Building money that moves across borders.

About

12 years shaping fintech products across remittance, payroll, cards, and digital banking.

I lead product across cross-border payments, digital wallets, and partner ecosystems - most recently at BOTIM Ultra (a G42 company) in Abu Dhabi. I care about onboarding that converts, payouts that don't break, and pricing that respects the customer.

Work

12 years across UAE, US, and India - building the financial rails that move money for millions.

Nov 2025 - Present

Product Manager, Digital Payments & Remittance

Astratech (BOTIM Ultra) · G42 · Abu Dhabi

  • Leading cross-border remittance journeys, digital wallet experiences, and multi-partner payment ecosystems within BOTIM Ultra.
  • Pre-launch initiatives for crypto-enabled payments, wallet interactions, and digital asset workflows.
  • Reduced manual payout intervention effort by 40% via workflow optimization.
Jun 2022 - Nov 2024

Product Manager

Dopay · Fintech Payroll Platform · Abu Dhabi

  • Led payroll disbursement and card-payment initiatives with Bank ABC, AFS, Masria, and Mastercard.
  • PCI-DSS aligned payment processing, tokenization, ISO 8583 transaction standards.
  • Operational dashboards tracking payroll activation, success rates, payout turnaround.
Aug 2021 - Jun 2022

Lead Product Quality - Merchant Payments & SME Banking

Mintoak · Mumbai

  • Product quality and payment validation across UPI, cards, POS, QR with HDFC, YES Bank, SBI.
  • NPCI compliance, authorization, settlement, and reversal logic for merchant POS.
Mar 2019 - Aug 2021

Product Automation & Payments Specialist

Novo · USA Digital Banking (SME/Startup) · Ahmedabad

  • ACH (Nacha), wires, debit cards, cross-border transfers with MFS and Mastercard.
  • Multi-currency FX flows via Wise (USD, GBP, EUR, AED). AML/fraud with Castle, Alloy, Socure.
2014 - 2019

QA & Release Engineering

Pedagogy · Ahmedabad

  • Release management, automated testing (Selenium, Appium, TestNG, JMeter), defect triage, UAT.
  • Payment workflow validation for global clients across US, UK, Africa.

BOTIM Ultra · G42

Cross-border remittance, reimagined.

Leading international transfers, wallet experiences, and crypto-enabled payments across 155+ corridors within BOTIM's fintech super app.

Case study →

Dopay

Payroll, paid instantly.

Salary disbursement and card-issuance products with Bank ABC, AFS, Masria, and Mastercard - PCI-DSS aligned, ISO 8583 transaction flows.

Case study →

Novo · USA

Digital banking for SMEs.

ACH, wires, debit cards, and multi-currency FX flows (USD/GBP/EUR/AED) via Wise - strengthened with Castle, Alloy, and Socure.

Case study →