Led the development and launch of Mastercard-aligned B2B commercial payment platforms across UAE, KSA, and South Africa—boosting regional coverage and ensuring seamless card issuance for enterprise and SME clients.
Delivered over 10% annual volume growth in MEA by executing targeted onboarding strategies, strengthening customer journeys, and aligning presales with business needs.
Directed full system migration for 100% of retail clients in the Middle East from Vision-Plus to OpenWay-Way4 with zero data loss—ensuring full continuity and regulatory adherence.
Integrated MTN Africa’s card base into the CMS platform, enabling over 3 million card transactions and significantly expanding revenue streams across the continent.
Maintained a 100% on-time delivery record for onboarding, product launches, and strategic change initiatives by aligning cross-functional teams and managing delivery roadmaps effectively.
Achieved full compliance with Visa and Mastercard certifications, overseeing route transitions and legal requirements while ensuring zero disruption to clients or regulatory liabilities.
Collaborated across sales, PMO, engineering, compliance, and testing teams to launch scalable, secure products that met both business outcomes and technical resilience standards.
Built and tracked KPIs around product success, measuring adoption, client satisfaction, and commercial impact—ensuring that new features aligned with customer needs and regulatory goals.
Advised internal and external stakeholders on resilience and compliance readiness, delivering regulator-facing documentation, risk assessments, and strategic technology plans.
Contributed to the creation and monitoring of a resilience heatmap—identifying system vulnerabilities, compliance gaps, and improvement areas aligned with Mastercard’s Tech Regulatory Execution (T-Rex) goals.
Managed high-impact product and migration projects across MEA, APAC, the US, and Brazil, consistently aligning deliverables with local market regulations and enterprise architecture standards.
Leveraged Agile and DevOps frameworks to accelerate development, improve release cycles, and increase delivery reliability for complex card and payment solutions.
Overview
18
18
years of professional experience
Work History
Associate Director – Commercial Payments, Group Processing
Network International L.L.C.
Dubai, UAE
01.2016 - Current
Lead commercial payments product strategy and execution across the MEA region, focusing on Mastercard-integrated B2B solutions. Responsible for client onboarding, roadmap planning, regulatory compliance, and team leadership. Collaborate with internal and external stakeholders to deliver resilient, scalable platforms aligned with regional business needs and compliance mandates.
KEY HIGHLIGHTS (aligned with T-Rex priorities)
Regulatory & Resilience Maturity: Managed full Mastercard/VISA certification cycles; drove system migrations with zero data loss.
Senior Software Developer
TSYS International
Noida, India
01.2011 - 01.2016
Led technical delivery and migration projects for PRIME card management systems across the Middle East and APAC. Managed offshore teams and onsite client engagements to ensure seamless payment platform implementations.
Led migration of legacy CMS systems to PRIME platform, improving system stability and functionality across multiple banks in MEA and APAC.
Directed offshore teams and served as primary client liaison during card management implementation projects, ensuring timely delivery and high-quality outcomes.
Resolved BAU defects and operational issues, maintaining continuous service for key clients across the Middle East.
Systems Engineer
TATA Consultancy Services
Noida, India
01.2008 - 01.2011
Developed and maintained real estate applications for General Electric’s global property portfolio, specializing in secure data handling and web service integration.
Delivered end-to-end solutions for the ATLAS real estate platform using ASP.NET, VB.NET, and PL/SQL, improving data security and operational efficiency.
Implemented Oracle Label Security (OLS) to enforce role-based access control, enhancing data privacy and compliance.
Developed web services to integrate core applications with third-party systems, enabling seamless data exchange and workflow automation.
Education
Executive General Management Program -
Indian Institute of Management
India
11.2025
MCA -
Maharishi Dayanand University
India
01.2013
B.Sc. -
Kurukshetra University
India
01.2008
Skills
Regulatory Resilience & Risk Assessment
Resilient KPIs & Heatmap Management
Stakeholder & Regulatory Advisory Engagement
Cross-Functional & Cross-Regional Collaboration
Solution Architecture & Product Delivery
Agile, DevOps, Change Control Processes
Payments Systems & Platform Migration (Visa, Mastercard, OpenWay-Way4)
Databases: Oracle, MS SQL Development: ASPNET, VBNET, JavaScript
Languages
English: Proficient
Hindi: Native
Timeline
Associate Director – Commercial Payments, Group Processing
Network International L.L.C.
01.2016 - Current
Senior Software Developer
TSYS International
01.2011 - 01.2016
Systems Engineer
TATA Consultancy Services
01.2008 - 01.2011
Executive General Management Program -
Indian Institute of Management
MCA -
Maharishi Dayanand University
B.Sc. -
Kurukshetra University
ABOUT ME
Senior product and solution development leader with 16+ years of global experience in payments architecture and operations (MEA, APAC, USA, Brazil). Proven ability to drive regulatory and resilience transformations, manage stakeholder engagement—including governmental bodies—and deliver robust, compliant payment ecosystems. Expertise in shaping regulatory strategy, risk controls, and resilience KPIs. Excels in guiding development teams, fostering operational resilience, and aligning technology with business and regulatory agendas.
