Building the Payment Infrastructure of Tomorrow — Today.

18+ years scaling B2B2C payments platforms, leading enterprise-wide digital transformation, and building product organizations that deliver results in highly regulated environments.

I've spent my career at the intersection of financial services, technology, and customer experience — most recently as a  Product Director at American Express, where I helped grow the B2B payments portfolio from under $1B to $35B+ in annual transaction volume, pioneered multi-rail embedded finance capabilities, and led cross-functional teams through complex, first-in-market product launches.

This site is a playbook of that journey: the product frameworks, leadership philosophies, and payments insights I've developed — and what I believe comes next.

 Professional Summary

I am a Product and Technology Executive with 18+ years building and scaling digital platforms in financial services, fintech, and digital commerce. My career at American Express spans three distinct leadership roles — from launching industry-first payment innovations and patented fintech infrastructure, to modernizing enterprise marketing technology, to architecting the B2B open banking ecosystem that now processes $35B+ annually.

I specialize in three interconnected disciplines:

→  B2B2C Payment Ecosystems: Designing and launching multi-rail payment architectures (card, ACH, RTP, embedded virtual card) that create value for enterprise buyers, suppliers, and financial institutions simultaneously.

→  Digital Customer Experience: Building self-service platforms and personalized digital journeys that measurably reduce friction — cutting call volume by 70% saving $4M annually, and raising NPS by 30 points.

→  Enterprise Transformation: Leading cross-functional organizations across product, engineering, compliance, legal, and data to ship regulated, complex products 3 months faster than industry baseline.

My leadership philosophy is grounded in a simple belief: great product executives don't just build great products — they build great teams, create the conditions for innovation, and earn trust by doing what they say they'll do. In Formula 1, championships aren't won by the fastest car alone — they're won in thepit lane through relentless adaptability, operational clarity, and execution at speed.That's how I lead product teams.

Core Expertise

Education and Recognition

EDUCATION

Chief Product Officer (CPO) Professional Certificate —  Massachusetts Institute of Technology (MIT)

MBA, Marketing & Strategy —  University of North Alabama

Bachelor of Pharmacy —  Pune University

RECOGNITION & AWARDS

MIT Fire Hydrant Award — Awarded to exceptional innovators in the MIT CPO program

American Express Leadership Excellence Award — Multiple recipient

American Express Innovation Award — Multiple recipient

PATENTS

U.S. Patent 9,934,517 — Real-time transaction parsing system (100M+ daily transactions)

U.S. Patent US20150149271A1 — Contextual transaction intelligence for marketing

Let's Connect

I'm exploring product leadership opportunities in financial services, fintech, and digital payments — VP / SVP Product, Director / Sr. Director Product, or Chief Product Officer roles where I can build and scale teams that ship innovative, high-impact products.