Vishakha Gupta
Vishakha Gupta is a seasoned fintech leader and Product Manager, specializing in cross-border payments, AI-driven product strategy, and digital innovation across the global fintech ecosystem. With a strong engineering foundation from India and an MBA from the University of Maryland, she has built a distinguished career at the intersection of technology and financial services, delivering products that combine scale, resilience, and customer-centric design.
Recognized as one of the Top 100 Women in Fintech (2024), Vishakha is known for leading industry-shaping initiatives that have transformed payment acceptance, risk management, and global money movement. Across senior product and leadership roles at Nium, Highnote, Plastiq, and Marqeta, she has driven high-impact strategies—from launching real-time payments and global direct debit rails to scaling new collections and ACH products that unlocked multi-billion-dollar market opportunities and sustained revenue growth.
Her expertise spans digital wallets and tokenization, machine-learning-driven transaction risk, smart AP/AR automation, global pay-ins transformation, and the integration of AI and advanced analytics to optimize operations and reduce fraud. At Nium, Vishakha has led global market expansion initiatives, authored proprietary research to reduce payment acceptance costs, and scaled direct debit volumes by an order of magnitude—demonstrating a rare ability to translate innovation into measurable business outcomes.
Colleagues consistently praise her “can-do” mindset, joyful leadership style, and disciplined approach to execution, qualities that enable teams to navigate complexity and deliver with excellence. Passionate about collaboration, Vishakha is driven by building products that elevate user experiences while creating durable value for businesses and partners.
Beyond her professional achievements, Vishakha values creativity, global perspectives, and continuous learning. She is multilingual, with working proficiency in English, Arabic, Hindi, and Bengali, and draws inspiration from the cultural and technological forces shaping global finance. Outside of work, she expresses herself through classical dance, salsa, and hip hop—bringing the same energy and dedication to her personal passions as she does to her professional endeavors.
Vishakha’s journey reflects a powerful blend of technical depth, strategic execution, and human-centered leadership, earning her recognition as a trusted builder and influential voice in modern fintech.
• AI Product Management
• Machine Learning Course
• University of Maryland - Robert H. Smith School of Business – MBA, Strategy and Operations
• Visvesvaraya National Institute of Technology – BTech, Engineering
• Top 100 Women in Fintech, 2024
What do you attribute your success to?
I attribute my success to a strong foundation in engineering, a passion for technology and payments, and a commitment to continuous learning and global experience. My curiosity and drive to innovate have helped me grow across diverse fintech environments.
What’s the best career advice you’ve ever received?
The best career advice I have received is, “Be careful what you ask for.” It reminds me to approach opportunities thoughtfully and with intention.
What are the biggest challenges or opportunities in your field right now?
The rapid evolution of fintech and AI presents both challenges and opportunities. Professionals who can integrate technology into payments solutions and focus on customer-centric innovation will thrive.
What values are most important to you in your work and personal life?
I value creativity, global perspective, and dedication to continuous improvement. Outside of work, I express myself through classical dance, salsa, and hip hop, which helps maintain balance and inspiration in my life.
Locations
Fintech/Payments
San Francisco, CA 94105