Ajay Narasimmamoorthy — Senior Product Leader · Global Payments, BNPL, Agentic Commerce

Professional Work

Case studies from fourteen years inside enterprise payments.

Each study is framed in human-centered language — the context I walked into, the problem worth solving, the approach I took, and the outcomes I can point to. Click any card to open the full case.

Context · who & where

Fiserv's enterprise commerce orchestration platform (CommerceHub) served the world's largest acquirers and merchants but had grown organically — fragmented integrations, inconsistent BNPL and wallet behavior across regions, and a 7% annual merchant attrition rate that exec leadership treated as background noise.

Problem · what I reframed

I reframed that 7% attrition as the cost of platform fragmentation — merchants were leaving not because we lacked features, but because every new APM, BNPL provider, and wallet felt like a net-new integration instead of a coherent platform capability. That reframe unlocked exec buy-in for consolidation.

Approach · how we moved

Built a unified global APM platform from zero — covering 55+ methods (BNPL, digital wallets, A2A / bank redirects, card rails) across 70+ countries. Paired strategy with a hands-on reference SDK (220+ TypeScript files, 4 packages, per-provider idempotency & dispute flows, Klarna E2E sandbox validated).

Conceptualized 0-to-1 unified payment platform integrating BNPL + wallets globally
Led redesign of checkout & hosted payment experiences via iterative usability studies
Built AI-powered APM mapping engine auto-generating field-level specs between CommerceHub and 50+ providers
Authored enterprise stablecoin strategy — 5 prototypes de-risking the rail before platform commit

Outcome · what landed

CSAT lifted, OpEx came down, checkout adoption climbed, CNP volume doubled. More importantly, the internal narrative changed — APMs became a platform capability, not a series of one-off integrations.

0-to-1 Global APMs BNPL Digital Wallets Platform Strategy Stablecoin Rails

Context

Clover's SMB merchants — the small-business backbone Fiserv serves via ISOs, ISVs, and bank partners — had no coherent BNPL story. Competitors were winning SMB pipeline with BNPL-at-the-counter. We had to respond without fracturing the Clover experience.

Problem

Launching BNPL in a three-sided ecosystem (merchant, consumer, funding partner) requires all three to see the same experience — but ISO and ISV distribution partners each had different requirements, and risk/compliance wanted a different conservatism than the sales org.

Approach

Orchestrated the end-to-end launch of Bread Financial across Clover (online + in-store), negotiated the Bread integration, and owned P&L inputs — merchant fees, revenue share, activation metrics. Championed a single unified BNPL checkout regardless of distribution path.

End-to-end product solutioning, launch, and partner-channel rollout
Aligned cross-functional teams on unified BNPL checkout spanning multiple Fiserv platforms
Led solution design across regulatory, risk, and agile cadences

Outcome

10% YoY growth in BNPL revenue and a 20% lift in partner-channel sales — a repeatable template for future BNPL integrations across the Clover footprint.

BNPL Launch SMB Ecosystem P&L Ownership ISO / ISV Distribution

Context

Visa had never shipped an installments product. BNPL startups were gaining share at checkout and issuers were asking Visa for a card-linked response. I was the founding PM — no codebase, no partners, no spec.

Problem

Build a product that (a) respected the card network's role, (b) worked across multiple acquirers and technology enablers, (c) could land in face-to-face retail where BNPL-native players were still weak, and (d) proved consumer demand quickly enough to unlock more investment.

Approach

Drove Visa Installments from ideation to launch across US, UK, and Canada. Chose the $400B healthcare vertical as the US beachhead — high-ticket, high-pain, underserved by existing BNPL. Partnered with Data Science on POS lending analysis and Innovation/Design on Human-Centered Design — the exact data-driven + usability motion that makes BNPL work at checkout.

Founding PM — 0-to-1 from ideation to multi-country launch
Led POS installment proof-of-concept with pilot partners
Commercial structuring + issuer/acquirer alignment on $10M+ deal flow
Product strategies enabling card-based installments on ChargeAfter and CyberSource

Outcome

Visa's first installments product — live across three countries, with validated POS BNPL pilot data. The POS-BNPL precedent is a direct analog for the in-store Venmo Pay Later charter.

0-to-1 Global Launch US · UK · Canada Healthcare Vertical POS BNPL

Context

Visa's Click to Pay web component was live across enterprise merchants; adoption was below target and the team lacked a disciplined experimentation practice.

Approach

Ran A/B testing and usability studies on the web checkout component; converted product requirements into automated testing solutions for enterprise merchants; set up data-gathering mechanisms for key success metrics.

Outcome

20% lift in consumer adoption — the foundation data that informed Click to Pay's enhancement roadmap.

