Aditya Mishra

leadcross-functional squads(engineering, design, risk, banks, partners) andmentor product
managersandanalysts.
• Launched Indias first IoT-led UPI payments framework — a 0→ 1, net-new device-driven payment category adopted as a national interoperability
standard — by setting the product vision, authoring the end-to-end technical PRDs, and defining the high-level architecture hands-on with engineering.
• Reduced UPI Mapper transaction declines by 43%, improving reliability and collection across issuing and acquiring banks, by architecting simulation
and replay-testing environments and resolving high-frequency error patterns.
• Grew active UPI Mapper users by 22% and transaction volume by 35% by enabling net-new merchant and peer-to-merchant use cases and driving
partner enablement across major payment apps and banks.
• Accelerated partner onboarding and certification turnaround by 30% by redefining end-to-end guidelines, certification flows, test cases, and API
specifications.
• Delivered an AI-driven, frictionless payment experience across next-generation interfaces (smart glasses, car dashboards, smart TVs, embedded
IoT) by integrating LLM-powered assistants (OpenAI, Gemini) into payment initiation and authorization.
• Mentored and upskilled product managers and analysts on discovery, technical-PRD writing, and metric-driven prioritization, raising PM craft
across the team.

Built international digital-onboardinganddigital-lendingplatforms; cross-partner, cross-functional deliveryacross100+branches.
• Improved international digital onboarding by 30% within ayear (Blocked Account, Germany) by co-building a 0→ 1 cross-border account-opening
platform and driving cross-partner collaboration.
• Drove 28% revenue growth and 20% account-volume growth via competitive analysis, strategic GTM, and a 30% increase in partner integrations.
• Scaled the I-Lens digital lending platform across 100+ branches — improving branch efficiency by 40% and loan-processing turnaround by 25% —
by designing functional and technical specifications and integrating the end-to-end loan lifecycle.
• Reduced home-loan sanctioning from days to minutes (Express Loans) by automating workflows, lifting conversion and customer satisfaction.

• Shipped a Kafka-based digital lending (BNPL) platform built for scale and resilience by writing technical PRDs, shaping the high-level architecture
with engineering, and integrating end-to-end loan processing from onboarding to disbursement.
• Compressed the loan-processing journey and improved platform performance by leading requirement-gathering and cross-functional alignment
through Agile / Scrum.
• Enabled digital transformation of core lending systems, raising reliability and customer experience across the loan lifecycle.