Shivputra Neelakandan

Product Manager  ·  Payments  ·  AI in Fintech

0+ Years Experience
0+ Companies Served
0+ PGs Worked With
0M+ Transactions Touched
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Shivputra Neelakandan
Product Manager · Payments & AI
About Me

From Android Dev
to Fintech PM

I'm Shivputra — a Product Manager with 15+ years in tech and fintech, currently leading Payments at Star Health & Allied Insurance. My journey began writing native Android apps and evolved into orchestrating payment systems at scale.

Today I sit at the intersection of Payment Orchestration and AI/ML — exploring how machine intelligence can optimise routing, detect fraud, automate refunds, and personalise checkout experiences. Based in Chennai, open to global conversations.

🎯
Payment Orchestration Expert PG routing, UPI, Cards, BNPL, EMI, NPCI & RBI compliance
🤖
AI in Payments Enthusiast Intelligent routing, fraud detection, agentic refund flows, SR optimisation
🚀
Agile Product Leader BRD/PRD, sprint planning, cross-functional team leadership
15+
Years in Tech & Fintech
8+
Organisations Served
5+
Payment Gateways Built
∞
Transactions Orchestrated
Career Journey

15+ Years of Impact

From building Android apps to orchestrating India's payment infrastructure.

Jul 2024 — Present
Star Health & Allied Insurance
Product Manager — Payments
  • Designed & maintain the payment orchestration layer
  • Onboarded BNPL partners & launched Star EMI vertical
  • Automated refund system (online + offline) with Auth & Capture
  • Quarterly payments reporting for CFO — cost savings & SR
  • Upskilling in AI/ML: intelligent routing, fraud detection, agentic flows
Current Role
Jul 2023 — Jun 2024
CogentSoft Systems
Product Manager — Payments
  • Integrated payments for Samsung Shop App checkout
  • Led cross-functional team of 9 — search, tablet UX, personalisation
  • Developed & maintained internal CMS with Adobe AEM team
  • Owned BRDs/PRDs, sprint planning & release management
Enterprise
Sep 2021 — Jul 2023
CAMSPay (CAMS Ltd)
Associate Product Manager — Payments
  • Built payment gateway capabilities: UPI, Netbanking & Cards
  • Developed the CAMSPay merchant payments dashboard
  • Analysed NPCI & RBI regulations for compliance
  • Partnered with engineering & ops to improve transaction SR
Payments
Jul 2019 — Jan 2021
Wizi / M2P Fintech
SVP — Customer Acquisition
  • Led customer acquisition for M2P's BaaS & card-issuing platform
  • Partnered with banks, NBFCs & fintech startups across India
  • Defined go-to-market & pricing strategies
BaaS / Fintech
Dec 2017 — Jul 2019
KUWY
Regional Sales Manager
  • Built & scaled regional sales for digital auto-loan platform
  • Onboarded dealers & OEM partners; drove disbursal volumes
Lending
Jun 2015 — Dec 2017
Mahindra First Choice Wheels
Software Engineer — Android
  • Built native Android apps for the used-car ecosystem
  • REST APIs, Firebase, push notifications, full dev lifecycle
  • Collaborated with product, backend & QA in agile sprints
Android
Aug 2011 — Sep 2014
Techno Info Solutions
Mobile Application Developer — Android
  • Built Android apps across multiple domains end-to-end
  • UI dev, REST API integration, Play Store releases
Foundation
Expertise

Skills & Stack

💳
Payments Domain
Payment Orchestration PG Routing UPI Netbanking Cards (D/C) BNPL EMI Auth & Capture Refund Automation NPCI Compliance RBI Regulations Payment Analytics
📋
Product Management
Product Strategy Roadmap Definition BRD / PRD Agile / Scrum Sprint Planning User Stories Release Management Stakeholder Mgmt Market Research Go-to-Market PLM
🛠️
Tools & Tech
Jira Confluence Figma SQL Firebase REST APIs App Tester TestFlight Excel / Sheets Android (Native) Adobe AEM
🤖
AI / ML for Payments
Intelligent PG Routing Fraud Detection Anomaly Detection SR Optimisation GenAI for Payments Agentic Flows Personalised Checkout Payment Analytics LLM Applications
Case Studies

Featured Works

Products and features shipped across fintech organisations in India.

01 / 05
🔄

Payment Orchestration Layer

Star Health & Allied Insurance · 2024–Present

Designed and maintained the end-to-end payment orchestration layer — PG routing priority logic, new gateway integrations, and continuous success rate optimisation reported at CFO level.

Orchestration PG Routing InsurTech
02 / 05
💳

CAMSPay Gateway Stack

CAMSPay (CAMS Ltd) · 2021–2023

Built CAMSPay's payment gateway from scratch — UPI, Netbanking & Cards stack plus the merchant-facing payments dashboard. Full ownership from BRD to release with NPCI & RBI compliance.

UPI Cards Dashboard
03 / 05
🛒

Samsung Shop App Checkout

CogentSoft Systems · 2023–2024

Led payment integration for the Samsung Shop App checkout page — simplifying the purchase journey for millions of Samsung users in India and driving conversion improvements.

E-commerce Checkout UX Consumer
04 / 05
🏦

Star EMI & BNPL Ecosystem

Star Health & Allied Insurance · 2024

Enabled an entire business vertical by launching Star EMI and onboarding BNPL partners — expanding accessible insurance purchasing options and opening new revenue streams.

BNPL EMI New Vertical
05 / 05
🤖

Automated Refund System

Star Health & Allied Insurance · 2024–Present

Automated the complete refund lifecycle (online + offline), fused with Auth & Capture services — reducing manual intervention, cutting refund SLAs, and improving customer satisfaction scores.

Automation Refunds Auth & Capture
View All Case Studies  →
Writing

From the Blog

All Posts →
AI · Payments

Intelligent PG Routing: How ML is Reshaping Payment Success Rates

Traditional routing uses static rules. AI-driven routing learns from transaction patterns to dynamically select the best gateway — reducing failures before they happen.

📅 Jun 2025 ⏱ 6 min read
Read more →
Product · Fintech

Building Payment Orchestration Layers That Scale

What makes a payment orchestration layer truly resilient? From routing priorities to fallback logic, here are the product decisions that matter at scale.

📅 Apr 2025 ⏱ 8 min read
Read more →
Career · PM

From Android Dev to PM: Lessons from 15 Years in Fintech

I started writing code. Now I orchestrate teams and payment flows. Here's what the transition taught me — and why a technical foundation makes for a better product manager.

📅 Feb 2025 ⏱ 5 min read
Read more →
Get in Touch

Let's Connect

Open to conversations around AI in Payments, Payment Orchestration, BNPL, and Fintech Product roles. Let's build something that moves money better.

✉️
Email Me spxandroid@gmail.com
💼
LinkedIn linkedin.com/in/spxandroid
Available for Product & Advisory roles in Fintech / Payments