anant@finpay-cluster — bash
$ finpay get engineer anant-avinashi --namespace product
Name: Anant Avinashi
Role: FinTech Product Leader
Experience: 13+ Years
Status: ● AUTHORIZED
Location: Bangalore, India
Specialization: Credit Cards · Payments · Enterprise Onboarding
$
// FinTech Product Management & Consulting

Anant
Avinashi.

FinTech professional leveraging technology to build products that make financial life simpler for the masses. Technology Consultant and Product Leader specialising in Credit Cards, Enterprise Onboarding, and Payment Lifecycle Architecture.

→ GET IN TOUCH LinkedIn Profile
anant1419@gmail.com +91 9810908599 LinkedIn
payment.lifecycle describe --engineer anant-avinashi

Architect of Frictionless Finance

Building the rails that move money, responsibly.

profile.sh
$ whoami
anant-avinashi
📍 Location: Bangalore, India
💼 Exp: 13+ Years (Jul 2011 – Present)
🎓 M.Sc.: FinTech, Univ. of Strathclyde
🔑 Domain: Credit Cards, ISO 8583, EMV
🏦 AmEx: 3 LOBs · 50+ Stakeholders
⚡ Uptime: ● AUTHORIZED
$

I sit at the intersection of finance, technology, and product thinking — translating complex regulatory and business requirements into systems that handle billions of transactions reliably.

From defining ISO 8583 message flows and EMV card lifecycle architecture to leading enterprise onboarding platforms across multiple Lines of Business at American Express, I bridge the gap between domain expertise and delivery.

Beyond the corporate world, I actively explore DeFi, CBDC, and blockchain through fellowships and open-source contribution — believing that the future of finance is open, programmable, and inclusive.

CURRENT CLIENT
American Express
TEAM SIZE MANAGED
40+ Members
GLOBAL REACH
Africa · Gulf · UK
FRAMEWORKS
SAFe Agile · PCI DSS
iso8583.get skills --profile anant --format yaml

Technical Arsenal

Domain depth meets delivery toolkit.

// Core Domain
Credit Cards ISO 8583 EMV Payment Lifecycle FinTech Use-Cases Banking & Payments
// Compliance & Risk
PCI DSS PSD2 Basel IV Open Banking Banking Risks SEPA Payments
// Product & Delivery
Product Management SAFe Agile Product Roadmap JIRA Aha! Figma Backlog Prioritisation
// Enterprise Onboarding
AmEx Corporate Cards Legal Entity Onboarding Consumer Cards Risk & Underwriting Field Mapping Architecture Flows
// Blockchain & Web3
Blockchain DeFi CBDC Cryptocurrency Solidity Hyperledger ReFi
// Tech & AI
Generative AI Responsible AI Python Go Solidity AI & ML Foundations WhatsApp Banking
txn.history get experience --all --sort=desc

Work Experience

A ledger of impact across FinTech, Banking, and Consulting.

Zinios Edge · deputed to American Express
Product Owner / Consultant
● RUNNING
Feb 2025 – Present · Gurugram, India
Product & Platform Leadership
  • Lead enterprise onboarding platform initiatives across 3 Lines of Business: Corporate Legal Entity, Corporate Cards, and Consumer Cards.
  • Drive requirement elicitation and closure across acquisition lifecycle stages.
  • Define architecture flows, system field mappings, and end-to-end process designs across onboarding, risk, and servicing ecosystems.
Enterprise Delivery & Governance
  • Coordinate delivery across 15+ internal and external teams within a SAFe Agile construct.
  • Manage stakeholder ecosystem of 50+ members across business, technology, and operations.
  • Create executive dashboards and risk summaries for VP- and CEO-level governance forums.
Knowledge Initiatives
  • Conducted expert-level sessions on Credit Card Lifecycle and platform architecture — received appreciation from cross-functional participants.
SEPA Cyber Tech Banking Innovations
SME – Product Owner
✓ SETTLED
Apr 2024 – Jun 2024
  • Translated business requirements into user stories with detailed acceptance criteria. Led sprint planning and backlog prioritisation.
  • Leveraged expertise in Banking, Finance, and Blockchain to shape product strategy for SEPA payments.
  • Mapped user journeys and created wireframes using Figma to enhance UX.
  • Mentored Product Owners on Blockchain integration.
Affinsys AI
Project / Product Manager
✓ SETTLED
Apr 2021 – Jan 2023 · Global
  • Launched CannyPay, a cross-border payment platform supporting 4 currencies.
  • Delivered 250% revenue growth through new digital product initiatives.
  • Led end-to-end management of WhatsApp Banking Wallet, Digital Onboarding, Invoice-to-Pay, and Request-to-Pay.
  • Managed 40+ members (developers, DevOps, QA, BAs) across a global Agile delivery model.
  • Handled clients across Africa (i&M Bank, Stanbic, FCB, KOIL), Gulf (DIB, Lebara), and UK (CannyPay).
  • Ensured ISO security compliance and developed an insurance chatbot for Kenya Orient Insurance (KOIL).
Namaste Credit
Senior Python Developer
✓ SETTLED
Mar 2019 – Mar 2020
  • Conceptualised a pre-approved loan product tailored for SMEs to enhance access to financing.
  • Managed cross-functional teams to generate standardised reports evaluating financial statements, CIBIL scores, and ITRs.
  • Served as knowledge bridge between technology and finance teams — analysed P&L, balance sheets, and income statements.
FIS
Business Analyst
✓ SETTLED
Feb 2015 – Aug 2017
  • Led team on the American Express Corporate Credit Cards project and credit card disputes.
  • Successfully implemented Amex Vicinity across multiple browsers.
  • Spearheaded QA frameworks for ACH, Wire Transfer, and Bill Pay for FIS's core banking product, Business eBanking.
Tata Consultancy Services (TCS)
System Engineer
✓ SETTLED
Jul 2011 – Jan 2015
  • Executed QA activities for American Express, CVS PBM, and CVS Rx Connect.
  • Prepared and tracked project documentation — BRD, Use Cases, Traceability Matrices, and Sign-off Reports.
kyc.verify credentials --user anant-avinashi

Certifications

Formally verified expertise across product, agile, blockchain, and finance.

