Manohar sharma — Business Development Executive
I am a Fintech & Digital Banking Leader with 14+ years of experience in building, scaling, and commercializing API-led financial platforms, ATM & kiosk networks, and digital banking ecosystems across India. My career has been defined by execution at scale, regulatory alignment, and sustainable revenue growth across PSU banks, private banks, fintech aggregators, and enterprise partners. Currently serving as Vice President – Business Development, I lead pan-India fintech expansion encompassing 22,000+ active retailers, 100+ enterprise partners, and ₹1,100+ crore in monthly transaction throughput. I work closely with leading financial institutions including HDFC, ICICI, Axis, YES Bank, IDFC, FINO, and NSDL to launch, scale, and optimize compliant digital banking and payment solutions. My core expertise lies in end-to-end fintech commercialization—from product design and API integration to partner onboarding, SOP creation, compliance readiness, and market penetration. I specialize in AEPS, UPI, BBPS, DMT, CBC, MATM, white-label fintech platforms, and multi-bank integration models. A key differentiator in my work is the practical application of advanced AI tools and automation. I design AI-driven workflows for reconciliation, onboarding, MIS accuracy, and decision support, helping organizations reduce operational costs, save time, and scale with precision. These systems enable faster go-to-market execution while maintaining banking-grade governance. Beyond business growth, I actively contribute to talent enablement and workforce readiness. I lead pre-training initiatives for job seekers, focusing on ATS-aligned CV structuring, role-based customization, and fintech domain readiness. By leveraging AI tools, I help candidates and organizations shorten hiring cycles, improve ATS visibility, and reduce recruitment costs, creating value for both employers and professionals. Throughout my career, I have: Delivered 2,000+ ATM and kiosk deployments Improved network uptime and reduced operational risk Built scalable API reselling and CBC models Achieved 60%+ business growth in multiple organizations Led cross-functional teams across technology, operations, compliance, and sales I am driven by one principle: fintech solutions must be scalable, compliant, and commercially viable—while empowering people and businesses to grow efficiently.
Stackforce AI infers this person is a Fintech leader with expertise in scalable digital banking solutions and AI-driven automation.
Location: Gurugram, Haryana, India
Experience: 13 yrs 4 mos
Skills
- Business Development
- Fintech Commercialization
- Kiosk Solutions Management
- B2b/b2c Merchant Acquisition
- Kiosk Solutions
- B2c Merchant Acquisition
- Atm Operations
- Client Management
- Management Information Systems
Career Highlights
- Led pan-India fintech expansion with 22,000+ retailers.
- Achieved 60%+ business growth across multiple organizations.
- Delivered 2,000+ ATM and kiosk deployments.
Work Experience
Toshani Digital
Vice President of Business Development (2 yrs 1 mo)
Toshani Premium Digital Services Pvt Ltd
National Spock Person (2 yrs 9 mos)
Regional Manager (0 mo)
Vakrangee Limited
Senior Executive ATM (1 yr 11 mos)
AGS Transact Technologies Ltd
Senior Executive ATM (6 yrs 7 mos)
