Michelle Brahmbhatt
Michelle BrahmbhattPayments Product Leader · Founder, Kuar Consultancy

MY WORK

Turning complex payments into better products.

Selected work across payment platforms, customer experiences, and the operations behind every transaction.

Explore my work ↓

PAYMENTS, END TO END

Understand the problem.Customer discovery & payment insights
Set the direction.Strategy, priorities & platform decisions
Deliver the outcome.Execution, launch & operational readiness

INDUSTRIES I’VE SERVED

Payments expertise across industries.

HealthcareInsuranceBanks & Financial InstitutionsPayment Providers, PayFacs, ISVs & ISOsSaaS PlatformsRetailFinancial Services

SELECTED CASE STUDY

From customer need to a complete payment rail.

A closer look at the discovery, decisions, and cross functional work behind the product.

WELLFIT TECHNOLOGIES

ACH Rail
Implementation

  1. Discovery & Validation
  2. Strategy & Prioritization
  3. Phased Delivery
  4. Outcomes & Learning

PRODUCT & PLATFORM LEADERSHIP

A lower cost way for dental practices to collect recurring payments.

How I led Wellfit’s ACH rail implementation from merchant discovery and product strategy through phased delivery, cross-functional execution, and lessons learned.

12 monthsCore platform delivery
vs. an 18 month estimate
~30%Higher ACH recurring payment conversion vs. cards
~40%Increase in recurring payment transaction count
Read the case study ↗

PAYMENTS LAB

Independent ideas under exploration.

Concepts I’m developing around payment intelligence, recurring collections, and simpler operations. These are exploratory projects, separate from my professional case studies.

Independent concept

Automated Chargeback Dispute Management

Organize dispute evidence and prepare responses for review.

Independent concept

Recurring Payment Conversion

Explore return risk signals and customer authorized alternative payment methods or dates.

Independent concept

Merchant Statement Analyzer

Help merchants understand processing fees and their effective cost of acceptance.

Independent concept

Agentic Recurring Payment Orchestration

Explore how agents can use payment and customer data to choose when to submit recurring payments and which payment rail to use, aiming to maximize successful payment completion within customer approved preferences and permissions.

Independent concept

Product Discovery & Prioritization

Connect customer problems, supporting evidence, and investment priorities.

Independent concept

Merchant Payment Health Analytics

Explore AI assisted explanations of payment performance and operational signals.

RESUME & CONTACT

Let’s talk about your next payments initiative.

I bring 14+ years across payments and product management, with hands on experience in PayFac platforms, ACH and cards, APIs, and platform modernization.

View my resume ↗hello@kuarconsultancy.comLinkedIn ↗