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Santosh Dubey

@santoshdubey

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I lead sovereign-scale real-time payment platforms, card processing, and trust-layer products.

United Kingdom

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What I'm looking for

I'm looking to lead product strategy for global payment infrastructure, real-time payments, and trust-layer products where I can turn regulatory change into scalable market opportunities.

At VocaLink, a Mastercard company, I lead multi-year product strategy for sovereign real-time payment platforms and Instant Payment Services used by central banks and domestic schemes worldwide.

I've led national-scale delivery across Peru, the Philippines, the US, Saudi Arabia, the Nordics, and Canada, partnering with engineering leaders on resilient, secure, ISO 20022-compliant payment systems. I also led adoption programs that enabled 70+ Philippine banking institutions to transition to modern RTP standards.

Previously, I defined growth roadmaps and financial models for Discover Deliver and wallet interoperability at Discover Financial Services. Across card processing, A2A payments, and digital wallets, I translate regulatory and technical complexity into scalable commercial products that reduce fraud and improve customer experiences.

Experience

Work history, roles, and key accomplishments

Principal Product Management, Payments

Discover Financial Services

Dec 2021 - Sep 2022 (9 months)

Defined growth and expansion roadmaps for Discover Deliver, a scalable Card-to-Card payment solution. Evaluated the viability and business case for wallet interoperability, driving cross-functional alignment across Finance, Pricing, Sales, Marketing, and Legal teams.

Product Management Payments Wallet Interoperability P&L management Financial Modeling Vendor Management

Director, Product Management

VocaLink, A Mastercard company

Dec 2018 - Dec 2021 (3 years)

Led multi-year product strategy for Sovereign Real-Time Payment platforms, driving national financial transformation across global markets. Orchestrated the product roadmap for the Instant Payment Services suite and led functional delivery for national-scale payment infrastructure projects.

Product Strategy Real Time Payments ISO 20022 P&L management Stakeholder Management Banking Ecosystems

Business Integration and Arch. Senior Analyst

Accenture Solutions

Jun 2015 - Aug 2018 (3 years 2 months)

Led the integration with issuer processors and the digitalization of legacy credit card applications, reducing processing time from 30 days to 24 hours. Managed the business migration of existing card portfolios to a new issuer processor platform.

Card Services Process Mapping User Stories

Business/Certifications Analyst

Capgemini Financial Services

May 2012 - Mar 2015 (2 years 10 months)

Led UAT team for the first-ever EMV implementation for Discover card. Certified merchants, acquirers, and issuers to enable EMV and Magnetic Stripe transactions across the Discover Network.

Magnetic Stripe UAT Certification Discover Network