Nupur Mittal
Gurugram
Summary
Strategic Program Manager with extensive experience leading FinTech, Lending Platforms (NBFC), and Payment systems. Delivered scalable solutions across digital onboarding, core loan servicing, automated reconciliations, and payment gateways. Strong track record of aligning cross-functional stakeholders, optimizing delivery lifecycles, and maintaining full regulatory compliance.
Overview
2
2
Languages
1
1
Certification
12
12
years of professional experience
Work History
Senior Technical Program Manager
Airtel
Gurugram
09.2025 - Current
- Lending Tech (NBFC) Program Leadership: Led cross-functional delivery of core lending transformations across LOS, LMS, Collections, and Ledger platforms.
- LOS & Onboarding: Digitized loan origination, BRE rules, Bureau integrations, and e-KYC/e-Sign journeys, significantly reducing loan turnaround time.
- LMS & Servicing: Deployed scalable LMS for automated disbursements, interest accruals, repayments (e-NACH/AutoPay), and lifecycle servicing, enhancing service delivery.
- Collections & Recovery: Automated early-bucket collections (SMA/DPD tracking), field agency workflows, legal pipelines, and loan write-offs.
- GL & Compliance: Integrated LMS with ERP General Ledgers (EOD/NPA provisioning), achieving 100% compliance with RBI digital lending regulations.
Program Manager
PineLabs
08.2023 - 08.2026
- Led end-to-end implementation (API, issuer onboarding, compliance) for Visa PayLater on Pine Labs POS. Result: 25% increase in avg. transaction value during pilot phase.
- Integrated Alipay with real-time currency conversion and fast-tracked certification. Result: Launched in 6 weeks, with a 40% rise in tourist transactions.
- Delivered EMV, NFC, and QR-enabled POS rollout; managed certifications and merchant onboarding. Result: 100+ merchants onboarded, boosting retail presence.
- Unified POS with third-party RMS and acquirers for major Malaysian retailers, enhancing customer experience.
- Enabled Shariah-compliant POS acquiring through core banking and certification integration, facilitating successful retail deployment and expanding BIMB's network.
Program Manager
PineLabs
Kuala Lumpur
04.2022 - 08.2023
- Standardized onboarding processes across cities and led 5+ Agile teams, achieving 125+ integrations/month and reducing onboarding time by 30%.
- Managed regulatory-compliant integrations with CIMB, RHB, Maybank, UnionPay, and ADCB, resulting in 6 successful integrations in 12 months and expanding regional payment coverage.
- Managed cross-functional teams to align project objectives and deliverables.
- Developed and implemented project plans for software solutions and integrations.
- Facilitated stakeholder meetings to gather requirements and address concerns.
QA Team Lead/Program Manager
PineLabs
12.2016 - 03.2022
- Managed regulatory-compliant integrations with CIMB, RHB, HLB, achieving 4 successful integrations in 12 months and expanding regional payment coverage.
- Introduced Scrum and test planning while implementing JIRA/Bugzilla tracking to streamline QA cycles, resulting in timely, high-quality releases across mobile, POS, and APIs.
- Led quality assurance team in identifying product defects and inconsistencies.
- Developed and implemented testing protocols for software applications.
- Collaborated with development teams to enhance product quality and performance.
System Analyst
Tata Consultancy Services
10.2014 - 12.2016
- Led Agile testing for iPhone/iPad unified payment system rollout, ensuring on-time delivery that met stakeholder goals.
- Analyzed system requirements to enhance client operations and improve performance.
- Collaborated with cross-functional teams to gather user feedback and define specifications.
- Developed detailed documentation for system processes and user guides.
Education
B. Tech - Computer Science Engineering
Krishna Institute of Engineering and Technology
GhaziabadClass 12th -
Ch. Chhabil Das Public School
GhaziabadClass 10th -
Ch. Chhabil Das Public School
GhaziabadSkills
- Program Strategy
- Agile
- Scrum
- JIRA
- API Testing (Postman)
- SQL
- MongoDB
- PostgreSQL
- Jenkins
- Cross-Functional Team Leadership
- Stakeholder Engagement
- Requirements Gathering
- Risk Management
Certification
- Certified Scrum Master (CSM), Certified Scrum Master specializing in Agile project management methodologies
- Six Sigma Certified, Certification in process improvement and quality management.
- PMI certification, Currently pursuing certification in Project Management
Languages
Hindi
Proficient
C2
English
Proficient
C2
Personal Information
- English
- Hindi
Accomplishments
- Best Performer Awards at Pine Labs
- Exceptional leadership and execution
- First Deployments in Malaysia (CIMB) and Dubai (ADCB) for payment systems
- PayLater Launch with Mastercard/Visa in SEA boosting financial inclusion
- Led major merchant integrations Uniqlo, Samsung, Taj, Levis, expanding POS adoption
Timeline
Senior Technical Program Manager
Airtel
09.2025 - Current
Program Manager
PineLabs
08.2023 - 08.2026
Program Manager
PineLabs
04.2022 - 08.2023
QA Team Lead/Program Manager
PineLabs
12.2016 - 03.2022
System Analyst
Tata Consultancy Services
10.2014 - 12.2016
B. Tech - Computer Science Engineering
Krishna Institute of Engineering and Technology
Class 12th -
Ch. Chhabil Das Public School
Class 10th -
Ch. Chhabil Das Public School