My name is Vinod Sharma. I work as financial technologist – FinTech Expert. I am a passionate self learner of Artificial Intelligence at aggressive pace (very confident about start going much deeper in it i.e. at Machine Learning and then finally at Deep Learning level) . I really wants to bring AI benefits to the real world to help consumers & businessesHave worked in the vinod-15-feb-2017-copymobile payments for merchants & billers domain, traditional payments, Cross Border Remittances (On mobile), e-commerce payments and mobile financial services (MFS). I started my career in IT later moved into Telecoms and finally migrated to Financial Technology Services. I have provided my insights and product knowledge to various initiatives across four continents. I currently holds executive role  in the Financial Technology space based in Harare Zimbabwe (Works as CTO with one of the largest mobile network operator’s owned Financial Services). In the past I helped the founding and set-up of several start-up business units & department. There is only one goal for me; create values for societies, communities & industry by innovating and building mutually beneficial products, values, businesses and the World.

Led start ups & new business units successfully at local and international levels with Hands-on Engineering & Business Strategy. Extensive experience at Sr. Management Level in solution designing & architecture, Planning, Technical Operations, Software Development, Combining Computer Science with Visual & Practical Product Design, Operating Strategy to maintains high standards & executive decision making. Implemented Engineering strategy focused on technology brands. Always bring forward innovative ideas but preference is given to info-security, privacy and agile environment. Strategize with C-Level management. Coach, Manage and Develop Engineering teams. Develop a new disaster recovery and business continuity plan.

My experience is blended with domains like Telecom & IT Networks, Prepaid charging & Postpaid billing (IN, OCS & CVBS), Mobile data charging, Mobile Financial Services and Value added services  for over 17 years in total. Through out I mentored & supervised several projects on software development, deployments & integrations of platforms like Micro Insurance, Loans, Savings, NFC, Electronic Payments, Mobile Payments, Mobile Commerce & Marketing and Stored Value Applications & Cards.

Projects Completed (Solution Designing & Architecture and Deployments)

  • 12 Mobile Money & Mobile Financials Services  Projects Deployed in different countries.
  • International & Domestic Remittance Services on Mobile (Cash, Goods and Payments)
  • MasterCard Debit Card (International) linked with Mobile Money Wallet
  • Electronic Recharge, Charging Proxies and OCS (IN) in Prepaid environment
  • Data Center Design & Implementation for banks and MNOs.
  • Deployment & Operationalizing Core Banking Systems (T-24) & Switches


  • Financial Services Product Designing & Implementation on mobile and non-mobile environment.
  • Cross Border remittances on mobile and innovative way.
  • Lead other SME during complex HLD/LLD design activities
  • Lead solution/engineering  design, solution architecture and  capacity planning.
  • Project Planning (CAPEX & OPEX), ProgramManagement and Product Development.
  • IT & Business Strategies in cloud, standalone data-centers and centerlise solutions
  • Technical Project/Program Management & L3 Operations and maintenance
  • Billing , Charging in CvBS , IN & OCS, Product Design & Architecture
  • E2E Performance Optimisation for Core, 2G, 3G, 4G, Mobile Data & VAS

Details and name of projects, locations, and startups are available on special request after mentioning specific objectives & reasons. I holds one bachelor degree in commerce (3 years full time from Delhi University 1993 -1996), One bachelor degree in Computers Applications from IGNOU ( 3 years part time 1997 – 2001 ) , One Masters degree in Computer Applications  from IGNOU (2.5 years part time 2001-2003). Also done few certifications like CCNA, MCP, CCNP, MCSE, ITIL v3 , Prince2 and PMP.