Open to opportunities

GAURAV NIKUMBH

@gauravnikumbh

Message

I build reliable payment platforms that improve transaction success while reducing fraud and operational risk.

India

Message

What I'm looking for

I'm looking to lead product strategy for payments, financial platforms, or AI products where I can improve reliability, customer outcomes, risk decisions, and scalable platform capabilities.

At Bridgenext, I own payment strategy and orchestration for a digital banking platform processing $2B+ annually across 50+ financial institutions and 23M+ users. I redesigned ACH retry and failover logic to improve payment success by 12% and introduced risk-based decisions that reduced confirmed fraud by 20%.

I've built scalable ACH and Bill Pay workflows, improved payment-status transparency to reduce disputes by 15%, and established health metrics that guide reliability investments. Previously at Netcracker, I delivered 0→1 Order and Service Management capabilities for Tier-1 telecom operators, improving provisioning accuracy by 15% and service delivery reliability by 20%.

I also founded techventure360, an AI-driven career platform that reached 10K+ users and 1,240+ paid customers. I enjoy turning customer and operational insights into practical products, from payment platforms and risk systems to AI-powered career tools.

Experience

Work history, roles, and key accomplishments

Current

Senior Product Manager - Payments

Current

Bridgenext

Oct 2024 - Present (1 year 10 months)

Owns product strategy and roadmap for payment capabilities supporting $2B+ in annual payment volume across 50+ financial institutions. Redesigned ACH retry logic to improve payment success by 12% and reduced fraud by 20%.

ACH Payment Orchestration Fraud Prevention Risk Management Product Strategy Stakeholder Management SQL AWS

Founder & Product Head - HRTech/ CareerTech

techventure360

Jan 2024 - May 2025 (1 year 4 months)

Built an AI-driven career platform from 0 to 1, reaching 10K+ users and 1,240+ paid customers. Launched AI-powered tools that improved engagement and retention.

AI Product Strategy Product Led Growth Customer Discovery Behavioral Analytics Experimentation LLM Applications Prompt Engineering A B Testing

Product Manager - Payments

Bridgenext

Feb 2024 - Oct 2024 (8 months)

Converted financial institution requirements into scalable ACH and Bill Pay capabilities. Improved payment transparency and reduced customer disputes by 15%.

ACH Bill Pay Compliance SQL

Technical Product Manager - OSS/BSS Platform

Netcracker Technology

Dec 2021 - Feb 2024 (2 years 2 months)

Led product delivery for 0 to 1 Order and Service Management capabilities for Tier-1 telecom operators. Improved provisioning accuracy by 15% and service delivery reliability by 20%.

Product Management OSS BSS Workflow Optimization SLA Management Agile Delivery

Senior SDET Engineer – Automation Platforms

Netcracker Technology

Feb 2020 - Dec 2021 (1 year 10 months)

Developed enterprise-grade automation frameworks and increased release velocity by 35% through CI/CD integration.

Automation Framework CI CD Regression Testing Quality Assurance DevOps Collaboration

Product SDET – Payment Platform Modernization

JPMorgan Chase

Jul 2018 - Feb 2020 (1 year 7 months)

Automated 35% of regression scenarios and reduced test maintenance effort by 20% through modular framework design.

Testing Automation API Testing Regression Testing

Product Owner & Automation Specialist

CarPro Systems

Jul 2014 - Jul 2018 (4 years)

Built a Selenium-based automation suite that reduced regression effort by 50% and increased test coverage to 90%. Improved requirement clarity and reduced rework by 10%.

Selenium Testing Automation Regression Testing Collaboration Product Ownership

Education

Degrees, certifications, and relevant coursework

IIM Calcutta

Executive Management Program, Fintech and AI/ML

2026 - 2027

Executive Management Program in Fintech and AI/ML, focusing on FinTech, AI/ML, Product Strategy, Payment Systems, Fraud Risk, and Financial Platforms.