Building payments,
one shipped product
at a time.

I love payments and anything related to building products.
I approach problems in a rational and pragmatic way and ship the simplest, most functional solution possible.

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GET TO KNOW ME

About Me

Anand Wakde

I'm a computer science engineer by education and by trade, with 11+ years building payment products across banking, card networks, and financial infrastructure. Today I'm a Senior Product Owner driving Payments Modernization & Compliance at FSS.

Lately I've been obsessed with building with AI, not just talking about it — shipping working products in days instead of quarters, and figuring out where AI actually removes grunt work versus where it just moves it around.

ISO 20022Payments ModernizationMEA Compliance AutomationAI in Fintech
LinkedIn ↗ anandwakde@gmail.com

MY WORK

Featured Products

SERVICES

What I Do

🎯

Payments Product Strategy

I turn scheme rulebooks and compliance mandates into product roadmaps that actually ship — for payment gateways, card networks, and the ops teams caught in between.

🧭

Compliance & ISO 20022 Migration

I've lived through the ISO 20022 shift firsthand — structured addresses, hybrid formats, CBPR+ deadlines — and I build the tools that make migrations less painful for the teams doing the work.

⚡

AI-Assisted Product Building

I use AI to go from idea to working product in days, not quarters — prototyping, shipping, and iterating in the open instead of sitting in decks.

SKILLS & TOOLS

MY JOURNEY

Work Experience

Aug 2024 – Present

Senior Product Owner

FSS · Mumbai, India

  • Own the product roadmap for payment modernization across acquiring, issuing, and processing platforms.
  • Grew the merchant acquiring business by shaping technical RFP responses that won new client deals.
  • Led the technical integration of multiple Buy Now, Pay Later APIs into the checkout flow.
Apr 2021 – Aug 2024

Product Owner

Innova Solutions · Remote

  • Directed SWIFT ISO 20022 migration and MT-to-MX message transformation programs.
  • Designed PSD2-compliant Open Banking and Open Finance API models from scratch.
  • Ran the Agile Release Train as Product Owner across the entire portfolio, doubling as Scrum Master.
  • Mentored cross-functional dev and QA teams shipping to global partner banks.
Jan 2018 – Apr 2021

Business System Analyst

Fiserv · Pune, India

  • Cut delivery cycles by 50% by championing Agile practices across payment switch modernization.
  • Shaped requirements for transaction processing across the Mastercard and Visa ecosystems.
  • Spearheaded root-cause analysis that tracked down systemic reliability issues before they became outages.
Mar 2015 – Jan 2018

Deputy Manager → Assistant Manager

National Payments Corporation of India (NPCI) · Mumbai, India

  • Authored the RuPay EMV Contactless specifications banks certify against today.
  • Led product specs for the National Common Mobility Card — the card behind India's "one card, all transit" push.
  • Built and deployed the RuPay NIV simulator that streamlined certification for every issuing and acquiring bank on the network.