Madhuri Nanda

• 20% — Merchant Settlement Accuracy
• 6 — FTEs Reduction
• 3% — Working Capital Utilization

As PayPal’s merchant portfolio and solutions grew, so did the complexity of offering needed to meet clients’ needs. After I built these solutions, I was tasked with improving merchant satisfaction regarding payout timing and frequency.

I designed data‑driven payout timing algorithms using transaction patterns to balance merchant fund availability with PayPal’s working‑capital constraints. I also built AI/ML‑based payout logic and automated reconciliation reporting via anomaly detection to replace manual daily reviews. I partnered with finance, treasury, and data teams to embed this into the money‑movement infrastructure.

This solution shows the ability to use AI to optimize liquidity, cash flow, and reconciliation in very high‑volume environments.

Improved merchant settlement accuracy by 18% and reduced finance operations headcount by 6 FTEs through automation at a portfolio scale of billions of USD.

• **4 Days ** — Reduction in Settlement Verification Time
• $10 Million — Self-acquiring Target
• 100,000+ — Number of Merchants Supported by the Orchestration System

I was tasked with migrating 100,000+ merchants following the acquisition over a few months. I was able to safely migrate them by making sure to maintain data integrity while including numerous changes without affecting the merchants and their operations.

I automated funds flow and reconciliation orchestration for merchants in multiple regions in the US, Australia, and Europe. I designed and operationalized automated orchestration for payouts and settlements, including data pipelines and reconciliation automation. I also integrated API‑driven reporting to give real‑time visibility to treasury, accounting, and banking partners. Finally, I carried out intensive quality testing and batch releases to ensure data and merchant experience sanity.

Eliminated manual settlement verification from 3–5 days to about 4 hours, cut operations team workload by 60%, and reduced settlement errors by 12%.

• **5% ** — Crude Production Throughput
• $10 Million — Gross Refinery Margin

With the changing landscape in crude refining, procurement, and inventory management, there is always a need for highly efficient scheduling and inventory management services. I devised a web‑based crude scheduling and planning tool for a major refinery, coordinating feedstock and production decisions.

I co-led the design and implementation of the crude scheduling web platform for the refinery, translating planners’ manual spreadsheet workflows into a centralized tool that could simulate and commit optimal crude runs, thereby increasing production by 10%. I also supported change management and adoption by training planners and shift supervisors on the new platform and KPIs, ensuring the system was embedded into daily and weekly planning routines rather than remaining a side tool.

Increased production by 10% and helped maximize gross refinery margin by $10 million after intense optimization and analytics, testing, and implementation.

• 35% — Customer Base Growth
• 25% — Onboarding Time Reduction
• 15% — Customer Acquisition by Adding New Payment Integrations

As an early-stage startup, my client wanted to offer products that merchants wanted fast. I was involved in multiple projects, including a virtual payments dashboard, a merchant app, and a back‑office platform for SMB credit/debit card acceptance.

I led product discovery and market/competitor research to define a new virtual payments dashboard that made it easier for SMBs to monitor and manage their card transactions. I also scoped and delivered an MVP of the dashboard, collaborating with sales and marketing on positioning and go‑to‑market (GTM) to drive adoption, resulting in a 35% increase in the customer base. I owned the merchant onboarding journey across the iOS and Android merchant apps, running A/B tests on form flows and requirements to reduce friction and shorten onboarding time by 25%.

Achieved a 35% growth in customer base through MVP and GTM strategies, accelerated onboarding by 25%, expedited settlement by 35%, and increased activation rates by 30% with pre-approval processes.

• 15% — User Engagement
• 700 in 3 Months — Subscription Metrics
• 35% DAU — Content Consumption

Cubii intended to demonstrate value and continued usage for its customers to improve its hardware sales and open a new revenue stream. I led the mobile app and the Studio+ content platform for ellipticals/treadmills, featuring on‑demand and live workout content.

I analyzed usage data to identify high‑value features and friction points, then prioritized improvements to navigation, tracking, and feedback loops, driving a 15% increase in user engagement. I also defined and launched the Studio+ content platform within the app, curating 14 types of on‑demand and live workout classes tailored to different fitness levels and goals. Finally, I collaborated with content, marketing, and engineering teams to design subscription flows, trial mechanics, and in‑app promotion for Studio+.

Increased user engagement by 15% and acquired 700 subscribers in 3 months for Studio+ through data‑driven acquisition and engagement tactics.