Business Solution and Technology Architect for End to End Payment Card and Digital Industry applications with Technical and functional experience along with Costing, Effort estimation and Budgeting, Pre-Sales consulting and RFP Response and Client Service Management, Interchange Settlement (Issuing and Acquiring). Solution Integration for Internet banking, Mobile Banking channels with Core products like FlexCube, Vision-Plus, Base 24. Key Projects handled are RuPay (NPCi, India’s First Clearing And Settlement System and Domestic Card Scheme.), Interchange management, Clearing and Settlement system, Transaction Reconciliation, Issuing Reconciliation, Credit-Debit Card issuance, scoring Module, Credit Card billing, Merchant Settlement Application and management, Fee Management / IRD population, Process Optimization , Dispute (Charge-back) Module, ATM Reconciliation, Value Added Services like Mobile Recharge, E-commerce Solutions, Wallet Management, Gift-Cards, E-Coupons and Twitter banking(POC). Knowledge of RuPay, VISA, MasterCard, AMEX, Discover (DFS/DCI) and JCB Schemes, ISO-8583-1992,ISO 20022 ,Data Security Standards-PA/PCI-DSS. Key Skills: Solution and Technology Architect for Payment Card and Digital Industry Application, Issuer and Acquirer Reconciliation, Clearing and Settlement with hands on Programming. Pre-Sales Consulting, Business Case presenting.