Milind User

• Supported merchants in developing tailored payment checkout experiences to enhance customer conversions.
• Collaborated with notable clients including Flipkart, Supermoney, Acko, and Airtel to implement customized payment features.
• Leveraged insights from various customer segments to optimize payment solutions, driving better user engagement.

I led partnerships for merchants and TPAPs at Jupiter, focusing on scaling the Jupiter Rupay Edge Credit Cards.

• Explored data, product, and marketing collaborations for Credit Cards and UPI.
• Collaborated with cross-functional teams to drive growth and innovation in the fintech industry.

Head of SME Credit, Cards & Payments, led the following initiatives for the charter:

Launched the Flipkart Wholesale Co-Brand Credit Card, which offers 5% cashback on Flipkart Wholesale online spends, benefiting our customers and promoting digital adoption.

Managing the credit portfolio for Flipkart Wholesale, collaborating with NBFCs, Fintechs, and Banks to provide the best possible financial s

Fintech lead at Flipkart Wholesale. Responsible for driving promotions, payments acquiring, cobrand card & other payments led initiatives to drive growth in B2B wholesale business.

Introduced the instant discount on cards capability on the Flipkart Wholesale (FKW) platform, providing further value to our customers.

Enabled VAN (Virtual Account Number) for all Flipkart Wholesale members, facilita

I focused on driving payments digitization and strategic partnerships at Flipkart, achieving remarkable results.

• Managed key relationships with payment giants like Mastercard and PayU, enhancing service offerings.
• Executed cost optimization strategies, saving over $1.5M in transaction fees.

Developed live monitoring dashboards for better operational insights and risk management.
Optimized refunds management, achieving 80%+ instant doorstep refunds
Standardised digital journeys for onboarding and repayment; scaled PG integrations to support 2,000 TPS during peak sales (Big Billion Days).

• Analyzed and optimized Bank referencing and Bureau Policies risk rules, resulting in an annual addition of 5K New Accounts in Germany and Italy.
• Spearheaded the Schufa score migration exercise, contributing to an increase of over 10K New Accounts annually.
• Developed automated MIS reports using Excel VBA and SAS, saving 90 man-hours per quarter across international consumer markets.

Student Coordinator at Entrepreneurship Cell, IIT Kharagpur.

Worked as Summer Intern at PayPal.

I contributed to LTE network analysis and Femto cell optimization, leading to significant research achievements.

• Gained hands-on experience in network theory and data transfer layers.
• Developed software scenarios for optimal Femto cell placements, considering interference factors.
• Published findings in prestigious IEEE conferences, showcasing my research capabilities.

• Conducted in-depth analysis of over 3,000 infected PDF files to differentiate between benign and malicious content.
• Utilized tools such as PDF stream Dumper, PDFTK, and Origami for comprehensive PDF file format understanding.
• Collaborated with antivirus programs by assessing patterns of maliciousness in PDF files derived from collected scripts.

• Developed Enterprise Resource Planning modules for various university functions, including mess, library, and examination systems.
• Enhanced database handling by creating a platform-independent interface for importing data from applications like MS Excel.
• Managed a system capable of supporting over 3,000 students with a transaction capacity of 200 million using PostgreSQL.

• Developed a Java Applet for comprehensive banking operations utilizing Depth-First-Search and Dijkstra's algorithms.
• Implemented secure login access to enhance data protection for the organization’s network server.
• Collaborated with team members to ensure efficient functionality and security of banking applications.

Rigorous professional development program focused on end-to-end product strategy, data-driven decision-making, and modern product management frameworks. Collaborated with industry leaders and built a comprehensive portfolio solving real-world product challenges for top Indian startups.

Apr 2024

Worked on optimal placement of femto cells in enterprise scenarios.
Wrote research paper got published in IEEE 2013

Oct 2026

Jun 2025

Dec 2024

Dec 2024

May 2024

Apr 2020