Smita Khode
Payments Product Leader | Enterprise Card Acquiring, Tokenization, ISO8583 | PayPal | Fintech Innovation
- Role
- Lead Product Manager at PayPal
- Location
- San Jose, CA, US
- LinkedIn followers
- 500 followers
About Smita Khode
Senior Payments & FinTech Product Leader with 16+ years of experience building, modernizing, and scaling enterprise card acquiring, network tokenization, and high-volume transaction processing platforms. Currently leading PayPal’s Card Acquiring Platform solutions across multiple acquirers, networks, and regions.My expertise spans the full payments lifecycle, including authorization, clearing, settlement, funding, disputes, reconciliation, and reporting, across card-present and card-not-present transaction types (CNP, COF, MOTO, tokenized, EMV, NFC, and magnetic stripe). I have deep experience working with acquirers, issuers, payment switches, card networks, and token service providers, enabling secure, compliant, and resilient enterprise payment platforms.At PayPal, I’ve led large-scale acquirer migrations, expanded acquiring capabilities into growth markets, and delivered measurable improvements in authorization rates, settlement success, platform resiliency, and operational efficiency. I partner closely with Engineering, Risk, Compliance, Finance, Sales, and Network Partners to balance regulatory requirements, business growth, and platform scalability.Previously, I held product, implementation, presales, and engineering leadership roles at Opsol Integrators, delivering enterprise payment switch solutions for banks and retailers across the US, Mexico, Colombia, Argentina and India. I led PCI DSS and PA DSS certifications, supported complex cutovers and migrations, and worked directly with customers and network schemes to deliver mission-critical payment systems. Core strengths:• Enterprise Payments Product Strategy & Platform Ownership• Card Acquiring, Issuing & Network Tokenization• Multi-Acquirer Routing & High-Availability Systems• ISO 8583, EMV, NFC & Secure Transaction Processing• PCI DSS / PA DSS, Risk & Fraud Controls• Cross-Functional & Executive Stakeholder Leadership
Experience
Lead Product Manager
Feb 2025 — Present · San Jose, CA, US
Education
Vidya Pratishthans College of Engineering, M.I.D.C.road, Baramati, Dist.Pune
Bachelor's Degree, Computer Engineering
2004 — 2008
Skills
- Hp Nonstop
- Web Services
- Databases
- Javascript
- Tandem
- Xml
- Sdlc
- C
- Sql
- C++
- Software Design
- Cobol
- Requirements Analysis
- Unix
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