Abhishek Kumar Das
Project Manager
Bengaluru,KA
Summary
Project Management role with 10+ years of experience across Card Payments, Tokenization, Digital Wallets, and Cross-Border Remittance payment domains. Proven track record in end-to-end product strategy, solution architecture, and product delivery for fintech platforms, banks, payment service providers (PSPs), and payment gateways across APAC and India. Skilled in translating partner and customer requirements into product roadmaps, BRDs, FSDs, technical specifications, and implementation plans, with strong focus on STP rate, transaction success rate, conversion, fraud, chargeback and dispute KPIs, and regulatory compliance (KYC, AML, sanctions screening, PCI DSS, data privacy). Experienced in API integration, ISO 8583 transaction message processing, EMV and 3D Secure (3DS) authentication, payment switch and acquiring/issuing systems, settlement, reconciliation, vendor and partner management, and stakeholder management with cross-functional engineering, security, compliance, and business teams.
Overview
11
11
years of professional experience
Work History
Project Engineer Manager
TerraPay
04.2024 - Current
Project Management rolesss
TerraPay Solutions India Private Limited
04.2024 - Current
- Translated market and partner requirements into product roadmaps for cross-border remittance, card payments, tokenization, and wallet-based payment flows, resulting in a 35% improvement in partner onboarding turnaround time.
- Defined problem statements, success metrics (STP rate, conversion rate, transaction acceptance rate, latency, fraud and chargeback KPIs), and prioritized features by business impact and technical feasibility.
- Designed end-to-end solutions covering APIs, data models, payment orchestration, settlement, reconciliation, fraud controls, and MIS reporting; produced solution blueprints with sequence diagrams and integration specifications for 15+ partner integrations.
- Authored FSDs, BRDs, user stories, and acceptance criteria with full traceability to compliance requirements (KYC/AML, sanctions screening, PCI DSS, data privacy), reducing documentation review cycles by 40%.
- Leveraged Claude AI and Generative AI tools to accelerate drafting of FSDs, BRDs, and technical specifications, improving documentation consistency and reducing turnaround time by 50%.
- Oversaw card payments product scope including authorization, capture, settlement, EMV and 3D Secure (3DS) authentication, payment switch interfacing, tokenization, network rules, chargeback processing, and risk scoring.
- Drove tokenization initiatives covering full PAN lifecycle management, vaulting, detokenization controls, and encryption/HSM integrations, supporting compliance across 10+ issuing and acquiring partners.
- Led digital wallet capabilities including account linking, P2P/P2B/B2B/P2M transfers, cash-in/out flows, and balance and limit management for 5+ wallet product lines.
- Managed cross-border remittance product areas spanning KYC/AML workflows, sanctions screening, travel rule data compliance, FX/fee transparency, and payout partner certification across 20+ corridors.
- Created training assets including playbooks, FAQs, and integration guides for partner onboarding and internal enablement, supporting 25+ partner go-lives.
- Conducted product demos and solution walkthroughs for C-level, business, and technical audiences, directly supporting business development and partner acquisition.
Senior Software Engineer, Cards & Payments / Business Analyst (Project Management)
Tech Mahindra (Client: Mastercard - APAC Fintechs, Merchants & Banks)
11.2021 - 04.2024
- Managed end-to-end project delivery for 35+ Mastercard implementation projects across APAC, including preparation of implementation plans, FSDs, test cases, and change request (CR) coordination.
- Handled merchant onboarding, integration testing, and lifecycle management for fintech, merchant, and banking clients across APAC markets, achieving a 95% on-time go-live rate.
- Analyzed transaction server logs using Splunk to identify bugs in ISO 8583 request/response messages, reducing average issue resolution time by 30%.
- Applied AI-assisted tools to streamline log analysis, summarize transaction failure patterns, and prepare structured issue resolution documentation for client-facing communications.
- Managed internal and external stakeholder expectations across full project lifecycles, coordinating with sales, engineering, compliance, and technical support teams.
Deputy Manager, Product & Portfolio - Merchant Services
HDFC Bank Ltd (Government & Private Sector Clients)
02.2019 - 10.2021
- Managed payment gateway product delivery across acquiring and issuing flows for 50+ government and private sector merchant clients, supporting annual transaction volumes exceeding INR 500 Cr.
- Worked across global PSPs and payment gateway platforms including FSS, VAS, CyberSource, MIGS/MPGS, UPI, and Bharat QR, delivering seamless card payment processing for e-commerce merchants globally.
