Jan 2024 – Present · 2 yrs 2 mos · Bengaluru, Karnataka, India · On-site

• Joined as part of founding team & currently leading Amazon Pay India as CEO. Serving on the board of Amazon Pay India Pvt Ltd and Amazon Finance India Pvt Ltd. Driving Amazon Pay's strategic vision and execution and industry-wide thought leadership with regulators, government, and media.
• Some of the noteworthy accomplishments include:
• 1. P&L and scale leadership: Built Amazon Pay India business from scratch and grew to INR 2,100 crores ($250M+) in revenues in FY 24-25. Demonstrated proficiency in driving products from 0-to-1 and 1-to-100 lifecycle stages
• 2. Product Innovation:
• Pioneered India's first co-brand (Amazon Pay ICICI card) with unlimited rewards and digital journey, fastest growing and largest (#1), and driving Rs. X lacs crores in sales volumes and Rs. XXX crores in profits
• Built leading BNPL program (Amazon Pay later) with 1 crore+ users (#1 player) and Amazon pay wallet (Amazon Pay Balance) with 6 crore+ users (#2 player)
• Developed B2B and retail gift card solutions (#1 player) and grew to INR XX thousand crores in sales volumes and INR XXX crores in profits. Built high performing sales team and executed innovative GTM to accelerate growth with large enterprises and MSMEs
• 3. Market expansion: Expanded into high margin lifestyle categories by launching Amazon Travel (Flights, hotels, trains, bus) and Amazon Movies. Led Amazon Pay foray into financial services with Consumer loans, SMB lending, Car and Bike Insurance.
• 4. Regulatory and compliance: Led securing regulatory licenses incl. Payment Aggregator, UPI TPAP, Prepaid (PPI), Insurance and NBFC.
• 5. Ecosystem development: Led Amazon investments and partnerships with the leading fintech and payment brands including Pine labs, Axio, Acko, Small case, Kuvera etc.
• 6. Talent: Built high performing team focusing on serving customers and living our Day 1 culture and leadership principles

Jan 2016 – Jan 2023 · 7 yrs · Bengaluru Area, India

• Own setting strategic direction, product development/tech, P&L, business growth, partnerships and marketing for 1) Payments Processing (Payment Aggregator), Payment Products (Wallet, UPI, Pay later, Credit card), 2) Gifting 3) Travel & Lifestyle (Flights, Bus, Trains, Hotels, Movies) and 4) Financial services (Consumer lending, SMB lending, Insurance and wealth management) and 5) External Merchants (online and offline). Leverage the power of customer backward approach, product design, scalable tech platform, and low cost distribution models to build and scale businesses profitably.

Jan 2015 – Jan 2023 · 8 yrs · Mumbai, Maharashtra, India

• Part of UPI steering committee of NPCI to drive product innovation and adoption. Member of Fintech Convergence Council of IAMAI to steer financial services inclusion in India.

Jan 2014 – Jan 2016 · 2 yrs

• Fiserv, Inc.(NASDAQ: FISV) ('13 Rev:$4.8Bn) is a leading provider of integrated technology and services for 14,500+ clients worldwide, including banks, credit unions, billers, and other clients.
• Driving strategic direction, business line growth , solution set expansion and product roadmap of Credit processing business (Private Label, Bank card including Consumer/Small Business/ Commercial segments) with more than 6 million accounts. Managing P&L and overseeing Product, Sales & Solutions Consulting and Credit Advisory teams.
• More than doubled new sales ($69M) through improving product value proposition, value based pricing, and unique Go-to-Market approach. Drove exceptional business growth; customers base grew 48% and revenue grew 27% YOY. Expanded Fiserv's credit market presence through speaking engagements and thought leadership articles in leading publications such as American Banker, CU Times, BAI Banking Strategies etc.

Jan 2011 – Jan 2013 · 2 yrs

• Manage overall business including partnerships, product management and P&L for most innovative product lines of the company. Deliver solutions for payment products (Credit, Debit, Small Business & Prepaid) covering over 150M customers.
• Led 5+ initiatives with over $50M in new revenue. Developed and managed strategic partnerships to expand offerings and tap new markets e.g., Allianz, ACE group, US Bank, AXA. Built marketing strategies and significantly improved channel performance.

Jan 2010 – Jan 2012 · 2 yrs

• Served Credit lead for key accounts which generate $250M+ revenue for the company. Developed and executed product/ marketing strategies and new partnerships that led to solid growth and business performance.
• Delivered stellar growth of 13%YOY for Visa/Chase (vs industry growth of 6-7%). Successful new partnership and renewals with top airline, hotel and eCommerce brands with bottom line impact of $80M+. New credit product launch of United Mileage Plus, Fairmont Visa Signature etc. Expanded relationship with regional banks and group processors.

Jan 2005 – Jan 2010 · 5 yrs

• Delivered substantial revenue growth opportunities e.g., early customer engagement, loyalty points bonusing, product upgrades. Developed strategic roadmap incorporating existing book, new initiatives & macro/ competitive environment. New partnerships with major retail and investment services company and leading credit union with pre tax income of $24M+. New premium credit products in international markets. Accelerated business growth by developing strategy for emerging products/ players (e.g., PayPal, Mobile). Oversaw $1.2Bn expense base and managed expenses within plan. Built highly talented team of 7 employees.

Jan 2000 – Jan 2005 · 5 yrs

• Served on internal consulting group to CEO/ CFO on company-wide strategies and business transformation initiatives. Developed product cross selling and customer servicing strategy for US Card business. Defined new operational model for AEFA business that led to cost saves of $52M. Led 10+ initiatives with substantial bottom line impact.

Jan 1995 – Jan 2000 · 5 yrs

• Identified and executed consulting and assurance assignments for clients such as Siemens, HCL Comnet, GE, Nestle, Adidas, Hindustan Lever etc.