Ramkumar Subbaraj

Chief Technology Officer at Phi Commerce Private Limited

📍 Pune Division, Maharashtra, India

Ramkumar Subbaraj is the Chief Technology Architect at PhiCommerce, drawing on extensive experience in the payments domain from previous roles at Mastercard and Opus Software Solutions. He holds a certification as a Bullet Proof Manager and is an alumnus of SRM Engineering College.

His team at PhiCommerce was involved in achieving a significant industry-first certification for a card-on-file tokenization standard.

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Experience

26 Years

Current Role

Chief Technology Officer

Job Level

Leadership

Location

Pune Division, Maharashtra, India

Personality Overview

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Priorities

Topics Ramkumar cares about

Payment Technology

As a technology leader at PhiCommerce with a background at Mastercard, he is deeply involved in the architecture of digital payment and fintech solutions.

Fintech Architecture

His role as Chief Technology Architect is centered on designing and implementing scalable and secure financial technology platforms.

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Career

Work history

4-2016

Chief Technology Officer

Phi Commerce Private Limited

4-2016

Chief Consultant

Trendis LLC

1-2014 - 10-2015

Business Leader

Mastercard

10-2010 - 12-2013

Architect

Opus Software Solutions

9-2006 - 10-2010

Product Development Manager

Opus Consulting Solution

In the press

Media appearances

Startup Mantra: Pune‑based PhiCommerce ready to roll out an end‑to‑end tokenisation solution (mentions CTO Ramkumar Subbaraj). Featured in Hindustan Times

See now

Phi Commerce CTO Ramkumar Subbaraj explores the shift from AI experimentation to outcome‑driven solutions (ETCIO, 2026). Featured in Phi Commerce Newsroom

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Education

1994 - 1998

Education details unavailable

SRM Engineering College

Education details unavailable

National Higher Secondary School, Tambaram

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