Career Journey
Professional Experience
From building Nepal's largest digital wallet to developing AI-powered risk analytics at Morgan Stanley, and now building voice AI and fintech products at Quantum Insider, my journey has been about creating impact through technology.
CurrentSan Francisco, CA
Founding Product Engineer
Quantum Insider
AI Voice & Fintech Product Studio
December 2025 - Present
- Led development of Quantum Voice, a real-time speech transformation platform enabling accent conversion and bilingual translation, achieving <50ms latency while preserving speaker identity across 24 languages
- Architected Quantum Fintech Lab payment infrastructure supporting FedNow and RTP instant payments, scaling to 47,000+ transactions per second with 99.999% uptime SLA across 180+ countries
- Built ML-powered fraud detection and risk analytics engine by integrating real-time scoring into payment workflows, reducing fraudulent transactions and enabling automated compliance monitoring
- Led cross-functional engineering team while simultaneously shipping two production-grade products (Voice and Fintech), establishing architecture patterns and CI/CD pipelines for rapid iteration
- Designed bank-grade security infrastructure by implementing end-to-end encryption and access controls, achieving SOC 2 Type II, ISO 27001, and PCI DSS Level 1 certifications with post-quantum cryptography readiness
Technologies
RustPythonWebRTCML/AIFedNowRTPPostgreSQLKubernetes
PreviousSan Francisco, CA
Growth Product Manager
Morgan Stanley
Global Investment Bank
April 2024 - November 2025
- Own the roadmap for an AI-driven B2B risk analytics platform using generative AI and predictive models to surface portfolio risk, limit breaches, and regulatory narratives in a highly regulated environment
- Partner with data scientists, ML engineers, and architects to design end-to-end pipelines for risk models, including data sourcing, feature engineering, training, evaluation, deployment, and continuous retraining with monitoring and drift detection
- Define service boundaries and REST API contracts for model serving and analytics, working with architecture, InfoSec, and compliance to meet firm policy and regulatory expectations
- Lead integration of LLM-based agents that summarize complex risk exposures, generate client-ready commentary, and answer scenario questions using retrieval augmented generation
- Design data strategies for capturing feedback signals to calibrate thresholds and improve model quality while keeping false positives and negatives within risk appetite
- Serve as product owner for AI-centric epics, writing user stories with latency, explainability, observability, and control requirements
Technologies
PythonSQLREST APIsLLMsRAGRisk AnalyticsTableau
PreviousLalitpur, Nepal
Lead Product Manager
Khalti
Top Digital Wallet of Nepal
May 2021 - August 2023
- Owned product strategy for consumer wallet and merchant platforms, covering wallet funding, bill pay, P2P, merchant checkout, refunds, and payouts for ~1.5 million daily transactions
- Led discovery and rollout of recommendation engines for services, billers, and offers based on behavioral and transaction data, improving payment conversion and merchant revenue
- Partnered with data science and compliance to design onboarding and KYC flows using ML to flag high-risk applications and predict drop-off
- Worked with engineering and bank partners to embed real-time fraud and credit risk models into payment APIs, improving authorization rates and reducing chargebacks
- Defined experimentation frameworks, KPIs, and dashboards tracking payment success rate, decline reasons, fraud rate, and chargeback ratio
- Coordinated post-launch monitoring of payment and risk models, leading incident reviews and root cause analysis
Technologies
Payment APIsML ModelsA/B TestingKYC/AMLPCI DSSAnalytics
PreviousKathmandu, Nepal
Product Manager
Tekkon Technologies
Australian & Global Product Services
April 2019 - May 2021
- Led product discovery and launch of Manini Pay as a cloud-native digital wallet and payments platform for merchants and consumers
- Defined data collection and event schemas for ML pipelines including fraud detection, risk scoring, and customer lifetime value
- Partnered with engineers and data scientists to pilot models predicting merchant churn and high-value merchants
- Worked with engineering to expose payment status and risk scores through APIs and webhooks for real-time dashboards
- Created developer-friendly documentation, Postman collections, and sample apps in React and Python
Technologies
ReactPythonREST APIsWebhooksMLPostgreSQL
PreviousLalitpur, Nepal
Associate Product Manager
Smartpalika Co
Government Tech Software Provider
September 2018 - March 2019
- Drove end-to-end product management for e-governance modules including citizen registry, online tax payments, and permits
- Facilitated workshops with municipal leaders and finance teams to translate policy requirements into product specs
- Prioritized backlogs and aligned sprints with engineering to deliver secure, localized payment flows
- Supported deployments across 20+ municipalities, running training sessions for finance officers
Technologies
E-governancePayment GatewaysMobile WalletsTraining
Leadership Experience
Beyond the day job
Leadership
SGA President
San Francisco Bay University
Fremont, CA • January 2024 - December 2024
Represented the student body, managed budgets for events, and partnered with administration to improve campus services and student support programs.
Leadership
Regional Director & Deputy Country Ambassador
Hult Prize and Social Business Programs
Kathmandu, Nepal • March 2019 - February 2022
Led regional-level (multi-country) Hult Prize program, mentored startup teams, and coordinated international social business challenge activities that produced a global finalist team.
7+
Years Experience
$10M+
Daily Transactions
4
Companies
20+
Municipal Deployments