Jan 2024 – Present · 2 yrs 2 mos · Mumbai, Maharashtra, India

• PocketATM is a pioneering fintech startup transforming cash circulation through a unified platform for hyperlocal liquidity management and digital payment solutions tailored for banks. Our ecosystem is designed to digitize India’s cash economy—one transaction at a time.

Jun 2010 – Jan 2024 · 13 yrs 7 mos · Mumbai Area, India

• WRITER SAFEGUARD P LTD (WSG) - | Integrated Cash Management & Payment Solutions Company |
• Transformed Writer Safeguard to one of the leading players in the industry, growing the business 8x+ during my 14 year tenure, culminating in the successful sale of the business in Jan '24.
• Lead end-to-end operations, compliance and corporate governance while driving business performance. +7500 employees, +100 branches, +1400 locations across India.
• ● Drove holistic transformations including enterprise-wide digitalization, new technology development, and a high-performing management team development with optimal retention rate.
• ● Boosted 8x+ revenue growth with top quartile operational efficiencies
• ● Recognized for my industry influencer role, visionary leadership and ability to drive sustainable business growth in the service industry.
• ● Built and nurtured an exceptional team fostering a culture of excellence, innovation and client centricity.
• ● Launched a greenfield Payment Services Business (Brown Label ATM & Managed Services) in 2014, contributing to ~ 25% of revenues.

Sep 2007 – Nov 2009 · 2 yrs 2 mos · Mumbai Area, India

• Euronet (EEFT-NASDAQ) | A global provider of electronic payment and transaction processing solutions for financial institutions, retailers, service providers and individual consumers.
• Spearheaded overall business operations in India involving risk/fraud mitigation, service delivery, controls, compliance, and new program development. Oversaw all support requirements for operations functions across Middle East & China.
• ● Delivered best-in-class customer experience with top QOQ operational efficiencies and service delivery
• ● Revamped the organizational structure, driving end-to-end process orientation, digitalization, and innovation in operations
• ● Fronted the audits conducted by the PBOC and PCI DSS authorized firms which resulted in Euronet being certified
• ● Served as the whole-time director on the Board of Euronet India

Feb 2004 – Sep 2007 · 3 yrs 7 mos · Gurgaon, India

• Oversaw the remote banking network operations including ATM & Kiosk self-service channels across India from a customer, internal and regulatory perspective.
• ● Deployed a cutting-edge self-service kiosk banking platform
• ● Expanded ATM network footprint by 2x within 24 months as one of the fastest-growing ATM networks for any multinational bank in India
• ● Championed the ATM switch migration project as business lead, which delivered cost savings in excess of 20%
• ● Delivered 15% cost savings to the Bank and 5% improvement in operational efficiencies by designing and implementing an outsourcing model for the entire front-end ATM operations with an external service provider

Oct 2002 – Jan 2004 · 1 yr 3 mos

• Responsibility on a national basis for the Proprietary Sales Force – a sales and distribution channel comprising of American Express employees, for sales of premium card products across the affluent and emerging affluent customer segments in India. This was the single largest in-house customer acquisition channel for American Express in the region.

Jul 2001 – Oct 2002 · 1 yr 3 mos

• Responsible for achievement of the regional sales targets for Consumer Card products for the Bank in South India through the Direct Sales Associate Network and the Regional Proprietary Sales Force

Dec 2000 – Jul 2001 · 7 mos · Chennai Area, India

• Responsible on a national basis as the Business Manager for the ATM network of the Standard Chartered Group in India. With the take over of ANZ Grindlays Bank by the Standard Chartered Group, the process of formulating an integration plan and implementing the merger of the two entities commenced in July 2000. I was appointed to this position in Dec 2000 and was responsible for the ATM Channel of the combined entity in India and was also the Business Lead for the progressive integration of the ATM networks.

Apr 2000 – Dec 2000 · 8 mos

• Responsible for ensuring the successful launch of the Visa Electron debit card program for the Bank in India and thereafter accountable for achieving targeted growth and managing the profitability of the product.
• The job involved development of the business management model, definition of core business propositions, user testing, project monitoring, implementation of support structures, designing and implementing the accounting framework to accurately record and monitor channel/product income and costs and ensure that customer service standards as defined are being met through various internal support structures.

Jan 1998 – Apr 2000 · 2 yrs 3 mos

• Responsible for achievement of the regional sales targets for retail asset products (personal loans and corporate employee loans-PERKZ) for the Bank in South India, both through direct selling and the DSA Network.

Apr 1997 – Dec 1997 · 8 mos

• Responsible for achievement of the regional sales targets for card products for the Bank in South India, through the DSA Network.

Nov 1996 – Apr 1997 · 5 mos

• Responsible for achievement of the sales targets for card products for the Bank in the city of Bangalore.

Dec 1994 – Nov 1996 · 1 yr 11 mos

• Responsible for managing the regional delinquency portfolio and fraud control, provisioning and monitoring slippage of the overall card portfolio.

Nov 1993 – Nov 1994 · 1 yr · Bengaluru Area, India

• Part of the start-up team of newly set-up Credit Card Business of Standard Chartered Bank in India. Involved in a range of activities from accounting, financial interchange settlement (Visa & MasterCard), administration, managing quasi - correspondent Banking relationships, budgeting, costing, business analysis & support.