A/B Testing Conversion Enterprise Merchant

Builder Portfolio · github.com/ajnarasi

A product leader who ships working code.

What a résumé can't convey: the instinct to prototype the idea before writing the deck. Below is a working body of code — shipped repos, not mockups — grouped by the capability each one proves.

Fifteen production-shaped repos, 220+ TypeScript files in the unified SDK alone, and 295 tests across the ISO 8583/20022 tool — because the fastest way to align a 50-engineer org on a platform bet is to hand them a working reference.

View on GitHub

Payment Platform & SDK 3 repos · TypeScript · Node

Why this shelf matters: the unified checkout SDK is the strongest proof I can translate platform strategy into maintainable code — the exact scope Venmo would need for in-store BNPL.

★ Flagship · TS · 4 packages

Unified Checkout SDK

Production-shaped SDK covering 55+ APMs and 5 BNPL providers (Klarna, Affirm, Afterpay, Sezzle, Zip). Per-provider auth-token / idempotency / reconciliation / dispute handling; Klarna full E2E sandbox validated.

220+ TS files4 packages55+ APMs

Reference implementation for unifying fragmented APM / BNPL integrations at platform scale.

Payments · Card-Present · FastAPI · React

Card-Present APM Orchestration Engine

In-store QR + terminal emulation covering PayPal, Affirm, Afterpay, Venmo, Alipay, UPI. FastAPI + React + WebSocket. Direct precedent for in-store BNPL UX.

6 railsWS liveIn-store

Proves the hardest part of BNPL — making it feel native in face-to-face retail — with a live working prototype.

Wallets · DPAN · Token Encryption

Apple Pay Express Checkout · Hot Topic

PRD + working build with DPAN handling, merchant identity certs, and a proxy service for token encryption. Shipped as a live demo on Hot Topic's checkout.

DPAN flowLive demo

End-to-end wallet integration including the parts PMs usually hand-wave past — merchant cert handling and token encryption.

AI & Agent Orchestration 3 repos · Python · TS · MCP

Why this shelf matters: every payments roadmap today has to answer "what does AI do to this workflow?" I answer by building, not speculating.

★ AI Platform · Multi-agent · 15 agents

AgentOS — Merchant Operating System

Merchant OS with 15 coordinated AI agents across 5 global markets, partner-for-rails architecture, D2C beachhead. Turns a fragmented merchant toolstack into one coordinated workflow.

15 agents5 markets$499/mo target

What a PM thesis looks like when it's shipped as software, not slides.

Voice Commerce · Shopify OAuth · Stripe Connect

UttrVox.ai — Voice-Native Commerce

Voice-native storefront with Shopify OAuth, Stripe Connect, and auto-retry payment logic. 379 tests — because voice commerce is where brittle payment flows fail first.

379 testsShopifyStripe

Practical bet on conversational commerce — the payment rails under it matter more than the voice UI.

AI-Native Platform · Claude · MCP

APM Mapping Engine (AI-powered)

Auto-generates field-level API specs between CommerceHub and 50+ providers — replacing the manual integration-spec grind with an LLM pipeline that proposes, validates, and diffs mappings.

50+ providersField-level

Removes the single slowest step in APM onboarding — the mapping — from the critical path.

BNPL & Open Source 2 repos · Next.js · OSS

Why this shelf matters: I interview the way I work — with a working artifact — and I ship back to the payments community. Proof that I stay fluent with the substrate beneath the product layer.

★ Interview Artifact · Next.js

"Venmo Group Pay Later" Prototype

0-to-1 Venmo-native BNPL concept leveraging the social P2P graph as competitive moat — per-person underwriting, Ask-a-Friend recovery, group-checkout orchestration.

ClickableArtifact pack

A concrete answer to "what would you build first?" for the Venmo Sr Lead PM charter.

OSS · ISO 8583 / 20022

ISO Assist

Open-source ISO 8583 → ISO 20022 reference + migration tool: field parser, message builder, migration diff. 15,800 LOC, 295 tests — shared with issuer/acquirer product teams inside the ACH/card migration conversation.

15,800 LOC295 testsMIT

First-of-its-kind ISO migration PM tool, shared back to the payments community.

Career Arc

From engineer to enterprise product leader — in five chapters.

Every chapter added a layer. Engineering depth at Microsoft, checkout optimization at Visa, founding PM chops with Visa Installments, BNPL scale at Clover, and today, global commerce orchestration + agentic AI at Fiserv. The through-line: turning complex payment ecosystems into seamless commerce experiences.

2012 – 2016 · Ch. 01

Software Engineer

Microsoft · MaxPoint Interactive

Built reporting tools, QA automation, and data pipelines. Product thinking before PM titles existed. Led Python → Scala/Spark migration on a real-time bidding system handling 50B+ daily requests.

