Umesh Onkar Dubey

Driven professional with 13 years of exceptional analytical and problem-solving skills, combined with proven ability to manage complex projects and communicate effectively with stakeholders. Adept in strategic planning and team collaboration, ensuring successful project delivery and client satisfaction.

►Certified Scrum Master (CSM)

►Certified Scrum Product Owner (CSPO)

Led technology team for Third-party payment solution Strategy (UAE):

• Assessing the existing capabilities of the payment solution to understand its strengths, weaknesses, and areas for improvement.
• Creating comprehensive plans for customer and merchant onboarding processes, ensuring a user-friendly and efficient experience.
• Crafting a catalog of APIs for integration with a third-party payment solution, facilitating seamless interactions and data exchange.
• Outline the structure of card transaction processes while aligning them with corresponding ISO 8583 specifications for each individual flow.
• Ensure compliance with PCI DSS requirements for card payment applications.
• Preparing a detailed roadmap that outlines the step-by-step process and milestones.

QR Instapay 2.0 Solution Implementation for a leading bank (Philippines):

• Implement a hosted platform that will process, switch, and route payment transactions that will be in accordance with the specifications of InstaPay 2.0 based on the ISO-20022.
• Requirement analysis and gap analysis for the Instapay QR and proxy-based payments.

Led technology team and supported business team in Payment Super APP solution (UAE):

• Identifying market needs and user preferences to shape the app's features.
• Collaborating with cross-functional teams for app development and improvement.
• Alternatively refining the strategy based on user feedback and market trends to drive app growth and success.
• Preparation of the FSD, TSD, and SRD basis the requirement understanding covering the overall functioning of the solution.

Business analyst for Prepaid Travel Card Implementation:

• Engaged in the complete lifecycle of the project, including requirement gathering, solution design, and implementation.
• Created Prepaid card use cases and prepared end to end transaction data element based on ISO 8583 specification.
• Developed FSD, TSD and SRD based on comprehensive understanding of the requirements, outlining the solution's entire functionality.
• Analyzed and documented API specifications for the Switch, Channels, and associated systems.
• Conducted functional testing across all applications and provided support during User Acceptance Testing (UAT) and post-production phases.

Business analyst for Implementation of Unified Payment Interface (UPI) UPI Switch:

• Gathered requirements and designed an Android and iOS UPI bank PSP (Payment Service Provider) application.
• Integrated switches with the bank interface, including CBS host interface, IMPS Switch, HSM, DCMS, SMS Gateway, and OTP Engine.
• Assisted in developing UPI modules and facilitated OD (Overdraft) and mandate transactions in the PSP application compliant with UPI 2.0 standards.
• Creation of the functional and technical architecture of the entire platform covering integration designs and workflows.

• Father's Name: Onkar N Dubey
• Mother's Name: Usha Dubey
• Date of birth: 02/02/87