May 2022 – Jan 2025 · 2 yrs 8 mos

• Etched PayU's growth story from Jan 2020 till January 2025. Build businesses like affordability , Scaled Enterprise , International , BBPS and SMB and government businesses by 5X. Created teams like Banking Alliance and Banking Product and made them the corner stone of the Organisation. Reorganised Tech Ops to ensure PayU becomes a merchant first org. Rebuilt Marketing to ensure that PayU becomes a preferred name with the merchants and conveys the right brand values to its merchant and customer community and finally very proudly nurtured one of the best teams in the fintech ecosystem.

Jan 2020 – Jun 2022 · 2 yrs 5 mos

Jun 2019 – Jan 2020 · 7 mos

Jul 2017 – Jun 2019 · 1 yr 11 mos

Apr 2016 – Jul 2017 · 1 yr 3 mos

Nov 2014 – Mar 2016 · 1 yr 4 mos

• Managing the national accounts portfolio of RS 20 billion per annum and Consumer durable finance business. I also lead the regional team of for north and central for credit cards

Mar 2011 – Oct 2014 · 3 yrs 7 mos

• Regional Business leader for Cards and Acquiring. NCR, Rajasthan, Haryana, MPCG , UP , Gujarat , Bihar and Jharkhand. Spearheading Sales , distribution and channel management ,Portfolio. The business dimensions comprise of portfolio size of 9000 crs , 25000 merchants, ENR of 6000 crs and card base of 1 million. Team size of 800 people .
• Core deliverable is : Business and Income growth, Portfolio quality, Distribution and sales management and team hiring and development and skill set enhancement.

May 2008 – Feb 2011 · 2 yrs 9 mos

• Regional Business leader for Acquiring for North and East. The largest region for the business comprising 9 large states and 6 smaller eastern states. Portfolio size of more than 8000 crs and 30,000 machines. Leading the Sales, Portfolio and Service team for the business.

Nov 2006 – May 2008 · 1 yr 6 mos

• Managing a Portfolio Size of 2000 cr of ENR and 800 cr of retail spends. 75% of the customer base was classic portfolio. Core KRA included improving retail spends, ENR growth, term products cross sell, control run off, upgrades, cost reduction, promotions and customer communication.
• Lead the launch of life and non life insurance products through credit cards. It is one of the significant income driver for the business.

Dec 2004 – Nov 2006 · 1 yr 11 mos

• The most significant growth phase of the business and heading all the verticals i.e Branch, Telesales, FOS and Alternate channels. Lead a team strength of 1200 FOS and 300 telecallers and 20 channel partners. Core deliverable were Sales , productivity and cost , product mix, cross sell, new locations launch, channel management, portfolio activity through telesales.

Dec 2003 – Dec 2004 · 1 yr

• Core team member for the launch of personal loan for high net worth segment ( A). Sales Role out across Western India market. Business development , channel management , FOS management, Team hiring and development, revenue and cost management , Cross Sell, portfolio mix and attrition.

Sep 2002 – Dec 2003 · 1 yr 3 mos

• Core Team member of the mortgage business launch for GE Money. Drafted the business strategy for the launch and then lead the sales function for North. Hiring , team development , Creating multiple distribution channels , Marketing , Revenue line management.

Mar 2001 – Sep 2002 · 1 yr 6 mos

• Area Head for Personal Loans, Auto Loans, Consumer Durable, Two Wheeler Loans. Core KRA was Increase market share and profitability, Channel management of different business, cost , sales efficiency, business development and team management

Aug 2000 – Mar 2001 · 7 mos

• Product Manager for the consumer durable business . Most significant experience in impacting the P&L for a thin margin business by leveraging tie ups, impacting fee lines and better product and portfolio management. Core KRA involved , improving profitability, reducing operational cost, Client management, product promotions, new location launches, marketing, business development.

Oct 1999 – Aug 2000 · 10 mos

• Product manager for the Consumer Durable finance . Large and critical new business tie ups with companies leading to market leadership in consumer durable finance.

Oct 1998 – Sep 1999 · 11 mos · New Delhi Area, India

• Business Manager Auto Loans for Delhi. Responsible for sales and underwriting.