2016 – 2018 · Ch. 02

Payments & Checkout

Visa · Click to Pay

Led A/B testing on web checkout — 20% adoption lift. Built automated testing solutions for enterprise merchants. The bridge from engineering to product.

2018 – 2021 · Ch. 03

Founding PM · Global BNPL

Visa · Visa Installments

Founding PM for Visa Installments (0→1). Launched US, UK, Canada. $10M+ healthcare deals. Proved POS BNPL could work for card networks.

2021 – 2022 · Ch. 04

Director of Product, BNPL

Fiserv / Clover

Launched Bread Financial BNPL across Clover's SMB ecosystem — 10% YoY BNPL revenue, 20% partner sales lift. Owned BNPL P&L inputs.

2022 → Present · Ch. 05

Commerce Orchestration & AI

Fiserv · CommerceHub

Leading global commerce orchestration, agentic commerce protocols, and stablecoin settlement. Building the next generation of payments infrastructure.

Toolkit

The skills stack — and where each one was applied.

Every skill below is tagged with the company or context where it was exercised. A product leader's toolkit is only as credible as the places it's been used.

⌥

Payments & Commerce 14 yrs

Commerce Orchestration

Fiserv

Alternative Payment Methods

FiservVisa

BNPL / Installments

VisaClover

Digital Wallets (Apple/Google/Samsung/PayPal)

FiservVisa

Stablecoin Settlement

FiservR&D

Cross-Border · Regional Expansion

Fiserv

Card Processing · Tokenization

VisaFiserv

◆

AI & Agentic Protocols 3 yrs

Agentic Commerce (ACP / UCP)

Fiserv

Delegated Payment Flows

Fiserv

AI-Agent Transactions

FiservR&D

Multi-Agent Orchestration

AgentOS

LLM Pipelines (Claude, Anthropic SDK, MCP)

FiservR&D

Voice Commerce

UttrVox

★

Product Strategy 10+ yrs

0 → 1 Product Building

VisaFiservClover

Roadmap & Feature Scoping

FiservVisa

P&L Ownership · Commercial Structuring

CloverVisa

Partnership Management

VisaFiservClover

Risk & Regulatory Compliance

VisaClover

Data-Driven Prioritization

FiservVisa

Agile · Scrum · SAFe

MicrosoftFiservVisa

◇

Design & UX Research 8 yrs

Human-Centered Design

VisaFiserv

Usability Studies · UX Research

FiservVisa

Checkout / Cart Abandonment Optimization

FiservVisa

A/B Testing · Experimentation

VisaMaxPoint

Prototyping · Figma · Miro

VisaFiserv

Engineering / Technical PM

MicrosoftMaxPointFiserv

Tools, Languages & Platforms

TypeScript / JavaScript Python Java SQL · Snowflake · BigQuery FastAPI · Node · React · Next.js Figma · Miro · Sketch Claude Code · Agent SDK · MCP LangChain · Anthropic / OpenAI APIs Tableau · Looker · Amplitude · Mixpanel JIRA · Aha! · Productboard · Notion AWS · GCP Postman · LaunchDarkly · Segment

Résumé — PDF

The one-pager, in full.

Prefer paper? Here's the same narrative as a traditional résumé — two pages, print-ready. Download it or read inline below.

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Career Arc

Fiserv · Sr. Director, Global Product (2022→Present)
Fiserv / Clover · Director, BNPL (2021–2022)
Visa · Sr. PM, Visa Installments (2018–2021)
Visa · Click to Pay (2016–2018)
Microsoft · MaxPoint · SWE (2012–2016)

Signature Work

Founding PM, Visa Installments — $10M+, 3 countries
Launched Bread BNPL on Clover — +10% YoY, +20% partner sales
Global APMs on CommerceHub — 55+ methods, 70+ countries
2× CNP volume, +30% checkout adoption
Authored enterprise stablecoin strategy — 5 prototypes

Education & Credentials

M.S. Computer Science — UT Dallas
Disruptive Strategy — Harvard Business School (Christensen)
Product Management & UX Design — General Assembly
Pragmatic Marketing Certified (Level III)
Certified Scrum Product Owner (CSPO)

Contact

If you're building the next chapter of consumer payments — BNPL, agentic commerce, stablecoin settlement, or anything in that neighborhood — I'd like to hear about it.

ajay.narasimmamoorthy@gmail.com 940 · 391 · 4908 LinkedIn GitHub

Based in

San Francisco, CA

Open to

SF / NYC / Remote

Best for

Sr. PM · Staff PM · Director

Focus

Payments · BNPL · AI-native