Niranjan Ingawale

Strategic Payments
Expert.

13+ years in FinTech

Versatile FinTech professional with experience spanning Technical Account Management, Solutions Architecture, Team Leadership, and Implementation.

Pune, India

Payment Systems & Architecture

High-Throughput Switching Microservices Switch-to-Issuer EFT

Acquiring & Issuing Channels

Acquiring eCommerce Gateway Card Personalization Core Banking

Protocols & Financial Standards

ISO 8583 ISO 20022 (Nexo) AS2805 GICC REST/JSON APIs

Hardware Security & Cryptography

Thales / Adyton HSM TDES to AES Dynamic Key Exchange PCI DSS

Card Schemes & Networks

Visa Mastercard Amex RuPay UnionPay eftpos (ANZ)

Technical Management & Delivery

Account Management HLD / LLD Incident Resolution (P1/P2) Agile

Professional Impact

Enterprise Technical Handling
(Paymentology)

Technical advisor for enterprise clients, managing high-priority incidents (P1/P2), assessing production architectures, and advising on infrastructure improvements.

Global Retail Acceptance Modernization
(bp)

Directed architectural design and technical roadmaps to modernize global retail payment acceptance networks, bridging legacy retail architectures with cloud-native framework.

EMV Issuing and Acquiring

Developed and Implemented EMV Issuing and Acquiring for varous banks accross geographies. Worked with Schemes to certify the Issuing and Acquiring solutions before going live.

Enterprise Cryptographic Transformations
(Worldline)

Directed the platform-wide migration from TDES to AES for Worldline Pay Front Office (WLPFO) and deployed dynamic TR-31-compliant key management mechanisms across eftpos, UPI, and Amex.

Scheme Certification & Mandate Execution

Managed the engineering and certification lifecycle of EMV Issuing and Acquiring solutions for Visa, Mastercard, and RuPay, maintaining 100% compliance with biannual scheme updates and PCI DSS audits.

Mission-Critical Hardware Migration

Successfully orchestrated the migration of the OmniPayments Switch from HP NonStop Itanium to Blade systems for a top-tier Mexican retailer, delivering zero downtime and sub-second processing across high concurrency PoS networks.

Career Journey

Paymentology

Aug 2026 – Present

Technical Account Manager

Managing strategic technical accounts and scaled cloud-native architectures.

Streamlining client integrations for high-volume processing capabilities.

Optimizing payment processing for resilient global payment deployments.

bp

Aug 2025 – Aug 2026

Senior Solution Architect

Architected the global retail acceptance network modernization.

Designed cloud-native mobile channel integrations.

Ensured strict compliance with payment and data standards.

Worldline Global Services

May 2022 – Aug 2025

Senior Consultant – Architect

Directed enterprise cryptography modernization (TDES to AES).

Handled migration and platform deployment for major payment corridors.

Led cloud integration efforts for core financial services.

Opus Consulting Solutions

Aug 2021 – May 2022

Technical Lead

Spearheaded technical strategy and team leadership.

Oversaw development of high-availability backend solutions.

Engaged in system architectural design and modernization.

Education

Bachelor of Engineering (B.E.) Information Technology

University of Pune

Vidya Pratishthan's College of Engineering