Nikhil Kunwar

CEO

Gurgaon, Haryana, India16 yrs 1 mo experience

Highly Stable

Key Highlights

14+ years in Fintech and Mobility sectors.
Expert in NCMC implementation and digital payments.
Strong product mindset focused on execution and user adoption.

Stackforce AI infers this person is a Fintech professional with expertise in digital payments and transit solutions.

Contact

Skills

Core Skills

PaymentsProduct ManagementNcmc

Other Skills

TransitStrategic PartnershipsStrategic AlliancesBusiness StrategyPricingTeam ManagementTransit OperationsAFCPoint of Sale (POS) SystemsFinTechContent ManagementInternet StrategyCustomer InsightMobile InternetMarket Planning

About

Fintech & Mobility professional with 14+ years of experience across digital payments, urban mobility, and transit ecosystems. Currently driving strategic initiatives at Paytm. I bring deep domain expertise across both issuer and acquirer sides, enabling full-stack thinking from product design to partner execution.—enabling seamless, Contact/Contactless,transit solutions across India. My expertise spans Digital Payments, NCMC implementation, QR/EMV payments, AFC integrations, and building partnerships with government agencies, OEMs, and regulators. I bring a strong product mindset with a focus on execution, ecosystem alignment, and user adoption. Key Areas: * Business & Product Strategy * NCMC Enablement | QR / EMV / Tap & Pay (Metro, Bus, Toll, Parking, Smart City) * Project evaluation and making a Business Case * Product Strategy | GTM | Business Partnerships * Interoperability & Device Integrations (Attended/Unattended) Passionate about building future-ready payment ecosystems that power Digital India.

Experience

16 yrs 1 mo

Total Experience

3 yrs 1 mo

Average Tenure

1 yr 11 mos

Current Experience

Paytm

6 roles

Associate Vice President

Promoted

Jun 2025 – Present · 10 mos

NCMCPaymentsProduct ManagementTransitStrategic Partnerships

General Manager

Promoted

May 2024 – Jun 2025 · 1 yr 1 mo

O2O-Brand Alliances l Program Lead-Hyperlocal Deliveries

Mar 2020 – Nov 2021 · 1 yr 8 mos

O2O Brand Alliance Lead for multi category.
Program Manager for Groceries Hyper-Local project
Working on product and process solution for the program
Building supply for Hyper-local deliveries
Handling Brand monetization in co-ordination with Paytm Ads Team

AGM - Automobiles & Category Lead for Services

Aug 2019 – Feb 2020 · 6 mos

Spearhead brand alliances, sales, product improvement, defining storefront attributes, commission structure and growth while managing a team of 5.
Worked with brands on offline GV and Online business model while setting up onboarding flow, customer journey etc.
Played lead role in Hyundai RFP for their Loyalty App development and Signing up Loyalty Partners
Managed relationship with Honda, Suzuki & Hero MotoCorp for 2Ws
Aligned relationship with Mahindra, Maruti, & Ford for 4Ws
Worked with Pitstop, Go Mechanic , Gulf Oil as service partners

O2O Project lead - Mobiles Category

Sep 2017 – Jul 2019 · 1 yr 10 mos

Head the Mobiles Offline-to-Online business to reduce transit period and optimize spends. Building connect & engagements with brands and retail chains like Samsung Apple, Vivo , Oppo etc for O2O business
Led Samsung O2O project end to end – clocked 40 million annual GMV
Developed business strategy including price segmentation, product portfolio, marketing strategy and Go To Market for Exclusive Launch of Samsung Handsets on Paytm
Awarded the Employee of the Year on Annual Day program.

Senior Category Manager (Mobiles Project lead & Growth) | Paytm Mall

Jun 2014 – Aug 2017 · 3 yrs 2 mos

Managed Mobiles category with 2 bn/ month GMV & a promotion budget of 1.5 mn while leading a team of 5.
Lead Product integration for Extended Warranty , IMEI Validation , Affordability & Buy Back Process.
Devised Digital Marketing Strategy and Optimized Spends.
Focused on user acquisitions in accordance with set KPIs such as Daily/Monthly Active Users on category , NM, NPS etc

Paytm payments bank

General Manager

Mar 2021 – Apr 2024 · 3 yrs 1 mo · Noida, Uttar Pradesh, India

Setting and scaling up the NCMC transit card business
Responsible for driving partnerships, devising strategies and ensuring implementation for various NCMC projects across regions.
Working on product and process solutions for the program across - Card issuing, Payment acceptance, Money remittances, Compliance and more

Product ManagementStrategic AlliancesBusiness StrategyPricingTeam ManagementNCMC+3

Ibibo group

Assistant Manager- Category Management

Nov 2010 – Jun 2014 · 3 yrs 7 mos

At Ibibio helped launch the mobile and devices category for its E com portal Tradus.com in a short span of 4 months by signing up 30+ brands and websites to partner and sell on Tradus.- Assistant Category Manager for Digital (Mobiles, Home Appliances)
Overall responsibility of Buying & Sourcing which involved New Seller/Distributor acquisitions & enrollment along with commercial negotiation
Designing customer centric promotions based upon trend analysis
Relationship management with direct Brands/Distributor to ensure strong sourcing and procurement & margins
Responsible for overall team co-ordination and contribution to category growth
Analysis on sales numbers and projections

Timtara.com

Category Owner- Mobile Category

Dec 2009 – Nov 2010 · 11 mos

Instrumental in conceptualizing and launching www.timtara.com, an ecommerce start-up, with the key team members. Successfully signed and bought 50+ merchants on board after all negotiations. Played a pivotal role in devising the SOP’s , back end operating panel , Website User Interface , Marketing plans , CRM and warehousing facility, etc.

Infosecure consulting pvt ltd

Category Owner

Nov 2009 – Nov 2010 · 1 yr

Played Key Role in Website development, OMS, seller & logistic panel creation
Responsible for identifying new features & communicating them to technology team & implementation
Responsible for identifying fast moving SKUs & its inventory management
Associated with the team since inception, instrumental in developing and standardization of processes
Making reports, analysis and publishing them to respective categories for better decision making
Officiated as Category Owner for IT and Electronics, Mobiles & Consumer Electronics