VINOD KARUNAKARAN
Bangalore
Summary
Product Manager with 10+ years in fintech & payments and 5+ years owning product strategy and execution across payment gateways, card acquiring, merchant onboarding, and API platforms. Proven ability to deliver scalable, compliant, merchant-centric products driving measurable growth.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Senior Product Associate – Digital Product
JPMorgan Chase
01.2025 - Current
- Leading card and payments product initiatives across digital channels (Android, IOS, Web).
- Worked closely with stakeholders to refine requirements and ensure delivery alignment.
- Assisted in product analytics, reporting, and release readiness.
- Collaborated with cross-functional teams to develop innovative product ideas, resulting in increased market share.
- Evaluated customer needs and feedback to drive product and service improvements.
Product Manager – Payment Gateway Services
MasterCard
01.2023 - 01.2025
- Led end-to-end gateway launch driving 30% merchant onboarding growth.
- Owned product roadmap, backlog, and API integrations.
- Partnered with engineering and UX to deliver scalable merchant solutions.
- Hands on experience in presentation using MS office and Viso for critical product strategy presentation to leadership.
- Developed comprehensive go-to-market strategies, ensuring successful product launches and brand positioning.
Specialist – Product Manager (Commercial Cards)
MasterCard
01.2017 - 01.2023
- Managed global payment system and products across US, Europe, and APAC.
- Conducted in-depth market research for identifying new business opportunities.
- Led quality assurance efforts, maintaining high standards for all products and services.
- Developed comprehensive go-to-market strategies, ensuring successful product launches and brand positioning.
- Defined user stories, acceptance criteria, and KPIs.
- Improved SLA, compliance, and platform stability.
Associate Implementation Engineer
MasterCard (Allegis Group)
01.2016 - 01.2017
- Supported certification and onboarding of issuers and processors onto the MasterCard network.
- Ensured compliance with ISO standards and network requirements for payment processing.
- Worked across global payment organization, acquirer and issuer to maintain the compliance and mandates ensuring banks integrate with MasterCard system.
Software Engineer
Chandusoft Technology
01.2014 - 01.2016
- Automated testing of e-commerce and payment workflows, reducing regression cycles by 50%.
- Built UI automation frameworks to improve release quality and defect turnaround time.
- Collaborated with business users to translate requirements into testable product scenarios.
Education
Bachelor of Engineering - Computer Science
Atria Institute of Technology
Bangalore04-2013
Skills
- Product Strategy & Roadmaps
- Payments & Card Networks
- Payment Gateways
- ISO Payment methods
- Merchant Onboarding
- Rest API Integrations
- Agile / Scrum
- Data-driven Prioritization
- SQL & Analytics
- Stakeholder & Executive Communication
Accomplishments
- 30–45% merchant adoption growth through product launches
- 60% improvement in delivery efficiency
- 50% reduction in production failures
- Collaborated with team of [Number] in the development of [Project name].
- Designed Excel Dashboard to showcase product metric across region which lead team to review monthly metrics.
Certification
- Certified Scrum Product Owner (CSPO)
- Lean Six Sigma Yellow Belt
Timeline
Senior Product Associate – Digital Product
JPMorgan Chase
01.2025 - Current
Product Manager – Payment Gateway Services
MasterCard
01.2023 - 01.2025
Specialist – Product Manager (Commercial Cards)
MasterCard
01.2017 - 01.2023
Associate Implementation Engineer
MasterCard (Allegis Group)
01.2016 - 01.2017
Software Engineer
Chandusoft Technology
01.2014 - 01.2016
Bachelor of Engineering - Computer Science
Atria Institute of Technology