Dancing
SMITA KUMARI
Product Owner
Gurgaon
Summary
Experienced and skilled Product Owner/Product Manager with a demonstrated history of working in the cards and payments industry. Have valuable experience in implementing products/services in renowned organisations such as NPCI,Mastercard,Infosys &Ingenico. Have a thorough knowledge and understanding of EMV Technology, ISO 8583, ISO 7816, and ISO 14443 standards,Card Transaction Life cycle ,QR code payments,Tokenisation ,etc . I have been a significant contributor to NCMC Card / RuPay Dual Interface Card product development and implementation.Have implemented many commerce services with API -centric solutions on POS devices like Card-Linked Offer ,Gift card, QR based payments ,Buy Now Pay later collaborating with various Service Providers . Ready for new professional challenges and willing to take on dynamic responsibilities.Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
9
9
years of professional experience
10
10
years of post-secondary education
Work History
Product Owner
Ingenico International Pvt Ltd
Noida
01.2023 - Current
- Handled the Maturation,PI Planning & Implementation of Product features of Payment Engine Core in PPaaS following SAFE Agile Methodology.
- Implemented Card-Linked Offer ,Gift Card ,APMs and BNPL services for Ingenico POS devices leveraging through PPaaS (Payment Platform as a Service).
- Collaborated with Service Providers like Card GenY ,Diggecard,Klarna,Receipt Hero,Mobi724,Splitit,mswipe,etc.
- Owned and prioritized product backlog.
- Oversaw entire product deployments from vision and creation to rollout and delivery.
- Focused on building critical features up front in order to identify constraints and technical challenges
- Driven API & dataset products with a technology strategy that supports rapid development of scaled enterprise software products
- Collaborated with cross-functional teams to set a customer-centric product vision; ensure consistent alignment between business priorities, development objectives, market trends and technology investments
- Designed product concepts, conducted user testing and, and definen/ iterated Places product roadmap
- Partnered with UX designers, data engineering, developers, and technology teams (internal and external) to define business requirements, technical capabilities, and customer experiences
- Collaborated with commercial and business leaders to clarify business objectives and transform those into technical requirements
- Oversaw the development of features in the product roadmap
- Prioritize development of features as they align with product strategy
- Defined usage metrics success criteria, and worked with development teams to monitor prpgress.
- Identified issues, risks, and dependencies to track product development.
- Build strong working relationships with a diverse group of internal and external stakeholders
- Owned and managed system, processes, and developer tools that streamline product development
- Contributed to efforts to shape product management and foster an agile, user-focused, product-led culture.
- Managed implementation of new features by outlining plans and specifications such as how, where and when each component would work.
- Collaborated with development team on implementing different product features and tasks.
- Mentored peers on best practices and protocols to maximize productivity.
- Developed creative presentations, trend reports,and product data sheets.
Consultant
Infosys
Bangalore
07.2022 - 01.2023
- Worked on the product features of MI Issuing Platform of MasterCard client contributing with the payments domain expertise and Functional testing knowledge!
- Liaised with customers, management, and sales team to better understand customer needs and recommend appropriate solutions.
- Supported clients with business analysis, documentation, and data modeling.
- Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.
- Aligned closely with business owners and employees to gather information and gain operational insight.
- Analyzed problematic areas to provide recommendations and solutions.
- Managed multiple deadlines across several businesses to meet dynamic needs of multiple clients.
- Maintained overall safe work environment with employee training programs and enforcement of safety procedures.
- Conducted regular reviews of operations and identified areas for improvement.
- Evaluated customer needs and feedback to drive product and service improvements.
- Devised and implemented processes and procedures to streamline operations.
- Developed and updated tracking spreadsheets for process monitoring and reporting.
- Cultivated positive relationships with vendors to deliver timely and cost-effective supply of services and materials.
Implementation Specialist
Mastercard
Pune
02.2020 - 06.2022
- Certified Acquirers and Issuers for various Products of Mastercard such as 3D-Secure code, Automatic Billing updater(ABU) ,Mastercom Claims Manager (UI/API) & EMV
- Onboarded new customers with requirement Assessments, and documentation sign-off
- Implemented Network Connectivity for Transaction handshake and platform readiness for
- Issuers and Acquirers Host Testing
- Performed Network Interface Validation (NIV) testing including Online testing using the T3 tool
- Assisted customers with simulator/setup requirements for clearing, settlement, and dispute testing
- Validated clearing files based on Mastercard’s IPM format specifications
- Hands-on experience in testing the dispute life cycle via Mastercom Claims Manager
- Implemented MDES for Merchants for Issuers
- Performed Comfort testing for customers with respect to releases/updates in the Mastercard or customer systems
- Assisted during M-TIP or CPV Certification based on Acquirer/Issuer profile respectively
- Helped customers in End-to-End Demonstration (ETED) testing
- Mentored new joiners and provided training to internal team members.
