Experience

PayPal, Bengaluru

Jan 2025 – Present

Optimized core card-payment flows across Authorization, Switch, and Settlement layers, improving routing accuracy and reducing downgrades across major processors (Visa, Discover, Amex, FDMS, OMNIPAY).
Delivered key interchange optimization programs (Visa SMB, Discover TPAN), improving qualification accuracy and generating over $1.5M annual savings through rule and processor-level enhancements.
Led controlled traffic rollouts from pilot to full production (100%), ensuring zero performance issues through continuous telemetry and monitoring.
Modernized observability by driving the OpenTelemetry migration and stabilizing telemetry pipelines, improving metrics, logs, and alerts across high-throughput payment services (Datadog, Kibana, Micrometer).
Owned production incident response for declines, routing faults, auth-capture mismatches, and certificate/key rotations; performed deep RCA and delivered fixes to improve platform reliability.

TIAA, Pune

July 2022 – Dec 2024

Developed robust and scalable APIs for the web-based platform ICON.
Contributed to the Retireplus Team (RST), enhancing investment and balance management tools.
Participated actively in feature discussions, requirement gathering, and technical analysis.