01 / DMT
Domestic Money Transfer
My home turf — agent cash-in, the IMPS leg to the beneficiary, NPCI switching in between, and the reconciliation that catches a failed leg before the customer does.
Agent cash-inIMPSNPCI switchingReconciliation
Business Analyst · Banking & Fintech · Navi Mumbai, IN
AMEY JOSHI
I make complex systems talk to each other.
I sit between business and engineering — and I know how money actually moves on India’s payment rails: DMT, AePS, cards, UPI.
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01 / About
Complexity in.
Clarity out.
I work in the room between business and engineering — where stakeholders describe what they need, and systems get built to deliver it.
Payment rails. Banking platforms. Merchant ecosystems. My job is translation: taking what the business means, what the regulator requires, and what the architecture allows — and turning it into one specification everyone can build against.
Right now that’s at Fino Payments Bank — inside the rails that move money for millions of Indians every day.
INPUT — AMBIGUITY
- Stakeholder asks in ten dialects
- Legacy systems nobody fully documents
- Regulatory constraints
- Deadlines that don’t move
PROCESS — AMEY
- Requirements → BRD · FRD · user stories
- Process mapping & gap analysis
- UAT governance & release management
- Dependencies tracked across teams & vendors
OUTPUT — CLARITY
- Systems in production
- Teams aligned on one truth
- Transactions flowing
- Sign-offs, not surprises
PHASE 01
Define
Requirements · BRD / FRD · user stories · scope
PHASE 02
Design
Process maps · gap analysis · API specs
PHASE 03
Validate
UAT governance · regression · defect triage
PHASE 04
Deliver
Release management · go-live · stabilisation
02 / Expertise
I know how the
money moves.
Deepest first. Every claim below carries the detail to back it in a room.
02 / AEPS
AePS
I can walk an AePS transaction end to end — Aadhaar authentication with UIDAI, the acquirer–NPCI–issuer hop, biometric failure handling, and settlement back to the agent network.
UIDAI authAcquirer–issuer flowBiometric handlingSettlement
03 / CARDS
Cards
From tap to clearing — contactless and NCMC flows, 3DS authentication, PIN encryption and key management. What happens between the terminal and the switch.
ContactlessNCMC3DSPIN encryption
04 / RAILS
The Wider Rails
Working fluency across the rest of the stack — UPI journeys, NACH mandates, POS acquiring. Enough to spec against them, test them, and know when a design will fight the rail.
UPINACHPOSmATM
05 / CORE-BANKING
Core Banking
I’ve worked where the ledger lives — the accounts, GLs and end-of-day cycles every payment ultimately answers to, across three financial institutions.
FISFinacleTCS BaNCS
06 / GOVERNANCE
Delivery Governance
The discipline that ties it together — requirements people can build against, UAT that catches what matters, releases that land. Governed from kickoff to go-live.
BRD / FRDUAT governanceRelease managementVendors
03 / Experience
A career, versioned.
FOUNDATION
Zenox Technologies
Project Manager & Technical Consultant
Where I learned to run delivery end to end — scope, teams, clients, ship dates — across dozens of digital builds. The instincts came first; banking gave them stakes.
BANKING GRADE
IDFC FIRST Bank
Business Test Analyst · via Honeybee Tech Solutions
Wealth management technology at a universal bank. Integrations that touch real money, UAT and regression where a missed defect has a cost, and sign-offs you have to be able to defend.
ENTERPRISE SCALE
Fino Payments Bank
Business Analyst · Enterprise Programs
A payments bank in production. The rails on this page — DMT, AePS, cards — running at national scale. My job: one truth between business, engineering and vendors.
System status
COMPLEXITY
CLARITY
NOISESIGNAL
Navi Mumbai, India · ameyjoshi.in · © 2026