Apr 2024 – Present · 2 yrs 1 mo · Remote

• NPST: Powering India's Digital Payment Backbone
• Network People Services Technologies (NPST) is a leading fintech enabler driving India’s digital payments revolution. As a UPI Technology Service Provider (TSP), NPST empowers banks, fintechs, and merchants with secure, scalable, and customizable payment solutions. From UPI and BBPS to digital onboarding and middleware integrations, NPST bridges traditional banking with next-gen digital infrastructure—fueling financial inclusion, innovation, and real-time commerce across Bharat.

Jan 2024 – Present · 2 yrs 4 mos · Remote

Jun 2023 – Mar 2025 · 1 yr 9 mos · Mumbai, Maharashtra, India · Remote

May 2023 – Present · 3 yrs · Pune, Maharashtra, India · Hybrid

Aug 2021 – Apr 2025 · 3 yrs 8 mos · Mumbai, India · Remote

• Business Correspondent Federation of India (BCFI) is an association of 60+ Corporate BC (CBC) members at national level, servicing through over 2 million Customer Service Points (CSPs) in remotest corner of Bharat. BCFI came into being with the intent of promoting responsible finance by the delivery of services to the not so privileged masses through the critical last mile route.
• BCFI is a not-for-profit organisation . Advisor to the Board of BCFI is an honorary position. https://bcfi.org.in/

Dec 2020 – Jun 2025 · 4 yrs 6 mos · Kochi, Kerala, India · Remote

• Unimoni India stands at the forefront of India’s cross-border payments and forex ecosystem, empowering customers through innovative, technology-led financial solutions that ensure speed, safety, and compliance in every transaction.

Oct 2020 – Present · 5 yrs 7 mos · Mumbai · Hybrid

• Fintech Association for Consumer Empowerment (FACE) is an RBI-recognised Self-regulatory Organisation in the FinTech Sector (SRO-FT). FinTech companies of all kinds come together at FACE to build an industry that enables customer-centric financial services that are safe, suitable, and transparent, delivering positive impacts on society and the economy.
• The FinTech community (providers, enablers, stakeholders, and others) unite at FACE to develop a nurturing ecosystem where companies and consumers responsibly participate and thrive in the digital economy.
• https://faceofindia.org
• Chairman -Governance Council of FACE is an honorary position

Jan 2018 – Present · 8 yrs 4 mos

Jan 2018 – Jun 2019 · 1 yr 5 mos · Mumbai Area, India

• CGAP (the Consultative Group to Assist the Poor)- is a World Bank Organisation . It is a global partnership of more than 30 leading organizations that seek to advance digital payments and financial inclusion.
• CGAP combines a pragmatic approach to responsible market development with an evidence-based advocacy platform to increase access to the financial services the poor need to improve their lives.

Aug 2017 – Present · 8 yrs 9 mos · Mumbai, Maharashtra, India · Hybrid

• As a Digital Payments Strategist, I specialize in driving frictionless payment experiences that align with business strategy to enhance digital adoption, revenue growth, and cross-sell opportunities. With a deep focus on innovation, financial inclusion, and responsible finance, I work towards creating scalable and efficient digital ecosystems that generate long-term value.

Aug 2011 – Aug 2017 · 6 yrs · Mumbai Area, India

May 2010 – Aug 2011 · 1 yr 3 mos · Mumbai

• Revamping of existing payment solution products and their delivery processes.
• Insuance of Prepaid cards which includes obtaining required statutory approvals, designing of product and its roll out.

Sep 2009 – Apr 2010 · 7 mos · Blantyre , Malawi

• Responsible for setting up of Retail Banking Department,
• Revamping of entire IT infrastructure,
• Introduction of virtual channels like Mobile Banking , Internet Banking and Credit Cards.

Jun 2007 – Sep 2009 · 2 yrs 3 mos

• Responsible for identifying new strategic emerging businesses by leveraging technology & existing strengths and transfer them to verticals.
• Member of Payment Solution Group, involved in rolling out Mobile Banking Services and creating Merchant Acquiring infrastructure for Card Business.

Sep 2005 – May 2007 · 1 yr 8 mos

• Headed one of largest module of State Bank Of India covering 11 districts of Vidarbha Region (Maharashtra) with 239 Branches, Assets Base of over Rs. 9,300 Crores and Net Profit of Rs. 311 Crores.
• Responsible for profit centre operations including Business Development, Service, Marketing, Micro Finance, Cross Selling, Credit and Collections within an overall administrative responsibility of operations.
• Successfully enhanced market share of SME Business by providing dedicated Relationship Managers.

Jan 2004 – Aug 2005 · 1 yr 7 mos

• Successfully developed the Debit Card and the ATM Business of the Bank.
• Significantly contributed in reaching leadership position with over 12 million debit cards and 5100 ATMs.
• Accomplished various tactical initiatives to increase spends on the cards.
• Distinction of initiating & executing various ATM sharing bi-lateral tie-ups with other banks.
• Substantially improved the product offerings by doing strategic tie-ups with various service providers.
• Instrumental in executing marketing strategies with estimated budget of Rs. 25 Crores / USD 5 million.

May 2000 – Jan 2004 · 3 yrs 8 mos

• Responsible for maintaining relationships with existing corporates and soliciting new relationships as well
• SBI Caps regional office emerged as the second largest revenue earner
• Some of the large transactions include GMDC Power project, GNFC Expansion, Adani Port, GERC etc.