Rukhsar Khan

CEO

Mumbai, Maharashtra, India27 yrs 6 mos experience

Highly Stable

Key Highlights

Over 26 years driving innovation in banking and fintech.
Built integrated platforms for credit and payments.
Focused on sustainable growth and operational resilience.

Stackforce AI infers this person is a Fintech expert with a strong focus on scalable financial solutions and strategic partnerships.

Contact

Skills

Core Skills

Scalable Fintech EcosystemsInnovation ManagementDigital Lending At ScaleProject GovernanceRisk GovernanceStrategic PartnershipsCredit Risk ManagementSmall And Medium-sized Enterprises (sme)P&l ManagementSme BankingOperational Risk ManagementFinancial AnalysisSales OperationsStock Market AnalysisBusiness Relationship ManagementRetail Banking

Other Skills

Hypergrowth Strategy & AccelerationAPI Monetisation & Platform ScaleHigh Velocity Sales ExecutionMerchant Lifecycle OwnershipReturn on Equity (ROE)Multi Channel Distribution StrategyManagementPortfolio ManagementRelationship ManagementSalesFinancial RiskMISCross SellingCredit RiskLoans

About

I have spent over 26 years driving innovation across banking and fintech, building platforms that connect credit, payments and digital financial services to millions of consumers and businesses. My focus has always been on creating scale without losing resilience, combining digital innovation with governance and operational depth. I believe the future of financial services lies in breaking down barriers to access. From unlocking SME credit at Paytm through seamless lending embedded in merchant payment journeys, to building full-stack BFSI models at NetAmbit, my career has been about translating market needs into systems that deliver sustainable growth. I work at the intersection of strategy, technology, and execution, aligning regulators, investors, and ecosystem partners to create long-term enterprise impact. My leadership philosophy is simple - move fast where it matters, scale with structure and leave systems stronger than they were found.

Experience

27 yrs 6 mos

Total Experience

4 yrs 3 mos

Average Tenure

1 yr 8 mos

Current Experience

Netambit

Chief Business Officer

Sep 2024 – Present · 1 yr 8 mos · Mumbai, Maharashtra, India

I’m building an integrated BFSI platform at NetAmbit that brings together credit cards, personal and business loans, insurance and managed sales services. This model combines digital origination with strong on-ground networks, extending market reach and improving acquisition quality. By creating scalable infrastructure and trusted partner ecosystems, I’m focused on driving growth that is sustainable and built to last.

Innovation ManagementHypergrowth Strategy & AccelerationScalable Fintech Ecosystems

Paytm

Business Lead : Offline Payments -Merchant Lending

Sep 2020 – Jun 2024 · 3 yrs 9 mos · Mumbai, Maharashtra, India

At Paytm, I transformed how small merchants accessed credit by embedding unsecured lending directly into QR and Soundbox payment ecosystems. This helped create one of India’s largest merchant lending networks, enabling small businesses to access working capital seamlessly while accelerating the adoption of digital payments and driving significant growth in merchant engagement and platform transactions.

Project GovernanceAPI Monetisation & Platform ScaleDigital Lending at ScaleHigh Velocity Sales ExecutionMerchant Lifecycle Ownership

Clix capital

Vice President & Head Sales : SME Unsecured Business & Partnerships

Mar 2017 – Sep 2020 · 3 yrs 6 mos · Mumbai Area, India

At Clix Capital, as one of the founding members of the company , I built the Merchant Cash Advance lending business from the ground up, working with fintechs, aggregators and digital partners to create embedded finance journeys. By streamlining credit delivery and reducing turnaround times, we achieved sustainable, ROA-positive portfolio growth while maintaining credit discipline and operational efficiency.

Risk GovernanceReturn on Equity (ROE)Project GovernanceOperational Risk ManagementStrategic Partnerships

Neogrowth credit pvt. ltd.

National Head-Alliances / Business Development (Merchant Cash Advance /POS Business)

Aug 2014 – Mar 2017 · 2 yrs 7 mos · Mumbai Area, India

I was part of the scale for NeoGrowth from an early-stage fintech into a national POS-led merchant lending platform, expanding SME access to credit through partner ecosystems. By designing acquisition funnels, building regional field networks and creating lifecycle credit models, we deepened market penetration while improving cost efficiency and portfolio performance.

Credit Risk ManagementSmall and Medium-Sized Enterprises (SME)Multi Channel Distribution Strategy

Kotak mahindra bank

3 roles

AVP & Area Sales Manager -CaSa Acquisition

Apr 2013 – Aug 2014 · 1 yr 4 mos

➢Responsible for leading and managing retail sales for CA, SA, Insurance, Trade accounts, Demat accounts ,Deposit Mobilization & NR accounts
➢Working with a bank-wide team of Branch Sales Managers to set strategic direction for the bank- focusing on employee commitment, strategies for customer growth and increasing sales across levels / bank products.

P&L ManagementSME Banking

Branch Head-Retail Liabilities

Apr 2011 – Mar 2013 · 1 yr 11 mos

After almost a decade of channel /distribution management , moved to Retail Liabilities as the Branch Head for Kandivali West Branch(Mumbai) and was responsible for the overall Sales and Operations of the Branch :
➢Handling all aspects of Branch Operations viz: Savings A/c, Current Accounts, Cash Credit accounts, Term Deposits, Cash Management, Remittances, Bills collections & Clearings. .
➢Examining, evaluating, reporting, and recommending improvements on the adequacy and effectiveness of management's risk management processes.
➢Adherence to KYC/AML norms as stipulated by RBI
➢Responsible for audit compliance and all correspondence of the bank with respect to Govt. Departments and other banks.
➢Statutory Compliance :Taking adequate measures to ensure conformance to guidelines prescribed by RBI and other regulatory authorities

Risk GovernanceSME BankingOperational Risk Management

Location Head -Unsecured Lending

Jun 2001 – Mar 2011 · 9 yrs 9 mos

In this role I was instrumental and responsible in setting up the ENTIRE distribution network /set up in Mumbai & West Region for Business Loan, Personal Loan ,Funding against Credit Card Receivables and Loan against Property, setting up & scaling profitable DST Teams.

Financial AnalysisCredit Risk ManagementSmall and Medium-Sized Enterprises (SME)