Jul 2019 – Jan 2020 · 6 mos · Mumbai, Maharashtra, India

• Strategic initiatives around new payment flows, new product development and VAS

Mar 2017 – Jun 2019 · 2 yrs 3 mos · Bengaluru Area, India

• Led the team for building digital capabilities /platforms from scratch. Responsible for end to end digital payments (NEFT, RTGS, IMPS, UPI, Aadhar-Pay, physical mandate & eNACH, Bharat QR, Debit/Pre-paid Cards, tax-payments, bharat bill payment system, direct benefit transfer etc.), digital channels (Mobile banking, Retail/ Corporate Internet banking), Micro ATMs, POS/QR based Merchant acquiring & self-service eKYC based digital acquisition (Savings, Fixed deposits) & lending for the Bank.
• Managing Cards and Mobility platform for existing Micro-Finance / financial-inclusion business, which serves as backbone for loan disbursements/ Agency Banking. Leading the strategic payment initiatives i.e. NETC FASTag and strategic alliances in payment ecosystem.

Jun 2012 – Mar 2017 · 4 yrs 9 mos · Mumbai Area, India

• Responsible for Mobile Banking applications for retail / Wealth /Corporate customers and channel transaction performance (customers /transaction volumes), activation, acquisition & customer experience across applications. Responsible for optimal user interface/ experience on the platform with innovative & secure payment solutions on the mobile platform. Extensive exposure to customer data/ transaction security systems, , digital marketing / analytics, Social connect for Banking, QR code/ NFC based payments, Wallet and payment gateways. Deep understanding and interest in underlying processes related to IMPS, NEFT, NUUP, CTS, Mobile recharge/ utility bill payments through aggregators, Cards operations, SMS Banking, USSD,

Feb 2009 – May 2012 · 3 yrs 3 mos · Mumbai Area, India

• Managed Digital Channels i.e Mobile Banking, Internet Banking & ATMs.
• Responsible for new deployment of Self service terminals (ATMs, Cash Deposit Machines and cheque deposit kiosks) for PAN India. I am responsible for developing a high performing SST footprint under differentiated models customized to different target customer base for wide geographies PAN India.
• Played key role in launching the Bank’s total outsourced model of ATM deployment and management. From SLA finalization with approved vendors till successful deployment of more than 3500 ATMs in a year making Axis as largest ATM network in private sector banks. Played key role in outsourcing the management of Bank’s existing ATM network to Managed Service Providers for complete end to end management. Formulation and implementation of various policy guidelines for effective and efficient management. Vendor management, SLA adherence and levy of penalty for non adherence to SLAs as per the agreed TAT. Liaison with other internal departments for Reconciliation, customer disputes, IT support etc. Monitoring of the site-maintenance, Uptime of the ATMs through various applications and tools

Apr 2008 – Jan 2009 · 9 mos · Delhi

• Handled Trade and non-trade Relationships of Premium SME clients of Delhi NCR

May 2007 – Mar 2008 · 10 mos · Delhi

• Handled acquisition of Current accounts, SEG Fixed Deposits, Float and TradeFfee income of a cluster of Branches in North-West Delhi and Gurgaon. Also taken care of Capability Building in Branches in terms of operations related SME clients.

Sep 2006 – Apr 2007 · 7 mos · Delhi

• Handled 22 Branches of NCR-Delhi for media and brand communications. Took care of institutional relationship of the Bank apart from representing Bank at Different forums

Dec 2004 – Aug 2006 · 1 yr 8 mos · Pune, Maharashtra, India

• Managed Sales, Credit, Recovery and operations for the Pune Branch for Mortgage products including Home -Loan, Loan Against Property / Rentals, Project Finance and Deposit.