Techno commercial specialist with tremendous passion for innovative payment methods with a deep understanding of Merchant Acquiring business in India, having about 16 years of experience across the diverse spectrum of Electronic Payments & Transactions, including responsibilities across P&L Management, business development, New Product Development, Project Management, and Business Operations. I wore the coveted hats of ICICI Bank, First Data, Times of Money(SBIePay), FSS, RBL Bank, IndusInd Bank, and Au Small Finance Bank across the assortment of my career. My interest spans the future of digital payments (NFC Technology, Wearable and connected commerce, Digital wallets, QR codes, IoT/Machine Learning/Augmented Reality-VirtualReality in Payments, and BlockChain in Digital Payments.)Subject Matter Expert in Payment Gateway, ACS, POS/MPOS/QR, Soft POS product strategy, and Push payments like Mastercard's Money Send and Visa Direct. With a deep understanding of transaction flows and deployment architecture of both Authentication+Capture, Clearing+Settlement, Network certification, Payment Processing switch, ISO 8583 Deep understanding, and interpretation of Network Billings. I have a solid acquaintance with the FINTECH Startup companies and communities with a deep understanding of the digital payment laws of the country. I have profound connections with the country's prominent fintech leaders and challenger banks. Based on my experience and acumen I can create a marketplace for digital lending,insuretech,regtech, gaming, etc within a very short period. (From ideation to delivery). I have strong alumni connections in BITS PILANI, SDA Bocconi University, Axelos community. Academics: B.Tech, M.Tech Software Systems from BITS Pilani, Prince 2(Practitioner), Machine Learning certification from Stanford University, International Executive Masters in Business from SDA Bocconi Milan. Pro Bono: Visiting Lecturer at various engineering and management schools. Areas of Interest: Digital Transformation, Design Thinking, Strategy Formulation and Implementation, BankingTechnology, FINTECH incubation, New Product Development, Diversity Equity, and Inclusion.