Payments
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Previously Adobe & PayPal
At Google, I'm in the Payments organization building the consumer payments platform that powers YouTube, Google Play, and Google Store. My team owns the buyflow infrastructure — the critical path from "tap to pay" to completed transaction.
Before Google, I drove payment innovation at Adobe — pioneering ML platforms and expanding operations globally — and at PayPal, where I built real-time fraud detection systems processing billions in annual volume.
A hosted checkout experience that handles product details, payment method selection, legal messaging, and transaction completion end-to-end.
A lightweight embedded integration where parts of the experience are owned by the product team, offering flexibility without sacrificing platform power.
Building Google's consumer payments platform and buyflow infrastructure for YouTube, Google Play, and Google Store. Owning Full Buyflow and Lite Buyflow platform capabilities used across first-party Google products.
Pioneered ML platforms for payment optimization and expanded payment operations across global markets. Led initiatives generating $40M+ in revenue impact through AI-powered retry strategies, authorization intelligence, and PSD2 compliance.
Architected real-time fraud detection systems processing billions in annual transaction volume. Built ML-powered risk scoring models and implemented 3DS2 authentication compliance across multiple regions.
Revamped checkout and payment experiences generating millions in incremental revenue. Focused on reducing payment friction, improving conversion, and building a more reliable payment stack for enterprise and consumer segments.
Graduate education at one of the world's top technology and engineering institutions. Built the analytical and systems-thinking foundation that underpins a career in payments product management.
ML-powered authorization optimization, network token implementation (Visa NTI, Mastercard TRACE ID), and intelligent retry strategies that recover declined transactions before they become lost revenue.
→Building autonomous payment workflows where AI agents make intelligent routing and processing decisions — reducing latency, human error, and operational overhead in complex payment flows.
→Real-time fraud detection, predictive risk scoring, and ML models trained on billions in payment volume to protect consumers and merchants with minimal false positive impact.
→Data-driven algorithms for routing, compliance automation (PSD2, 3DS2), and payment chain architecture designed to squeeze every basis point of approval rate improvement.
→Card-on-file compliance frameworks, secure credential storage, and network tokenization strategies for recurring and subscription commerce at scale.
→Local payment methods (UPI, PIX, iDEAL, WeChat Pay), cross-border optimization, and multi-gateway orchestration across 15+ markets.
→How companies strategically design products to become viral through social currency — using intrinsic peculiarity, game mechanics, and creating insiders. A deep dive into the psychology behind products that spread.
Read More →Introduction to Jonah Berger's STEPPS framework and how products achieve viral success through strategic design rather than accident or luck.
Read More →Exploring Spotify's innovative organizational structure — squads, tribes, chapters, and guilds — and how it enables rapid product development at scale without losing alignment.
Read More →Examining the commonly misunderstood concept of disruptive innovation using Tesla as a case study. Most "disruption" you see isn't — here's what it actually is.
Read More →Why the traditional MVP approach has become less effective in saturated markets and why Minimum Lovable Product (MLP) is a better framework for today's product teams.
Read More →Prof. B.J. Fogg's behavior model (B = MAT) and how tech companies leverage motivation, ability, and triggers to create habit-forming products that users can't put down.
Read More →Nir Eyal's Manipulation Matrix through Flappy Bird's story — the fine line between building helpful habits and manipulative products, and how to evaluate which side you're on.
Read More →Exploring product failure through the painkiller vs vitamin framework — why people say they want vitamins but pay for painkillers, and what it means for how you build.
Read More →
Presented on payment optimization strategies, involuntary churn reduction, and the impact of payment failures on customer experience and business KPIs.
Expert panel on AI-powered payment optimization, network tokens, and emerging technologies reshaping the industry.
Insights on compliance mandates, local payment methods, and scaling payment operations across global markets.
I speak on AI/ML in payments, product strategy, and risk management. Open to speaking invitations, collaborations, and conversations with people building at the frontier of payments.
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