Functional Skills

Business Analysis
Business Operations
Business Development
Customer Experience
Customer Relationship Management
Digital Transformation
Financial Management
Financial Planning & Analysis (FP&A)
Innovation Management
Project Management
Regulatory Compliance
Product Data Management
Business Unit Strategy
Compliance and risk
Agile Software Development

Software Skills

Blockchain
Salesforce
nCino
NFC

Sector Experience

Business Services
Financial Services
Retail
Technology

Languages

English
Hindi
Punjabi
Bulge Bracket Investment Banks
Fortune 500

Experience

BANC OF CALIFORNIA Product Management / Strategy
Executive Vice President, Chief Payments Officer
7/2022 - 1/2025
• Led digital payments and credit card servicing strategy, managing a portfolio exceeding $243M in payment volume.
• Spearheaded issuer processor conversion for a business card portfolio, optimizing servicing capabilities and credit operations.
• Launched, bank's first, self-issued corporate card product with mobile app integration for real-time transaction controls and enhanced user experience.
• Negotiated a seven-year brand agreement with MasterCard, ensuring optimal interchange pricing and brand alignment.
• Implemented transaction monitoring solutions (ComplyAdvantage) and client onboarding systems (nCino) to enhance compliance and risk management.
• Led a team of 30 product and operations professionals, supported by 50 technology experts to drive innovation and service enhancements.
NMI Product Management / Strategy
Vice President, Strategic Partnerships & Alliances
12/2020 - 7/2022
• Developed strategic alliances, expanding payment processing capabilities and growing payment volume to $100B.
• Focused on integrating digital payments with acquirers and processors, enhancing service offerings for enterprise clients.
Salesforce.com Product Management / Strategy
Senior Director, Strategic Partnerships
8/2019 - 12/2020
• Led digital payments initiatives, integrating health cloud with payment solutions to enhance customer experience.
• Developed product roadmaps for industry-specific solutions, aligning with financial services and credit card servicing needs.
JPMorgan Chase & Co Product Management / Strategy
Executive Director, Digital Products, Business & Commercial Banking
10/2017 - 8/2019
• Led digital transformation of cash management portals, improving user experience and operational efficiency.
• Delivered API-driven solutions for real-time disbursements, ACH batch payments, and digital payment innovations.
Visa Product Management / Strategy
Vice President, Innovation and Strategic Partnerships
3/2008 - 10/2017
• Developed instant card issuance and push payment solutions, enabling real-time payments and digital-first banking experiences.
• Pioneered identity and authentication solutions (biometrics, KYC on blockchain) for enhanced security and compliance.
• Managed partnerships with Facebook, Google, Apple, driving customer-centric payment innovations.
PayPal Product Management / Strategy
Senior Product Manager, PayPal
9/2007 - 3/2008
Developed PayPal express checkout APIs with engineering teams in San Jose and India
Part of the original PayPal Developer Center launch team
Visa Worldwide Services Product Management / Strategy
Senior Systems Architect
1/2000 - 8/2006
Patents & Thought Leadership Lead inventor on 23 global patent filings, including:
• System and method for managing electronic data transfer applications (US 7,815,111 & US 7,152,782)
• Device, system, and method for reducing interaction time for a contactless transaction (US 7,798,394)
• Method and system for generating a dynamic verification value (US 7,761,374 & US 7,740,168)