Managing Director, Group Head of Investments at Millennium Global Investments & MillTechFXManaging Director, Group Head of Investments at Millennium Global Investments & MillTechFX
Group Environment Compliance and Safety Manager at J HAYWARD & SONS (WALSALL) LTDGroup Environment Compliance and Safety Manager at J HAYWARD & SONS (WALSALL) LTD
<ul><li>Managing Germany, Italy, Spain, Sweden, Qatar, and India payroll.</li><li>Managing Hire to exit process for all countries.</li><li>Processing one-time payments like Retention bonus, sign-on bonus, Relocation expense, sales commission payments etc.</li><li>Updating master files with respect to assigned entities. (New hires, Termination, salary changes, cost center, department class changes).</li><li>Support HR processes related to onboarding, contract changes, terminations, and exit settlements in line with local legislation</li><li>Implemented end to end RSU/Stock option gain/ESPP program from payroll side for all regions.</li><li>Gross to net reconciliation.</li><li>Net payout reconciliation on employee wise.</li><li>Processing stock option (ESOP) taxation through payroll, ensuring accuracy by validating against the Share works report Remitting tax payments monthly within due dates to avoid penalties.</li><li>Processing third party payments (Insurance payments) once payroll is finalized.</li><li>Remitting pension contribution on quarterly basis for Italy.</li><li>Work with payroll service provider/ stake holders to ensure successful delivery of salary payments, compliance, and accounting.</li><li>Review month end /Quarter end closure and make salaries and accruals accounting properly.</li><li>Responsible for all payroll-related payments, forecast cash flow and cash requirement for the payroll.</li><li>Conduct payroll induction for new joiners for India.</li><li>Conduct monthly business review meetings with all service providers.</li><li>Part of product implementation team. (Care-lite tool) employee queries through ticket system.</li><li>Processing full and final settlement for terminated employees.</li><li>Validating investment proofs during year end.</li><li>Working on employee queries daily, responding within SLA.</li><li>Preparing capitalized R&D reports in the month end helps higher leaders to take strategic decisions.</li><li>Posting journal entries on NetSuite.</li><li>Preparing black-line reconciliation reports during the month end (Accrued vacation, accrued commission, Bonus, employee benefits, employee benefits advances).</li><li>Participate in global payroll projects, system testing, and process improvement initiatives.</li><li>Applications Knowledge: Workday, ADP Streamline, Oracle Net suite.</li><li>India Payroll-People work, Global Payroll-ADP Streamline and For Accounting Oracle Net suite.</li></ul> at Sprinklr India Private Limited<ul><li>Managing Germany, Italy, Spain, Sweden, Qatar, and India payroll.</li><li>Managing Hire to exit process for all countries.</li><li>Processing one-time payments like Retention bonus, sign-on bonus, Relocation expense, sales commission payments etc.</li><li>Updating master files with respect to assigned entities. (New hires, Termination, salary changes, cost center, department class changes).</li><li>Support HR processes related to onboarding, contract changes, terminations, and exit settlements in line with local legislation</li><li>Implemented end to end RSU/Stock option gain/ESPP program from payroll side for all regions.</li><li>Gross to net reconciliation.</li><li>Net payout reconciliation on employee wise.</li><li>Processing stock option (ESOP) taxation through payroll, ensuring accuracy by validating against the Share works report Remitting tax payments monthly within due dates to avoid penalties.</li><li>Processing third party payments (Insurance payments) once payroll is finalized.</li><li>Remitting pension contribution on quarterly basis for Italy.</li><li>Work with payroll service provider/ stake holders to ensure successful delivery of salary payments, compliance, and accounting.</li><li>Review month end /Quarter end closure and make salaries and accruals accounting properly.</li><li>Responsible for all payroll-related payments, forecast cash flow and cash requirement for the payroll.</li><li>Conduct payroll induction for new joiners for India.</li><li>Conduct monthly business review meetings with all service providers.</li><li>Part of product implementation team. (Care-lite tool) employee queries through ticket system.</li><li>Processing full and final settlement for terminated employees.</li><li>Validating investment proofs during year end.</li><li>Working on employee queries daily, responding within SLA.</li><li>Preparing capitalized R&D reports in the month end helps higher leaders to take strategic decisions.</li><li>Posting journal entries on NetSuite.</li><li>Preparing black-line reconciliation reports during the month end (Accrued vacation, accrued commission, Bonus, employee benefits, employee benefits advances).</li><li>Participate in global payroll projects, system testing, and process improvement initiatives.</li><li>Applications Knowledge: Workday, ADP Streamline, Oracle Net suite.</li><li>India Payroll-People work, Global Payroll-ADP Streamline and For Accounting Oracle Net suite.</li></ul> at Sprinklr India Private Limited