- Managed key vendor relationships with EBS, PayU, TechProcess, CCAVenue, Razorpay, 1Pay, and QFIX for merchant integration and UAT, reducing integration cycle time by 25%.
- Coordinated with card networks (Visa, Mastercard, NPCI) during project implementation, scheduled downtimes, and major operational activities, maintaining 99%+ gateway availability.
- Conducted in-depth data analytics at merchant and payment gateway levels to identify transaction failure root causes, driving a 15% improvement in transaction success rates.
- Delivered end-to-end technical support to e-commerce merchants globally for payment gateway integrations across IVR, bank-hosted, merchant-hosted, DC+PIN, standing instructions, and Visa Checkout models.
- Performed UAT for new feature enhancements and customizations, collaborating with banking partners and merchants on integration and product improvements.
Senior Project Associate
Financial Software and Systems Pvt Ltd (FSS) (29 Banks - UAE, Indian Private & Government)
08.2015 - 02.2019
- Managed FSS Payment Gateway product delivery for 29 banks across UAE and India (private and government sectors), supporting B2B and B2C payment models.
- Engaged with clients on requirements gathering, product expertise, integration support, and post-production technical support, maintaining a client satisfaction rate of 95%+.
- Conducted end-to-end testing and monitoring of FSS Payment Gateway systems, supporting 20+ merchants and banks through to successful production go-live.
- Managed merchant administration and reporting tools, identifying and resolving production issues with an average resolution time of under 24 hours.
- Prepared FSDs, implementation plans, and CR documentation, coordinating with internal engineering and operations teams to deliver projects on schedule.
Education
Master of Computer Applications (MCA) -
SRM University
Chennai01-2014
Skills
Technical:
Payments and Standards: ISO 8583, EMV, 3D Secure (3DS), PCI DSS, KYC/AML, Sanctions Screening, Payment Switch Operations, Tokenization, PAN Vaulting, HSM Integration, Settlement, Reconciliation, Chargeback Management
Tools and Platforms: Splunk, SQL, Jira, Postman, HubSpot, Citrix Podio, Visa, Mastercard, NPCI, UPI, Bharat QR, CyberSource, MIGS/MPGS, FSS Payment Gateway, Mastercard Digital Enablement Service [MDES], Visa Token Service [VTS]
Documentation: BRD, FSD, Implementation Plans, Parameter Guides, Test Case Design, API Specifications, Integration Guides
AI and Automation: Claude AI, ChatGPT, Generative AI, Prompt Engineering, AI-Assisted Documentation and Requirements Analysis
Methodologies: SDLC, Product Roadmap Planning, Stakeholder Management, Vendor Management
Soft Skills:
Project Management, Team Management, Client Handling, Requirement Gathering, Problem Solving, Critical Thinking, Stakeholder Communication, Cross-functional Collaboration
Timeline
Project Engineer Manager
TerraPay
04.2024 - Current
Project Management rolesss
TerraPay Solutions India Private Limited
04.2024 - Current
Senior Software Engineer, Cards & Payments / Business Analyst (Project Management)
Tech Mahindra (Client: Mastercard - APAC Fintechs, Merchants & Banks)
11.2021 - 04.2024
Deputy Manager, Product & Portfolio - Merchant Services
HDFC Bank Ltd (Government & Private Sector Clients)
02.2019 - 10.2021
Senior Project Associate
Financial Software and Systems Pvt Ltd (FSS) (29 Banks - UAE, Indian Private & Government)
08.2015 - 02.2019
Master of Computer Applications (MCA) -
SRM University
CORE COMPETENCIES
Product Strategy & Roadmap Planning | Solution Architecture & Integration Design | Cross-Border Remittance & Payment Corridors | Card Payments – Acquiring & Issuing | Tokenization & PAN Vaulting | Digital Wallets – P2P, P2B, B2B, P2M | Payment Gateway Integration & Operations | Payment Switch Operations | ISO 8583 Message Processing | EMV & 3D Secure (3DS) Authentication | KYC, AML & Sanctions Screening | PCI DSS Compliance & Data Privacy | Settlement & Reconciliation | Chargeback & Dispute Management | Fraud & Risk Controls | BRD, FSD & Technical Specification Documentation | API & Data Model Design | Merchant Onboarding & UAT | Vendor & Partner Management | Generative AI – Claude AI, ChatGPT, Prompt Engineering | Splunk Log Analysis | SQL | Jira | Agile Project Management | Stakeholder & Client Management