👋 Hi, I'm 𝐆𝐚𝐮𝐫𝐚𝐯 𝐍𝐢𝐤𝐮𝐦𝐛𝐡. I'm a 𝐒𝐞𝐧𝐢𝐨𝐫 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 𝐌𝐚𝐧𝐚𝐠𝐞𝐫 with 12+ 𝐲𝐞𝐚𝐫𝐬 𝐨𝐟 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 building payment products across 𝐀𝐂𝐇, 𝐂𝐚𝐫𝐝𝐬, 𝐔𝐏𝐈, 𝐁𝐢𝐥𝐥 𝐏𝐚𝐲, and 𝐀𝐏𝐈-𝐟𝐢𝐫𝐬𝐭 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐏𝐥𝐚𝐭𝐟𝐨𝐫𝐦𝐬. I'm an 𝐈𝐈𝐌 𝐂𝐚𝐥𝐜𝐮𝐭𝐭𝐚 𝐚𝐥𝐮𝐦𝐧𝐮𝐬 and 𝐒𝐢𝐥𝐯𝐞𝐫 𝐌𝐞𝐝𝐚𝐥𝐢𝐬𝐭, with a passion for simplifying complex payment systems. Over the years, I've worked with organizations like 𝐁𝐫𝐢𝐝𝐠𝐞𝐧𝐞𝐱𝐭, 𝐉𝐏𝐌𝐨𝐫𝐠𝐚𝐧 𝐂𝐡𝐚𝐬𝐞, and 𝐍𝐞𝐭𝐜𝐫𝐚𝐜𝐤𝐞𝐫, building secure, scalable, and compliant payment solutions used by financial institutions. Today, through @𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬_𝐰𝐢𝐭𝐡_𝐠𝐚𝐮𝐫𝐚𝐯, I'm on a mission to make Payments and FinTech easier to understand for Product Managers, founders, engineers, and anyone curious about how money actually moves. 💡 𝐇𝐨𝐰 𝐈 𝐂𝐚𝐧 𝐇𝐞𝐥𝐩 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 & 𝐅𝐢𝐧𝐓𝐞𝐜𝐡 ➥ Payment Architecture ➥ ACH, Cards & UPI ➥ Payment Gateways & Orchestration ➥ Reconciliation & Settlement ➥ Payment Product Strategy 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 ➥ Product Strategy & Roadmaps ➥ Product Discovery ➥ PM Interview Preparation ➥ FinTech Career Guidance 🤝 𝐖𝐡𝐨 𝐓𝐡𝐢𝐬 𝐈𝐬 𝐅𝐨𝐫 𝐖𝐡𝐞𝐭𝐡𝐞𝐫 𝐲𝐨𝐮'𝐫𝐞: ➥ A Product Manager moving into FinTech ➥ A founder building a Payments product ➥ An engineer trying to understand payment systems ➥ Or someone preparing for Payments PM interviews I'll help you understand the concepts that matter in the real world. 💬 𝐋𝐞𝐭'𝐬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 Book a 1:1 session if you'd like to discuss Payments, FinTech Product Management, career growth, or product strategy.