An experienced technologist with 16 years of experience in DFS, possessing analytical reasoning, project management, and effective communication skills with focus towards growth. As a prospective CTO, my technical acumen in process development and project management enables me to effectively perform the tasks required of a Product/Project Manager. Furthermore, my proficiency in emerging technologies, coupled with my innovative and people-focused leadership style, equips me to take calculated risks and make informed decisions that drive the organization's technical strategy and growth. Have successfully designed and implemented following products/projects; - Card management system with EMV & contact less card certifications with UPI and Mastercard - Acquiring systems for Android based POS, SoftPOS and E-commerce with direct connectivity with VISA and MasterCard endpoints, settlement and reconciliation. - Mobile applications for SME (and its employees for WPS processing) and consumers with tokenization services (HCE wallet) and QR - Payment middle-ware - Mobile money system A normal day at work is spent mentoring, motivating and empowering colleagues and partners to perform efficiently and effectively, with the emphasis on the goals and vision of the company. An important part of the job routine also includes, managing the projects that are being executed within time, budget and are up to the expectations of the stake-holders both internal and external. ACHIEVEMENTS: • Applied Outcome-Driven Innovation solution modeling to engineer SME Mobile App. • Launched Master credit card with HCE tokenization and Apple Pay push provisioning. • Conceived and architected financial services products deployed for multiple clients, enabling high performance transaction processing system. • Led the business transformation efforts for credit unions in Southeast Asia by conceptualizing a digital payment system that is low-cost, shared, and interoperable. • Simultaneously implemented multiple large-scale consultancy and software projects, generating USD 2 million in sales. Key Expertise: • Program Management • Financial Services • Mobile Money • Digital Payment • Project Management • Pre-Sales • Project Governance • Payment gateway • QR & Tokenization • JIRA • SCRUM • Agile • Transaction Middleware • Bill payments systems • ISO 8583 • EMV • Certifications with VISA, MC & UPI • Mobile apps • Remittance • Prepaid Solutions • Payroll disbursements • G2P disbursements • Corporate Collections • Social Payments • Business modeling • Budgeting & Planning • MPOS • NFC