Haardik Miglani

I’m a Fintech Technical Program Manager with 5+ years at Kodo, owning delivery across card issuance, payment rails, and banking infrastructure for 450+ enterprise clients. I’ve led a 6-engineer team across concurrent programs processing ₹43Cr+ in monthly transaction volume, earning four promotions in four years.

I bring deep regulatory navigation through RBI/NPCI and SEBI/AMFI frameworks, and I partner at the API level with banks including ICICI, Axis, Yes Bank, and Slice Bank. I managed full lifecycle outcomes like a credit card program wind-down—analyzing 12L transactions, identifying ₹1.5Cr in discrepancies, and driving recovery to escrow for clean closure.

I also build from zero: I launched a PPI card program, onboarded 100 clients and ₹50L in transactions within two months, and helped scale operational reliability through reconciliations and automation. From corporate treasury (debt MFs) with AMFI ARN and 20 AMCs to BBPS integration using idempotency, state machines, and retry logic, I focus on measurable accuracy, stability, and faster execution.