Financial Services & Insurance, and Government digital transformation initiatives.  Proven expertise across diverse technology stacks and platforms : PEGA – Credit Card Disputes & Fraud Management, Salesforce (nCino) – Commercial Lending, Java – Core Banking Loan Management & Federal Digital Platforms, .NET – Wealth Management Systems, Windows Application – Dental Insurance Platforms and Generative AI – UPI Agent built using Microsoft Copilot Studio  Successfully delivered end-to-end project lifecycles using Waterfall and Agile methodologies, covering SIT, BAT, UAT, production releases, and post-go-live stabilization.  Played multi-dimensional techno-functional leadership roles, including Solution Architect, Business Analyst, QA & Automation Lead, Program Manager, and Delivery Manager, enabling seamless business-technology alignment.  Extensive experience coordinating with cross-functional and globally distributed teams, including Product Development, Data Warehouse, Operations, Finance, LCP, Cybersecurity, QA, and DevOps teams.  Actively participated in Change Advisory Board (CAB), Executive Project Board, Release & Environment Management, Product Strategy, and Risk & Compliance Reviews, including implementation of core UK lending platform for US market.  Led a Generative AI innovation initiative, mentoring a team of AI enthusiasts to design and demonstrate a UPI AI Agent using Microsoft Copilot Studio, and presented an AI-driven solution for Requirement analysis, Process Automation & Test Execution.  Hands-on experience in Business Continuity Planning (BCP) activities, third-party security & penetration testing, and coordination with internal and external audit teams to ensure regulatory and security compliance.  Expertise in Requirements Elicitation & Analysis, drafting SMART user stories, Change & Environment Management, Release Implementation Planning, Backup & Rollback Strategies, and Continuous Improvement Proposals.  Facilitated 3-Amigos sessions to refine user stories, establish shared understanding between Business, Development, and QA teams, and maintained continuous client engagement for feedback and critical enhancements.  Led transformation initiative by converting business requirements into Visio-based functional models and modernizing manual regression suites into intelligent automation using: CA Agile Requirements Designer (ARD), Model-based testing, Template sentence authoring, Object capture via TIAS, JSON file creation and Selenium-driven automated execution.  Regularly conducted functional walkthroughs and solution demonstrations for business stakeholders and delivered end-user training on functional workflows and system capabilities..  Performed project estimations using Function feature Estimator tool and contributed actively to Sprint Planning, Daily Scrums, Sprint Reviews, and Retrospective.  Strong Understanding of each phase of Software Testing Life Cycle (STLC) : Requirement analysis, Test Planning, Test Designing, Test environment set up, Test data creation, Test Execution, & Test Reporting.  Expertise in Defect Management, Script optimization, coverage analysis, data reusability, comparative testing using formulae based excel, mobile device compatibility testing and automation of DWH reports using Postman tool.  Delivered critical Program & Delivery management artifacts: Gantt Chart & Project Capacity planning, monthly forecasting & Resource Planning, Quality & Governance reporting, Executive Status Summary, RAID - Risk and Mitigation Plans and RFP (request for proposals) contributions, Discovery document, Master Test Plan.  Recognized as an empaneled interviewer, conducted technical and Functional interviews for Accenture, NTT DATA, and Qapitol, contributing to talent acquisition and quality hiring.  Passionate people leader and mentor, actively involved in coaching, counselling, and grooming teams, fostering high-performance culture and ensuring timely project delivery.