I've spent 15+ years building financial products that sit between banks, technology, and the end customer — from Flexcube core banking implementations at Oracle and EY to leading PayLater and BNPL product strategy at Pine Labs and Paytm. At Pine Labs, I lead product for PayLater & Affordability — building the infrastructure that powers no-cost EMI, BNPL, and cardless credit across thousands of merchant touchpoints. Before this, at Paytm, I drove the Affordability product suite as Director and scaling offline and online BNPL, No Cost EMI, and Cardless EMI for millions of Indian consumers. My career has spanned the full stack of financial technology: → Merchant commerce & POS — UPI/QR, eRUPI, BNPL, contactless payments at Pine Labs → Consumer lending & affordability — BNPL, Cardless EMI, No Cost EMI at Paytm → Core banking — Flexcube implementations and digital banking at Sberbank India → Global banking consulting — Finacle & Flexcube projects across India, the US, and the UAE with EY Outside of my day job, I run Finthinkhub — a fintech knowledge platform covering India's digital payments, AI in banking, embedded finance, and mutual fund ecosystems. I'm also building GuideFin, an Android app that brings institutional-grade retirement planning tools to Indian retail investors. Currently in closed beta. I write on LinkedIn about what I see from inside the industry: where payments are heading, how BNPL is evolving, what AI actually means for Indian banking, and the policy shifts that don't make headlines but reshape products. If you're in fintech, banking, or building financial products — follow along. www.finthinkhub.com | 📱 GuideFin (beta): www.finthinkhub.com/product