Naman Gupta

I'm a Software Engineering Manager with 11+ years of experience — including 8+ years in FinTech — building systems that handle authentication, payments, and financial transactions at global scale. Currently at Mastercard, I lead engineering on Core Payment Authentication, working deep inside the 3DS protocol stack that millions of cardholders rely on every day.

My career spans the full arc of backend engineering: PCI-compliant payment integrations at Skillnet, Kafka-driven data pipelines at Shiksha Infotech, digital wallet microservices at Altimetrik (for Mastercard as a client), healthcare IoT APIs at Netpulse, large-scale modernization at Barclays, and FX trading system architecture at Morgan Stanley — before taking on my current role driving platform reliability and engineering excellence at Mastercard.

Today, my focus sits at the intersection of engineering leadership and applied AI. I lead teams through architectural decisions and own end-to-end feature delivery, while actively championing AI adoption — running production POCs on AI agents, RAG pipelines, LoRA fine-tuning, and agent-to-agent interactions. I believe the next generation of payment infrastructure will be built by engineers who move fluently between distributed systems and AI-native design.

"I build payment systems that work silently at scale — and teams that do the same."

Beyond the code, I invest in the craft itself: mentoring engineers through design reviews, raising team technical standards, and translating product complexity into scalable designs. I've mentored 50+ engineers across structured design reviews, 1:1 coaching, and cross-team architecture forums — helping them grow from individual contributors to owners of complex systems.