Dec 2021 – Apr 2023 · 1 yr 4 mos · Bengaluru, Karnataka, India · On-site

• Understood the challenges in the B2B sector. Took bbKhata as a project for solving credit issues with a success metric of increasing ACV & and making the credit journey completely digital.
• Collaborated with Juspay and BNPL companies to devise strategies for leveraging BNPL options for customer acquisition and engagement and integrated Simpl, Paytm Postpaid, LazyPay, TATA BNPL on the platform which contributed to 28 crores of sales per month.
• Implementation of RBI guidelines on Tokenization. Enabled & deployed new Offer engines of payU on bbdaily, bbinstant etc after testing it end to end completely with all velocity checks and possible scenarios. Moved the entire payments traffic to Repeat token flow.
• Took end-to-end ownership and introduced and enabled payments stack in our new B2B App - bbSaathi and made it seamless by covering all use cases.
• Monitored the Success Rates for our payments stack for all modes and maintained it above 85%.

Mar 2021 – Nov 2021 · 8 mos · Bengaluru, Karnataka, India · On-site

• Responsible for the relationship management of the Key Billers like IIFL Finance, DMI Finance, Ujjivan Bank, AU Bank, ZestMoney, MoneyTap etc.
• Growing the accounts by product cross-selling and up-selling and running campaigns which creates awareness and educate the borrowers about BBPS.
• Coordinating with Multiple departments internally like Support/Ops, Product & Tech and streamlining the processes in order to serve the clients & grow the business.
• Actively working on WhatsApp Banking product and making a lender life easier in loan repayment EMIs journey by deploying the collections bot on their flow.
• Key Responsibilities include the management of Managing Alliances with PhonePe and increasing Revenue.
• Scheduling Quarterly Business Reviews with Key Accounts every quarter and discussing business and ways to catalyse growth to drive more business.
• Establishing strong relationships with the billers to mitigate the risk of churn which resulted in significant growth at Setu.

Oct 2020 – Mar 2021 · 5 mos · On-site

• Responsible for Managing Relationships with Key Accounts like Cred, Dunzo, Delhivery, Okcredit, BigBasket, DLocal etc.
• Anticipate Key Account Changes and put in strategic plans to yield better client results.
• Managing and Growing Key Accounts to maximize growth & achieve mutually beneficial goals.
• Focus on Incremental GMV to the existing Portfolio by product Fitment Cross Sell/Up sell.
• Adept at cultivating, managing & leveraging client Relationship.
• Ensuring that opportunities are addressed, and deals are closed without any delays.
• Coordinating with Multiple departments internally like Support/Ops, Product & Tech and streamlining the processes in order to serve the clients & grow the business.
• Garnering Relationships with Banks like CITI Bank, AU Small Finance Bank, Catholic Syrian Bank, UCO Bank, Cosmos Bank, Bharat Bank, Fincare Small finance Bank, Suryoday Bank.

Jan 2020 – Oct 2020 · 9 mos · On-site

• Retention of SME Accounts by proactively identifying pain points and solving them swiftly.
• Ensuring a high degree of Responsiveness and ownership to minimise escalations and maintain service recovery.
• Revival of the SME Accounts which has got churned.

Jun 2019 – Jan 2020 · 7 mos · Bengaluru, Karnataka, India · On-site

• Profile includes to managing Banking & Checkout Alliance portfolio like trending mode of payments in industry.
• Key focus on better rollout of these payment methods across our merchant base and manage day to day activity to increase GMV.
• Working on new leads through Bank Referrals and Bank Programs by Bank of Baroda, Canara Bank, CSB Bank etc.
• Increasing GMV and achieving Revenue Targets.
• Key Clients include names like Google Pay, PhonePe, Amazon Pay, Ola Money, Airtel Money, Early Salary, Zest Money, Flexmoney, Mobikwik, Freecharge, ePayLater etc.
• Onboarding of Banks Sourced Lead and Relationship Management.

Jun 2018 – May 2019 · 11 mos · Bengaluru, Karnataka, India · On-site

• Facilitating and forging relations with banking partners by taking end-to-end ownership of the pipeline from handling commercial negotiation to after sale profitability.
• Pricing negotiation: Maximize profits by reducing bank buy rates. Indigo, MTNL, Karvy, CRED etc. are few of the merchants where I handled pricing negotiations.
• Profitability analysis: Identify loss making merchants and re-negotiate pricing implied by the banking partners. This reduced GMV loss for Razorpay significantly.
• Strategic alliances: Handling banking operations and banking/Partners relationships, enabling different modes of payments for merchants by negotiating with banking partners and a regular meeting.
• Track and ensure agreed transaction volumes are routed through the respective acquiring partners. I over saw the process of routing INR 600 Cr. to HDFC within a time line of 1 month.
• Process Streamlining: Increase operational efficiency by setting new process on both, Razorpay and bank ends. This led to minimize manual errors, losses and delays.
• Maintaining TAT for terminal assignments.
• Managed Routing Logic for the key merchants ensuring business is not getting affected.
• Allocating MCCs for complicated business models.

Jun 2017 – Jul 2017 · 1 mo · New Jalpaiguri

• I was Intern at LEA Associates South Asia PVT LTD. The Project was under National Highways Authority of India. During the tenure of my internship I was involved with the team of highway engineers and given exposure to the construction of roads, materials Engineering, Bridges/ Structures, Quality Assurance etc.