Yash Verma

1. End-to-End Product Lifecycle Management: Led full product lifecycle initiatives, from ideation to deployment, effectively aligning cross-functional teams and delivering solutions, market-ready products.

2. Product Documentation & Prioritization: Developed detailed PRDs, prioritized user stories, and defined acceptance criteria, ensuring precision in feature development and seamless cross-team execution.

3. Compliance & Ecosystem Knowledge: Leveraged comprehensive payment ecosystem knowledge to ensure regulatory compliance with RBI guidelines and evolving security standards.

4. EMVCo 3DS 2.0 Security Protocol: Directed the EMVCo 3DS 2.0 implementation for MASTERCARD and Visa, strengthening security, compliance, and overall transaction integrity.

5. Guest Checkout & Tokenization (Alt-ID & TMS): Spearheaded guest checkout (ALT ID) integration and centralized Token Management System (TMS) deployment, collectively boosting transaction security and improving success rates by 5% platform-wide, stopping plain card transactions with SR impact of 0.01%. Along with ONUS/OFFUS based routing which leading to incremental monthly revenue generation of ₹30L.

6. Leveraging User Experience: Designed an Native OTP feature and revamped checkout page & iFRAME, achieving a 15% reduction in bounce rates and a 4% boost in overall transaction success rates through seamless, iOS-compatible user navigation. Revamped the mobile app to significantly improve merchant usability, increasing the active merchant base from 50 to over 4000 within six months, showcasing strong adoption and scalability.

7. BIN Management System & Dynamic Routing: Launched a robust BIN Management System integrated with all the card schemes, facilitating cost-efficient, dynamic routing which improving overall platform success rates by 8% and reduced transaction revenue loss by 15%.

8. Automated Refund & Settlement Solutions: Reduced refund processing time from 3 days to 15 mins and implemented Instant Refunds for UPI, supporting real-time credit for over 2000 merchants and introducing SaaS revenue streams. Conceptualized and developed an On-Demand Settlement product tailored to meet the diverse needs of various merchants, including Non-Banking Financial Companies (NBFCs), lending institutions, and real estate firms, resulting in a substantial monthly Gross Merchandise Value (GMV) of ₹6000 Cr.


9. Advanced Pricing & Onboarding Automation: Overhauled merchant onboarding and pricing structures, decreasing errors by 30% and financial losses by 15% through operational efficiency.

10. Integrated Compliance Suite: Built a centralized Dispute Resolution Platform and SHIELD compliance suite with AI/ML capabilities, achieving 88% adoption, reducing revenue leakage by ₹5 Cr, and providing real-time fraud detection and analytics.

11. New Revenue Channel: Led the integration of BSES,E-Gras& CBDT/CBIC generating a combined GMV exceeding ₹8000 Cr, optimizing banking and government payment processes with streamlined reconciliation. Directed the integration of the Point of Sale (POS) Product with multiple vendors, resulting in the sale of over 500 devices post-launch and generating a GMV of ₹1200 Cr.

• Cross-Functional Collaboration: Worked seamlessly across key functions-Product, Marketing, and Technology-and business models (B2C Subscription and B2B) to drive transformative improvements in critical business metrics
• Cost of Acquisition Optimization: Achieved a significant reduction in Cost of Acquisition, lowering it from 35% to 15% through funnel optimization and the execution of specialized campaigns
• Led demand generation efforts and developed go-to-market strategies in consultation with key stakeholders to drive sales growth
• Team Leadership and Budget Management: Directed a diverse team of professionals across multiple growth channels, managing a monthly marketing budget of ₹20 Lakhs across platforms such as Google (GDN & SEM), performance marketing, and email marketing
• Digital Roadmap Acceleration: Designed and executed an accelerated digital transformation roadmap, reducing expenditure by 15% and completing the implementation two months ahead of schedule, delivering efficiency gains across the organization
• Customer Experience Enhancement: Analyzed customer sentiment and market trends to improve customer experience and optimize the customer journey, driving engagement and satisfaction

• Program Management & Strategic Alignment: Developed and implemented a comprehensive program management strategy, aligning processes with business objectives to optimize cost, quality, and delivery targets
• Contributed to the overall business strategy and annual budgeting process, innovating program management practices to enhance performance
• Team Leadership & Community Growth: Led the creation of the Eventbeep community across five different interest areas, significantly boosting Daily Active Users (DAU) and Monthly Active Users (MAU) to 26% in 6 months
• Directed team-building efforts and collaborative initiatives with stakeholders to drive community engagement
• Marketing & Budget Management: Managed a monthly marketing budget of ₹5 Lakhs across channels such as Google (GDN & SEM), Facebook, affiliates, and email marketing
• Oversaw the development of marketing collateral, improving funnel conversion rates and increasing app downloads by 67% while reducing user loss by 26%
• Conversion Optimization & Cost Reduction: Improved sales funnel conversion rates by replacing the in-app purchase flow with a 'Show Interest' flow, increasing the conversion rate to 9.5%
• Additionally, reduced Customer Acquisition Costs (CAC) by eliminating app store commissions (~10%), thereby driving cost savings and operational efficiency