Software Tester
Ingenico Group
10.2019 - 01.2020
- Tested HDFC, Hitachi, and FIRST DATA Terminal application
- Experience in working on RUPAY, DCI, JCB, and UPI cards certification
- Experience in working on POS (Point Of Sale) Ingenico Terminals (Attended) and its
- Production issues
- Well-versed in Software Testing Life Cycle (STLC), Test case development, and execution.
Assistant Manager
National Payments Corporation of India
Mumbai, Allahabad
01.2017 - 09.2019
- Issued Issuer Public key Certificate to Banks/Card Personalisation Vendor
- Certified the Issuer Bank’s Switches/Host and Acquirer Bank’s Switches for the domestic and international acceptance of transactions initiated from RuPay Dual Interface cards
- Certified the Terminal Applications and tested NPCI Switch for the acceptance of transactions initiated from a RuPay dual Interface card
- Certified Card Personalisation Vendors for issuance of RuPay dual Interface cards
- Audited card manufacturing and personalization - Bureau, providing the certificate of compliance to the vendors for issuing RuPay Dual Interface cards
- Wrote Issuer Host, Acquirer Host, and Terminal Application Test cases
- Certified Issuer Host/Switches for the acceptance of RuPay JCB Cards.
- Projects, United College of Engineering and
Project
United College Of Engineering & Research
Prayagraj
01.2016 - 04.2016
- Developed Vehicle Accident Detection System using GPS, GSM Modem, and Atmega 328.
- The microcontroller receives the signal from the accident detection unit (fitted inside the rear and front bonnet of the vehicle ) whenever the vehicle meets any accident.
- Implemented a key-based system that could be used by the driver depending on his severe condition to provide the signal to the microcontroller.
- GPS and GSM Modem connected to the microcontroller will work accordingly getting the coordinates of the location and sending the SMS for help so that the injured can be rescued.
Intern Trainee
Hewlett Packard, HP
Prayagraj
06.2014 - 07.2014
- Acquired training in Embedded Systems & Robotics - wherein learned Embedded C language and the integration of the same in embedded systems such as robots to control its various operations
- Integrated Atmega 328 Microcontroller, DC Motor, and IR Sensor to build a Robotic unit of a Sensor Guided Robot
- Wrote a program in embedded C language and burnt it in the microcontroller which takes the input from the IR sensor and accelerometer sensor and provides the output
- Integrated Atmega 328 Microcontroller, DC Motor, and Accelerometer Sensor to build a robotic unit of a Gesture-based Robot.
Education
Certfication Course - Product Management
Indian School of Business
Hyderabad 08.2022 - 11.2022
Post Graduate Diploma - Banking & Finance Management
Narsee Monjee Institute of Management And Studies
Mumbai 07.2018 - 12.2021
Advanced Diploma - Banking & Technology
Punjab National Bank - Institute of Information Technology
07.2016 - 01.2017
Bachelor of Technology - Electronics & Communication Engineering
United College of Engineering And Research
08.2012 - 06.2016
Intermediate - Physics,Chemistry And Mathematics
Bishop Johnson School And College
03.2010 - 04.2011
Matriculation - Science Education
Bishop Johnson School And College
03.2009 - 04.2010
Skills
Agile Methodology,Business Analysisundefined
Accomplishments
● Secured 2nd position in Robotronix in Enigma 7.0(Aqua L’amore), the technical
festival of the United group of institutions
● Attended Embedded systems workshop conducted by IIT Kanpur.
● Participated in the zonal round of Robotryst-2014, National Robotic Championship
conducted by IIT Delhi in TRYST’14.
Interests
Swimming
Playing Table Tennis
Travelling
Timeline
Product Owner
Ingenico International Pvt Ltd
01.2023 - Current
Certfication Course - Product Management
Indian School of Business
08.2022 - 11.2022
Consultant
Infosys
07.2022 - 01.2023
Implementation Specialist
Mastercard
02.2020 - 06.2022
Software Tester
Ingenico Group
10.2019 - 01.2020
Post Graduate Diploma - Banking & Finance Management
Narsee Monjee Institute of Management And Studies
07.2018 - 12.2021
Assistant Manager
National Payments Corporation of India
01.2017 - 09.2019
Advanced Diploma - Banking & Technology
Punjab National Bank - Institute of Information Technology
07.2016 - 01.2017
Project
United College Of Engineering & Research
01.2016 - 04.2016
Intern Trainee
Hewlett Packard, HP
06.2014 - 07.2014
Bachelor of Technology - Electronics & Communication Engineering
United College of Engineering And Research
08.2012 - 06.2016
Intermediate - Physics,Chemistry And Mathematics
Bishop Johnson School And College
03.2010 - 04.2011
Matriculation - Science Education
Bishop Johnson School And College
03.2009 - 04.2010
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