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Payments Business Analyst | Digital Payments | Payment Gateway | UPI | CMS Solutions | Merchant Payment Integration | Ex HDFC Bank | IDFC FIRST Bank
2+ years of experience in digital banking, cash management, and e-commerce solutions. Skilled in requirements gathering, process automation, API-enabled integrations, and stakeholder management. Adept at leveraging AI tools, analytics, and ERP systems to deliver scalable solutions, improve workflows, and drive revenue growth. Strong background in bridging business needs with technology teams to deliver customized digital solutions. Core Competencies Business Analysis: Requirements gathering, process mapping, workflow design, gap analysis, documentation Payments & CMS: Bulk Payments, Escrow, Payment Gateway, UPI, QR Collections, GST/Tax solutions Digital Banking: API Banking, ERP/Tally Integration, Maker–Checker Workflows, Corporate Onboarding Analytics & AI: ChatGPT for proposals & MIS automation Stakeholder Management: Corporate solutioning, RFPs & demos, cross-functional coordination, client relationship management
CBSE
10th
N/A – Present
Chhattisgarh Swami Vivekanand Technical University
Master of Business Administration, Marketing
N/A – Present
SIKKIM MANIPAL UNIVERSITY
B.Sc (AIT), Information Technology
N/A – Present
CBSE
12th, PHYSICAL SCIENCES
N/A – Present
SIKKIM MANIPAL UNIVERSITY
Bachelor of Science, Information Technology
N/A – Present
IDFC FIRST Bank
Payments Business Analyst
April 1, 2024 – Present
IDFC FIRST Bank
Product Sales Manager
April 1, 2024 – Present
Axis Bank
Business Development Manager Solutions
August 1, 2023 – April 1, 2024
Axis Bank
Business Manager
August 1, 2023 – April 1, 2024
HDFC Bank
Area Head
January 1, 2019 – August 1, 2023
HDFC Bank
Head of Ecommerce
January 1, 2019 – August 1, 2023
Crisil
Senior Business Development Officer
August 1, 2014 – December 1, 2018
India · On-site
Cultural Fit Analysis
The candidate has a long and consistent career path within the banking and financial services sector, specifically in payments and business development. Their experience aligns well with roles requiring strong client interaction, solution selling, and cross-functional collaboration within a structured corporate environment. The target role of 'PR and Sales Manager' aligns with their extensive sales and business development background, particularly in managing client relationships and driving product adoption. However, the 'PR' aspect is not explicitly covered in their experience, which might be a gap. The candidate's education includes an MBA in Marketing, which supports a sales and marketing-oriented role.
Soft Skills & Operational Fit
The candidate's experience descriptions highlight strong coordination and collaboration skills with various internal and external teams (product, technology, compliance, operations, CFOs, senior stakeholders). Their roles in business development and sales indicate strong client-facing and negotiation abilities. The focus on understanding merchant requirements and providing solutions suggests a customer-centric approach. The candidate's extensive experience in managing portfolios and ensuring compliance points to strong organizational and detail-oriented skills.