Open to opportunities

Kushagra Singhal

@kushagrasinghal

Message

I build resilient UPI payment products and AI-powered automation tools.

India

Message

What I'm looking for

I'm looking to build high-impact payment or AI products where I can untangle complex enterprise requirements, ship reliable systems quickly, and own delivery from problem definition through launch.

At ICICI Bank, I build UPI platform products that make payment flows more reliable. I decoupled CBS from the UPI switch, reducing merchant payment failures by 40% and improving SLA compliance.

I designed deferred EMI booking for RuPay Credit Card via UPI, enabling synchronous NPCI success responses while posting to CBS asynchronously. I also simplified UPI account discovery to a single DEH API call, supporting family banking and joint-account users.

I take products through NPCI documentation, BRDs, test cases, certification, and production sign-off. My work includes ICD, RuPay Credit Card Autopay and Standing Instructions, and SDK integrations with Aditya Birla and Tata Neu.

I also build AI and automation projects, including JobBlitz, a job-discovery agent using Python, Playwright, FastAPI, and Claude API. For my IIT Delhi thesis, I built speech-emotion recognition models that achieved 87% accuracy across eight emotion classes.

Experience

Work history, roles, and key accomplishments

Current

Product Manager, UPI Platform

Current

ICICI Bank

Aug 2024 - Present (2 years 1 month)

Owned end-to-end platform decoupling of CBS from UPI switch, reducing merchant payment failures by 40% and improving switch SLA compliance. Architected deferred booking for EMI on RuPay Credit Card via UPI and led UPI account discovery revamp.

UPI NPCI Integration Rupay CBS Architecture API Orchestration BRD Authoring E Mandate Standing Instructions Merchant Payment Processing SDK Integration UAT Certification Product Management

Founder's Office Intern

Clovia

May 2023 - Jul 2023 (2 months)

Reduced shipping costs by 40% by revamping packaging strategy and optimising carton configurations. Achieved 15% increase in conversion by personalising user journey on web application using data-first approach.

Packaging Optimization Data Driven Personalization NPS Improvement Web Application Optimization

Education

Degrees, certifications, and relevant coursework

Indian Institute of Technology Delhi

Bachelor of Technology, Production and Industrial Engineering

2020 - 2024

Pursued a Bachelor of Technology in Production and Industrial Engineering, with coursework in game theory, probability, stochastic processes, queuing theory, and operations research.