RAMYA CHERUKUVADA
Easton,USA
Summary
Career Objective
Product Owner specializing in global payments, seeking to drive customer-centric, compliant, and scalable products by translating complex payment and regulatory requirements into high-impact solutions.
Summary
Product Owner with 12+ years of experience across payments and FinTech, backed by strong foundations in product management and quality assurance. Deep expertise in global payment ecosystems including EMV Chip & PIN, SCA/3DS, Card-on-File (COF), ACH, Pay-by-Link, and multi-acquirer integrations. Proven ability to own product roadmaps, prioritize backlogs, and translate complex payment requirements into clear user stories and acceptance criteria in Agile environments. A collaborative, data-driven leader partnering with engineering, UX, risk, compliance, and external PSPs to deliver secure, scalable payment solutions that improve conversion, authorization performance, chargeback reduction, and customer experience.
Overview
15
15
years of professional experience
1
1
Certificate
Work History
Product Manager
Global Payments, Avis Budget Group
Remote
06.2022 - 11.2025
- Executed global payments roadmap, enhancing Card-Present and Card-Not-Present channels.
- Led acquirer migrations across regions, ensuring compliance with regulatory requirements.
- Standardized Chip & PIN, implementing Dynamic Currency Conversion to improve customer experience.
- Reduced prepaid fraud by replacing non-compliant flows with AI-driven Pay-by-Link.
- Delivered compliance initiatives for MasterCard 3DS 2.x and PSD2 regulations.
- Managed payments product backlog, prioritizing requirements and stakeholder communication.
- Conduct regular cadence and product review meetings with various major payment service providers, acquirers and card schemes.
- Translate scheme and PSP certification mandates to merchant use cases and define product requirements.
Business Analyst
Optus Infotech
Remote
07.2020 - 03.2022
- Defined over 30 business requirements for e-commerce payment flows.
- Ensured secure UPI integrations with 5+ wallet and payment partners.
- Documented 10+ workflows for checkout, refunds, and cashback processes.
- Enhanced mobile checkout experiences through collaboration with product and engineering teams.
- Established cashback rules with 15+ eligibility conditions for reconciliation processes.
- Implemented fraud controls for high-volume wallet and UPI transactions.
Business Associate/QA Lead
UVInfra Infotech
India
07.2018 - 05.2019
- Led end-to-end website creation for a city-wide e-grocery platform, defining requirements for web and mobile shopping, one-click checkout, and hosted payment pages.
- Designed and documented payment Workflows including authorization, capture, refunds, deductions, and cashback, ensuring a seamless user experience.
- Managed Payment Integrations, PSP onboarding, fraud controls, validation rules, and exception handling.
- Collaborated with product, UX, and QA teams to optimize checkout speed, improve conversion, and executed QAT/UAT, release planning, and post-go-live monitoring.
- Acted as QA lead, preparing test plans and test cases, executing E2E, UAT, QAT, and A/B testing, attending product demos, and performing post-go-live monitoring.
- Analyzed market trends to identify growth opportunities and inform strategic decision-making.
QA Lead
JP Morgan Chase
New Jersey, USA
05.2015 - 12.2016
- Improved testing quality by converting 40+ user stories into test cases.
- Executed and maintained over 150 test cases in ALM for functionalities.
- Developed Test Plans and led 10+ Sprint reviews aligning testing with goals.
- Generated QA reports daily, weekly, and monthly to enhance stakeholder communication.
- Conducted end-to-end testing across three major releases for comprehensive validation.
- Prepared UAT and PAT test data for over 200 scenarios, ensuring readiness.
Software QA Engineer
Squad Infotech
Mumbai, India
05.2013 - 01.2014
- Enhanced automation efficiency by creating QTP scripts for various scenarios.
- Developed 45 test cases, averaging nine steps per case for thorough testing.
- Implemented reusable actions and managed shared object repositories for streamlined workflows.
- Customized QTP tests using VB Script for diverse data sets and scenarios.
