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Payments Digital Transformation Payment Gateways & Aggregators UPI Card Net Banking BBPS Wallets UPI Integration Open Banking & APIs Switch & Routing Cross-Border Merchant Acquirers Banking Alliances & Partnerships
A Payments digital transformation business leader with 12+years’ experience in Payments Digital Transformation ,Payments System & Design ,Payment Gateways & Aggregators ,UPI Cards Net Banking BBPS Wallets UPI Integration ,Open Banking & APIs ,API-driven payment flows ,Payment Switch & Routing Cross-Border Payments ,Tokenization & PCI-DSS ,Fraud & Risk Mitigation ,Merchant Acquirers & Onboarding Business Growth KYC AML ,Fintech B2B Business Development ,Banking Alliances & Partnerships Expertise in optimizing payment systems, improving transaction security, and enhancing customer experiences. Strong technical skills combined with an understanding of financial systems, cards, UPI payments with merchant onboarding KYC, AML and risk management and to analyze payment data, identify trends, to implement SAAS based innovative solutions for web and mobile payments in compliance with industry regulations
Institute Of Management Technology
Master of Business Administration (M.B.A.), International Banking and Finance
January 1, 2008 – January 1, 2010
Chaudhary Charan Singh University
Bachelor's Degree, Business/Commerce, General
January 1, 2000 – January 1, 2003
Ingraham Institute English School
High School, Arts and Commerce
January 1, 1984 – January 1, 2000
Fino Payments Bank Ltd
Associate Vice President
April 1, 2025 – Present
India · On-site
Paytm
Head Banking Operations (Payment Gateways , UPI , CC , DC , NB EMI )
August 1, 2023 – May 1, 2024
Noida, Uttar Pradesh, India · Hybrid
NTT DATA Payment Services India
Regional Manager Enterprise Payment Partnerships
May 1, 2022 – May 1, 2024
India
Easebuzz
Senior Business Development Manager (Enterprise Partnership & Alliances Payment Aggregators)
October 1, 2021 – March 1, 2022
India
Paytm Payments Bank
Enterprise Account Manager Partnership & Alliances
May 1, 2019 – August 1, 2021
Noida Area, India
Axis Bank
Manager NRI Banking & Wealth Management
February 1, 2016 – June 1, 2018
New Delhi Area, India
YES BANK
Accounts Manager Wealth Management
September 1, 2015 – January 1, 2016
Delhi
HDFC Bank
Accounts Manger Wealth Management
March 1, 2013 – April 1, 2015
DELHI
Mashreq Bank
Business Development Officer
June 1, 2010 – April 1, 2012
Dubai, UAE
Certification In Computing
Indira Gandhi National Open University
June 30, 2026 – Present
Payment Gateway Models and Business Strategies: Fintech
Noble Work Foundation
June 30, 2026 – Present
Higher Diploma In Software Engineering
Aptech
June 30, 2026 – Present
Cultural Fit Analysis
The candidate's career trajectory shows a consistent focus on the financial services and fintech industries, with roles in major banks and payment companies. This specialization indicates a strong cultural alignment with organizations in this domain. The diversity of roles, from wealth management to heading banking operations and strategic partnerships, demonstrates adaptability and a broad understanding of the financial ecosystem. The target role of 'Software Engineer' is not directly aligned with the candidate's extensive experience in business development, operations, and management within finance, which primarily involves non-technical leadership and strategic functions. This creates a significant mismatch for a direct software engineering role.
Soft Skills & Operational Fit
The candidate's resume highlights strong leadership, team management, critical thinking, problem-solving, and communication skills. Their experience in managing alliances and partnerships, along with a focus on operational excellence and process streamlining, suggests a good fit for roles requiring strategic thinking and stakeholder management. The descriptions indicate an ability to work in fast-paced, dynamic environments within the financial technology sector.