Krushikesh Mhatre

• Led requirement definition and delivery of fintech features including cashback engine, payment reminders, SaaS pricing, and multi-business management
• Translated business problems into scalable product solutions by defining workflows, edge cases, and system behavior
• Conducted stakeholder discussions across product, operations, and compliance teams to align business goals with system design
• Supported UAT, identified defects, and ensured smooth release with minimal post-production issues
• Created structured documentation (JIRA, Confluence) ensuring traceability and clarity of requirements

Key Projects

Cashback Engine (Rules-Based System)

• Improved early transaction adoption and user engagement through targeted cashback logic
• Designed configurable cashback rules engine based on transaction behavior and thresholds
• Defined eligibility logic across payment lifecycle events (success, repeat usage, onboarding)
• Partnered with marketing, finance, and fraud teams to control spend and prevent misuse
• Handled edge cases like duplicate eligibility, reward stacking, and fraud patterns

Payment Reminders & Customer Entity

• Built automated reminder system with configurable triggers (before/after due date, post-creation)
• Introduced reusable customer entity to simplify payment link creation
• Designed reminder flows based on transaction status with auto-suppression after payment
• Addressed edge cases like invalid contacts, duplicate reminders, and early payments

SaaS Tier Pricing & Subscription Model

• Defined tier-based pricing with feature gating based on merchant usage
• Designed upgrade/downgrade flows including pro-rata billing and free trials
• Aligned pricing with finance and product teams to drive monetization
• Handled edge cases in billing cycles, plan transitions, and access conflicts

Multi Business — Access Control

• Delivered multi-entity system enabling merchants to manage multiple businesses under one account
• Defined hierarchical structure (parent → sub-entity) for data segregation and scalability
• Designed permission model for payments, refunds, and user management
• Built dashboard flows for entity switching and consolidated reporting

• Gathered and analyzed large-scale datasets to derive insights supporting business decisions for global clients
• Translated business requirements into structured data analysis and reporting outputs
• Built interactive dashboards (Google Data Studio) enabling stakeholders to track performance and KPIs independently
• Automated recurring reporting workflows, improving efficiency and reducing manual effort
• Collaborated with cross-functional teams to ensure data accuracy, validation, and alignment with business requirements