- Verified application compatibility across multiple web browsers and operating systems.
- Tracked and reported defects using HP QC, generating daily and weekly reports.
Software QA Engineer
InnoPlus
Hyderabad, India
04.2012 - 02.2013
- Automated over 75 test cases using QTP scripts for efficiency.
- Enhanced scenario testing with QTP's Smart Identification feature for object recognition.
- Developed a Linear+ Modular Driven Automation framework to streamline testing processes.
- Customized QTP tests with VB-Script, utilizing parameterization and regular expressions.
- Executed automated test cases in QTP for accurate results reporting.
- Tracked and reported defects using Bugzilla, summarizing test execution outcomes.
Software QA Engineer Trainee
Q Spiders
Bangalore, India
05.2011 - 02.2012
- Achieved 100% project requirement accuracy across three SDLC projects.
- Tracked and logged over 50 defects, facilitating timely resolutions.
- Designed and executed three UAT testing schedules for on-time releases.
- Provided 10+ usability recommendations, enhancing overall product user experience.
- Conducted functional, regression, and performance testing across three product cycles.
- Executed smoke, UI, and ad-hoc testing covering over 200 test scenarios.
Education
Bachelor of Technology - Electrical And Electronics
Jawaharlal Nehru Technological University
Kakinada, Andhra Pradesh04.2011
Skills
- Product Management in Payments & FinTech
- EMV, Chip & PIN, and Dynamic Currency Conversion (DCC)
- Digital Wallets, Pay-by-Link, and Alternative Payments
- 3DS 2x, PSD2, and Strong Customer Authentication (SCA)
- Fraud Detection, Risk Management, and Chargeback Handling
- Card Networks & Schemes: Visa, MasterCard, AMEX
- ISO 8583 Specifications
- Global Payment integrations (NAM,APAC,EMEA,LATAM)
- Payment Platforms: Fiserv, Worldline, CyberSource
- Card-Present & Card-Not-Present Payment Flows
Payments & FinTech
Platforms & Technology
- SQL, Data Analytics, and Visualization
- Product Roadmap Development and Portfolio Planning
- Backlog Grooming, Prioritization, and Product Backlog Management
- Business & Functional Requirements Analysis
- User Journeys, KPIs, and Metrics Definition
- Agile & Scrum Delivery Models
- Release and Delivery Management
- Stakeholder Management and Cross-Functional Collaboration
- Acquirer, PSP, and Network Coordination
- Data-driven Decision Making and Continuous Improvement
Product Management & Delivery
Leadership & Collaboration
Accomplishments
- Credit Card Payments and Future Advancements | https://ijsret.com/2025/06/05/evolution-of-credit-card-payments-and-future-advancements/
- Role of Artificial Intelligence in Credit Card Fraud Detection | http://doi.org/10.61137/ijsret.vol.11.issue3.139
Publications
Certification
- ISTQB certified [INDIAN TESTING BOARD : REG# ITB0038482]
- Professional Software Test Expert – Squad Infotech.
- University of Pennsylvania – Fintech Foundations, Payments and Regulations
Timeline
Product Manager
Global Payments, Avis Budget Group
06.2022 - 11.2025
Business Analyst
Optus Infotech
07.2020 - 03.2022
Business Associate/QA Lead
UVInfra Infotech
07.2018 - 05.2019
QA Lead
JP Morgan Chase
05.2015 - 12.2016
Software QA Engineer
Squad Infotech
05.2013 - 01.2014
Software QA Engineer
InnoPlus
04.2012 - 02.2013
Software QA Engineer Trainee
Q Spiders
05.2011 - 02.2012
Bachelor of Technology - Electrical And Electronics
Jawaharlal Nehru Technological University
Affiliations
Member : Corporate Finance Institute (CFI)
ROLE
Product Owner/Product Manager
Work Elgibility
H4 EAD | Feb 2029
References
Available upon request
ROLE
Product Owner/Product Manager
Work Elgibility
H4 EAD | Feb 2029
References
Available upon request