Bhushan Kulthe
Project Manager @ICICI Bank
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WORK HISTORY
Project Manager @ICICI Bank
Leading end-to-end integration of Apple Pay at ICICI Bank, driving a 10-12% increase in digital wallet transaction, enabling secure contactless payments on iOS devices, enhancing adoption, along with transaction efficiency. Addressed product de-growth by deploying real-time decline alerts, by improving transaction success rate by ~1.3% and recovery of spends by ~8.5%, also helped to enhance overall customer experience. Implementing card controls on 3D secure page, achieving 83% success rate in e-commerce transactions. Collaborated with Digital Platforms to enable Push Provisioning for GPay & PhonePe, expanding wallet integration. Developed a transaction-level infrastructure for real-time TCS recovery on LRS transactions, achieving a ~92% recovery rate while streamlining operations and reducing manual intervention. Designed a Wrapper Solution, which will be one-stop solution for Debit Card SI transactions for enhancing UX. Generated additional revenue of ~1 Cr by enabling DCC charges on international transactions, mitigating losses from currency fluctuations. Also, managing key projects, including 3DS 2.0, Tokenization, GIFTCITY, Online Dispute Resolution (ODR), RuPay AutoPay, RuPay OBS and NCMC.
EDUCATION
National Institute of Technology, Tiruchirappalli
Master's Degree, Materials Science and Engineering
National Institute of Technology
Master of Technology
Savitribai Phule Pune University
Bachelor of Engineering - BE, Mechanical Engineering
ABOUT BHUSHAN KULTHE
Results-driven Product Manager with 2.5+ years of experience in the card business, payment processing, digital banking, marketing strategies, and reconciliation. Proven expertise to manage cross-functional projects, coordinate with stakeholders, and deliver innovative solutions. Strong technical knowledge of card schemes, transaction authorization flows, tokenization, network integration and regulatory compliance (RBI, PCI DSS) combined with effective collaboration skills, driving successful project outcomes and ensuring seamless payment system integrations. Adept at optimizing revenue strategies, improving fraud detection, and implementing scalable payment solution.
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