Ripunjai Gaur

CEO

Gurugram, Haryana, India19 yrs 11 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Led Paytm's offline payments to high growth.
Successfully launched Soundbox and EDC solutions.
Expert in scaling merchant acquisition strategies.

Stackforce AI infers this person is a Fintech leader with expertise in offline payment solutions and merchant acquisition strategies.

Contact

Skills

Core Skills

Operations ManagementP&l ManagementProduct InnovationBusiness DevelopmentProduct StrategySales Management

Other Skills

Merchant GrowthCross-functional Team LeadershipMerchant AcquisitionDevice AdoptionMonetizationMerchant ServicesProduct DevelopmentMarket AnalysisRevenue GenerationKey Account ManagementCustomer RetentionBusiness PlanningExecutive ManagementSales ProcessesMarketing Strategy

About

Paytm’s offline payments business today reaches millions of merchants across India, powered by a field force and products spanning QR, Soundbox, EDC, and EMI. The early years were about proving a model that had no precedent in India. One region at a time, one merchant relationship at a time, the foundations were laid — distribution networks, merchant trust, and operating systems built from scratch in markets where nothing was guaranteed. As the business found its footing, the work shifted to building the commercial engine at scale. New geographies, new merchant segments, and new product categories were added year after year. By the time the 0-to-1 phase of offline merchant payments began in earnest, there was already a playbook — imperfect, but real. The VP and SVP years were about turning that playbook into a machine. Product strategy was defined, distribution models were tested, and the early architecture of what would become one of India’s largest merchant payment networks was put in place. As Chief Business Officer, the business entered its high-growth phase. Soundbox was launched and scaled into a category of its own. EDC expanded across merchant segments. City-level GTM models were built that could operate independently at scale. Cross-functional teams across sales, operations, product, and technology were aligned around a single mission. Today, as COO, the focus is on making that scale durable — P&L ownership, operating rhythm, merchant growth, and the governance that holds a large, distributed organisation together across thousands of towns and cities.

Experience

Paytm

6 roles

COO – Offline Payments

Promoted

Jun 2025 – Present · 9 mos

Currently responsible for end-to-end acquiring , operations and performance of Paytm’s offline payments business, with a focus on scale, sustainability, and execution excellence.
My role involves strengthening operating models across merchant acquisition, distribution, device-led payments, and lifecycle management, while working closely with product, technology, risk, and compliance teams to ensure scalable growth.
Key focus areas include:
Overall P&L ownership and business performance
Operating rhythm across large on-ground sales and service organizations
Scaling merchant platforms (QR, Soundbox, EDC, and EMI)
Improving efficiency, governance, and unit economics at scale

P&L ManagementOperations ManagementMerchant GrowthCross-functional Team Leadership

Chief Business Officer - Offline Payments

Promoted

Jun 2021 – Jun 2025 · 4 yrs

Led the business build-out and expansion of Paytm’s offline payments vertical during a high-growth phase, spanning merchant acquisition, device adoption, and monetization.
This phase involved translating product innovation into large-scale field execution, designing distribution strategies, and building merchant-centric growth engines across cities and segments.
Key contributions:
Scaled offline merchant acquisition and activation across India
Led launch and growth of Soundbox, EDC, and merchant voucher platforms
Designed city-level expansion and GTM models
Built and led large cross-functional teams across sales, ops, and product
Strengthened merchant retention and win-back frameworks

Product InnovationMerchant AcquisitionDevice AdoptionMonetizationBusiness Development

Senior Vice President

Promoted

Apr 2019 – Jun 2021 · 2 yrs 2 mos

Focused on product innovation and early-stage business building across Paytm’s merchant payments ecosystem, with an emphasis on creating solutions that could scale through offline distribution.
This role involved working closely with engineering, design, and business teams to translate merchant pain points into practical, scalable products, while keeping distribution economics and on-ground execution in mind from day one.
Key areas of work included:
Defining product strategy for merchant payments and device-led solutions
Early development and positioning of products such as Soundbox and merchant engagement platforms
Shaping product–distribution fit, ensuring solutions worked at last-mile scale
Partnering with GTM and operations teams to support early rollouts and adoption
Building feedback loops between merchants, field teams, and product development
This phase laid the groundwork for several platforms that later scaled through Paytm’s offline payments business, and it helped bridge product thinking with large-scale execution, which became central to my subsequent roles.

Product StrategyProduct DevelopmentMarket AnalysisProduct Innovation

Vice President

Promoted

Apr 2017 – Mar 2019 · 1 yr 11 mos

Led 0 to 1 Payments product strategy & business growth for offline Merchants

Business Head

Promoted

Feb 2012 – Mar 2017 · 5 yrs 1 mo

Regional Head

Aug 2009 – Feb 2012 · 2 yrs 6 mos

Avaya

Account Lead- Service Provider

Aug 2008 – Aug 2009 · 1 yr · Gurugram, Haryana, India

Revenue Generation & Key Account Management
Led the management of top-tier accounts in the North region, including Airtel, Aircell, Uninor, and MTS.
Achieved a monthly revenue of over INR 200+ Cr on a quarterly basis. •
Continuously monitored market dynamics, competitor activities, and industry trends to identify new opportunities for revenue generation and strategic account growth.

Revenue GenerationKey Account ManagementSales Management