Rutuja Mulay
Lead - Rupay Product @National Payments Corporation Of India Npci
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WORK HISTORY
Lead - Rupay Product @National Payments Corporation Of India Npci
Mumbai, IN
EDUCATION
KJ Somaiya College of Science and Commerce, Mumbai
Bachelor of Science - BS, Biotechnology
SIES College of Management Studies - India
PGDM , Marketing
ABOUT RUTUJA MULAY
I’m a Product Manager with 5 years of experience building and scaling payments and card products across India’s fintech ecosystem. My work spans IMPS, card benefits, reconciliation, pricing, partner integrations, and API-led product enhancements, with a strong focus on reliability, scale, and customer value.Currently, I manage RuPay card portfolios, including lounges, concierge, insurance, and partner benefits. I work closely with banks, partners, and internal teams to drive utilization, optimize costs, ensure SLA compliance, and deliver seamless customer experiences at scale.What differentiates me is my end-to-end view of products—from understanding ground-level banking operations to translating business goals into structured product roadmaps and measurable outcomes. I’m comfortable operating at the intersection of strategy, execution, data, and stakeholders, especially in complex, regulated environments.I enjoy solving ambiguous problems, improving underperforming products, and building systems that are secure, scalable, and commercially viable. I’m currently deepening my expertise in the cards and card network ecosystem, with a long-term goal of building high-impact financial products used by millions.
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