Khalti Digital Wallet
Khalti
3M+
Monthly active users served by the platform
18
Banking integrations helped deliver
89% to 97%
Payment-success improvement contributed to
US$20M+
Transactions processed on a peak day
Overview
At Khalti, I worked directly under the CTO on consumer-wallet and merchant-payment products serving more than three million monthly active users.
I combined product leadership with personally implemented banking-integration, transaction-routing, and real-time fraud-scoring logic.
I helped deliver 18 banking integrations and improve payment success from 89% to 97%. The platform handled more than US$20 million in transactions on a peak day; that figure is a single-day maximum.
The Problem
Payments depended on bank integrations with different requirements, availability, and failure behavior. The product needed clear transaction states, reliable routing, and useful recovery paths when a payment could not complete normally.
My Role
Senior Product Manager
I led cross-functional product delivery while writing integration, routing, and fraud-scoring code. I worked with the CTO, engineering, operations, compliance, merchants, and banking partners to connect product requirements with implementation and launch readiness.
The Approach
Translated banking and merchant requirements into API contracts, payment flows, webhook behavior, and transaction-state handling.
Implemented routing, retries, fallback behavior, and partner-health monitoring to improve payment reliability.
Connected real-time fraud signals and transaction monitoring with operational decisions and product controls.
Used SQL and operational dashboards to investigate payment success, fraud, chargebacks, settlement, and retention.
Key Features
What we built
Banking Integrations
Integration workflows supporting wallet funding and payment execution across banking partners.
Transaction Routing
Routing, retries, fallback behavior, and payment-status handling.
Real-Time Fraud Scoring
Transaction signals and machine-learning logic supporting risk decisions during payment processing.
Consumer and Merchant Payments
Wallet, bill-payment, checkout, subscription, refund, and settlement workflows.
Operational Analytics
SQL dashboards and monitoring for payment success, partner health, fraud, and settlement.
Tech Stack
Key Lessons
What I took away from this project
A payment attempt and a confirmed outcome need distinct states.
Integration behavior, recovery, and operational visibility belong in the product design.
More Projects
Explore other work
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