📋
Product Management
Aha! — Product Roadmap Platform
✓ VERIFIED
⚙️
Agile with Atlassian JIRA
Atlassian / Coursera
✓ VERIFIED
🔗
DeFi Talents Fellow
Frankfurt School Blockchain Center
✓ VERIFIED
🌱
ReFi Talents Fellow
Frankfurt School Blockchain Center
✓ VERIFIED
⛓️
IBM Blockchain Foundation Developer
IBM
✓ VERIFIED
📊
Reading Financial Statements
Corporate Financial Institute (CFI)
✓ VERIFIED
finpay metrics --user anant --output impact-report

Impact by the Numbers

Measurable outcomes from high-stakes product and delivery work.

🚀
0%
Revenue Growth
Delivered through new digital product initiatives including WhatsApp Banking, CannyPay, and Invoice-to-Pay at Affinsys AI.
👥
0+
Stakeholders Managed
Cross-functional stakeholder ecosystem spanning business, technology, and operations at American Express.
🔗
0+
Teams Coordinated
Internal and external delivery teams aligned within a SAFe Agile PI construct for AmEx enterprise onboarding.
🏦
0 LOBs
Lines of Business
Led platform initiatives across Corporate Legal Entity, Corporate Cards, and Consumer Cards simultaneously at AmEx.
🌍
0+
Team Members Led
Managed developers, DevOps, QA, and BAs across Africa, Gulf, and UK in a global Agile delivery model.
💳
0 CCY
CannyPay Currencies
Cross-border payment platform launched supporting 4 currencies, handling international money movement for UK markets.
🏆
0+ Yrs
Industry Experience
Spanning TCS, FIS, Namaste Credit, Affinsys AI, SEPA, and American Express — from QA engineer to Product Leader.
🌐
0+
Global Clients
i&M Bank, Stanbic, FCB, KOIL, DIB, Lebara, CannyPay, and American Express — banking, insurance, and telecom domains.
credentials.get education --sort=desc

Academic Foundation

Finance meets technology at postgraduate level.

M.Sc. Financial Technology
University of Strathclyde, Glasgow, UK
2017 – 2018
FinTech Blockchain Enterprise Pathway Challenge — Top 6 Credit Risk Analysis SME Lending
B.Tech. Electrical Engineering
DCRUST, Haryana, India
2007 – 2011
Electrical Engineering Systems Design Technical Foundation
🥇
Top 6 — Strathclyde Enterprise Pathway Challenge · May 2018
Developed a credit risk analysis model to make loan amounts easily accessible to SMEs — competing against teams from across the university's entrepreneurship programme.
community.get voluntary --user anant

Community & Volunteering

Giving back to the ecosystems that built me.

alter-ego.sh --run anant --mode human

Beyond the Terminal

The human behind the product. Curiosity, movement, and meaning.

🌍 Globe Trotter // every node visited, a new perspective loaded
Deployed Nodes · Visited
🏴󠁧󠁢󠁳󠁣󠁴󠁿 Scotland 🇯🇴 Jordan 🇧🇹 Bhutan 🇱🇰 Sri Lanka 🏴󠁧󠁢󠁥󠁮󠁧󠁿 England 🇦🇪 UAE 🇹🇭 Thailand 🇬🇪 Georgia 🇦🇿 Azerbaijan
Queued Transactions · Wishlist
🇪🇬 Egypt 🇳🇴 Norway 🇮🇸 Iceland 🇹🇷 Turkey
Drawn to the way life works differently everywhere — the markets, the rhythms, the people. Travel is less about destinations and more about understanding how the world organises itself.
📚 The Bookshelf // reading stack — overflow mode active
● READING Project Hail Mary — Andy Weir
● READING Metamorphosis — Franz Kafka
● READING Rig Veda
✓ LAST READ Seven Moons of Maali Almeida — Shehan Karunatilaka
Lifetime reads: 10+ books spanning fiction, philosophy, ancient texts, and science.
⚡ Sports & Fitness // keeping the hardware in top shape
Sports Played
🏀 Basketball
🏊 Swimming
🏏 Cricket
Fitness Routine
🧘 Yoga
🏃 Running
💪 Bodyweight Exercises
🧭 Life OS // core config & runtime vision
Core Values
Empathy Equality Respect Sustainability
Life Vision
Utilise knowledge to give something to society that brings change for good — building inclusive, sustainable systems that leave the world a little better than I found it.
contact.sh --init anant-avinashi

Let's Build Something

Open to product consulting, FinTech collaborations, and conversations about payments and AI.

contact.sh
$ contact --anant
📧 Email: anant1419@gmail.com
📱 Phone: +91 9810908599
📍 City: Bangalore, India
🕐 Response: < 24 hours
// Open to
Product Consulting
FinTech Advisory
Payments & Credit Card Architecture
Blockchain / DeFi Collaborations
$