RAHUL K. SINHA

Lead global strategy, architecture, and execution for JPMorgan Chase’s enterprise tokenization and mobile payments ecosystem, the backbone of digital wallet growth across Apple Pay, Google Pay, Samsung Pay, PayPal, and partner networks.

Strategic Leadership & Vision

• Define enterprise payment and tokenization roadmap aligned with Visa, Mastercard, Apple, and global regulatory requirements.
• Modernized mobile payments platform across private and hybrid cloud, enabling secure migration of non-sensitive workloads to public cloud environments.

Platform Governance & Engineering Excellence

• Govern high‑availability, low‑latency payment rails processing millions of daily transactions with 99.99% uptime.
• Oversaw architecture for real-time authorization, issuer processing, and token lifecycle management, ensuring PCI compliance.
• Lead technical standards, architecture reviews, and enterprise compliance initiatives.

Organizational Leadership

• Mentor and direct 100+ engineers and leaders across multiple U.S. and India locations.
• Championed Agile, continuous integration, and incremental delivery practices, enhancing collaboration across the digital organization.
• Remove delivery blockers and drive consensus‑based decision‑making across product, engineering, and business stakeholders.

Owned planning, design, and delivery of the mobile payments and tokenization platform, ensuring high availability, security, and scalability.

• Launched global digital wallet integrations (Apple/Google/Samsung Pay), expanding Chase’s mobile commerce footprint.
• Established engineering excellence culture focused on resiliency, observability, and operational rigor.
• Built and scaled high‑performing engineering teams; developed next‑generation technical leadership pipeline.

Led engineering for large‑scale digital messaging platforms supporting 100M+ daily events across Email, SMS, and Push channels.

• Architected distributed systems using Kafka, RabbitMQ, AWS, NoSQL, and relational databases.
• Partnered with product leaders to align platform capabilities with customer engagement strategy.
• Recruited, developed, and retained high‑performing engineering talent; drove adoption of Agile practices.

Re‑architected global payments lifecycle including settlement, remittance, and reconciliation systems.

• Built automated reconciliation platform improving financial accuracy and reporting efficiency.
• Contributed to Transactional FX (TFX) enabling Amazon’s global currency expansion.
• Designed tools to detect remittance variances and automate accounting health reporting.

Led engineering for online banking platform stability and uptime.

• Directed capacity planning and modernization initiatives.
• Supervised release engineering and weekly production deployments.
• Led cross‑department migration of branch locator service to Microsoft Bing Maps.

Developed enterprise applications using Java, Spring, Oracle, and service‑oriented architecture.

• Designed and implemented REST/SOAP services and UI components.
• Contributed to core insurance product modules and enterprise integrations.
• Supported UAT, client training, and deployment activities.