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Payments Strategy & Product Leader | Transaction Banking | BBPS | Merchant Acquiring | Enterprise GTM | Fintech Partnerships
I work at the intersection of payments, transaction banking, product growth, and digital financial infrastructure, with over a decade of experience building and scaling enterprise payment ecosystems across banking and fintech. Over the years, I have worked across transaction banking, BBPS, merchant acquiring, collections infrastructure, APIs, escrow solutions, virtual accounts, and enterprise payment orchestration with organizations including IDFC FIRST Bank, Cashfree Payments, and Ingenico. My experience spans the full lifecycle of payments and banking ecosystems — from product strategy and commercial growth to compliance, operational governance, enterprise onboarding, and ecosystem partnerships. I have led initiatives across: • Transaction Banking & CMS • Enterprise Payments & Collections • BBPS & Digital Payment Infrastructure • Product Growth & Commercialization • Merchant Acquiring & Payment Orchestration • APIs & Host-to-Host Integrations • Escrow & Virtual Account Frameworks • Enterprise GTM & Strategic Partnerships • Regulatory Governance & Compliance Controls Across my roles, I have worked closely with enterprises, fintechs, aggregators, banking stakeholders, product teams, compliance functions, and technology partners to design scalable financial workflows and drive adoption across complex payment ecosystems. Some key highlights from my journey include: • Creating INR 425 Cr+ business opportunities through strategic partnerships and solution-led growth • Scaling current account balances from INR 21 Cr to INR 150 Cr • Managing enterprise payment portfolios exceeding INR 800 Cr+ • Leading growth and ecosystem expansion initiatives across BBPS and transaction banking • Driving implementation of enterprise payment infrastructure across collections, payouts, reconciliation, and treasury-linked workflows What differentiates my e
SVKM's Narsee Monjee Institute of Management Studies (NMIMS)
Master of Business Administration (MBA), Marketing
January 1, 2014 – January 1, 2016
Birla Vishvakarma Mahavidhyalaya
Bachelor of Engineering (BE), Electronics Engineering
January 1, 2009 – January 1, 2013
Shardayatan
Science, Science
January 1, 1994 – January 1, 2009
IDFC FIRST Bank
Product Manager Payments & Fintech Partnerships
October 1, 2025 – Present
Mumbai, Maharashtra, India · On-site
IDFC FIRST Bank
Relationship Manager - Corporate Liability Group (Transaction Banking Group)
March 1, 2024 – November 1, 2025
Mumbai, Maharashtra, India · On-site
Cashfree Payments
Senior Manager Growth
July 1, 2022 – March 1, 2024
Mumbai, Maharashtra, India
Zume Inc.
Customer Success Manager
December 1, 2019 – July 1, 2022
Mumbai, Maharashtra · On-site
Bizongo
Manager Client Growth
January 1, 2019 – December 1, 2019
Mumbai Area, India
OneDirect - CX Management Firm
Customer Success Manager
January 1, 2018 – January 1, 2019
Mumbai, Maharashtra, India
TechProcess Payment Services (Part of Ingenico Group)
Assistant Sales Manager, Enterprise Accounts
April 1, 2016 – January 1, 2018
Mumbai Area, India
IndustryARC
Summer Intern
April 1, 2015 – June 1, 2015
Hyderabad Area, India
Tata Consultancy Services
Assistant Trainee
February 1, 2014 – March 1, 2014
Trivandrum
CIMB Securities
November 1, 2014 – February 1, 2015
To study the adaptation trend of 3G in India for various income groups across various age groups in six cities i.e. Surat, Vadodara, Mumbai, Navi Mumbai, Pune and Nashik. A minimum o 500 responses from each of the cities was mandatory.
Coke2Home.com
October 1, 2014 – January 1, 2015
Conducted market research as a part of ConQuest 2014 to understand the consumer perception about online purchase of coca-cola beverages through Coke2Home.com for a sample size of 500+ respondents
Multi Purpose Stick for Blind person
June 1, 2012 – April 1, 2013
I• In our project we have right now worked on the sensor part which would help in detecting the obstacles indoors and alert the person. • Next we would be working on the wireless part in which we would develop such a provision for the person, that if he or she is lost then their location would be sent to the police station and also to one of their family members which would act as an warning alarm to them and they can reach out to the concerned person to help him. • For this we would be making use of the module SIM-908 in which the concepts of GSM, GPS and GPRS will be used and the additions in the project will be done accordingly • Other than this there will be a text to speech converter module which will help the person read the books. • Other than this various other facilities like keeping a check of heart beats and also use the stick to help them walk outdoors and use the concept of navigation by using the maps, by means of well defined programming and coding and a few others that can be added to this project and give this new concept a new dimension and make it much more handy and also effective.
Grofers Brand Ambassador Program :- Expand Market Consumption through Strategic Engagement with Grofers
OysterConnect
June 30, 2026 – Present
Cultural Fit Analysis
The candidate's project diversity, while not directly technical, shows an interest in market research and problem-solving. Their career progression through various roles in payments, fintech, and customer success demonstrates adaptability and a growth mindset. The roles involve significant collaboration and partnership building, which aligns with a collaborative culture. However, the target role of 'Data Analyst' is a significant pivot from their current and past experience, which is heavily focused on product management, sales, and business development in the payments domain. This misalignment suggests a potential cultural fit challenge for a purely analytical role without demonstrated technical data analysis skills.
Soft Skills & Operational Fit
The candidate's experience highlights strong capabilities in strategic planning, stakeholder management, and cross-functional collaboration. Their roles consistently involve driving growth, optimizing operations, and managing complex partnerships, indicating a good fit for dynamic and results-oriented environments. The descriptions suggest a proactive approach to problem-solving and a focus on scalable implementation.