Product Manager – TASC at RBL Bank Ltd (2023-12 – 2026-04)
TASC · Cooperative Banking · Government Business · Bank-Fintech Partnerships · Merchant Acquiring
- Strategic Alliance Development: Identified, evaluated, and onboarded fintech and partners through a structured alliance framework governance — resulting in a scalable partner ecosystem across TASC, cooperative banking.
- Commercial Agreement: Drafted and managed NDA, and referral agreement frameworks with 2 fintech; ensured alignment between legal, compliance, and product teams for seamless alliance execution
- Revenue-Share & Co-origination: Designed and negotiated referral-based and co-origination revenue models with fintech channel partners — enabling preferential commercial terms, dedicated RM mapping, and joint GTM activation
- Cooperative Bank Ecosystem: Led end-to-end onboarding of 65+ Urban Cooperative Banks (FY 2023–2026) for CASA and TD products; NTB cooperative banks contributed 20% of the ₹15,000 Cr TD book and ₹675 Cr in CASA.
- AI-Assisted Alliance Intelligence: Applied AI/LLM tools for pipeline tracking enabled faster GTM decisions
- Enterprise Merchant Acquiring: Scaled merchant acquiring infrastructure for the TASC ecosystem — spanning Education, Healthcare, NGOs, Trusts, and Religious Institutions — deploying UPI, CMS, QR, POS, and PG
- Customized Solution Selling: Deployed customized consultative selling approach with enterprise clients, mapping pain points, and offered best suited payment product solutions — achieving deep segment penetration across speciality verticals.
- Stake Holder Management: Served as single point contact across technology, legal, compliance, product, and analytics functions — coordinating API integration roadmaps, enforcing vendor SLAs, and providing regulatory impact assessments to senior leadership and providing best in class service to the customer.
- Relationship Deepening: Applied AI-driven behavioural analytics to identify dormant institutional segments and redesigned targeted re-engagement campaigns — achieving a 12% lift in dormant-to-active conversion. Resulted 40% TASC CASA growth and through product optimization, incentive design, and alliance-led channel expansion
- Dash Board & KPI Tracking: Tracked daily, monthly, and quarterly KPIs across digital adoption, book, NTB additions; led monthly and quarterly reviews with senior leadership — ensuring accountability and course corrections on annual budgets.
- Regulatory Reporting: Monitored and interpreted RBI/NPCI guidelines; provided impact assessments to leadership and ensured product features remained compliant — maintaining zero regulatory breach across the full portfolio lifecycle
- Govt Engagement & Portfolio Growth: Engaged with state Govt dept, Panchayat, municipal corporations, Universities, PSU for banking business. Improved CASA book from ₹500 Cr to ₹1,200 Cr and TD from ₹750 Cr to ₹2,100 Cr through acquisition.
- RFP / Bid Management: Led end-to-end RFP response and bid management for government tenders — coordinating technical specifications, commercial pricing, eligibility documentation, and compliance submissions
- NPCI & Regulatory Coordination: Served as internal POC for RBI/NPCI circular impact assessments on government payment products; ensured product features and payment flows remained compliant — maintaining zero regulatory breach.
Regional Business Head – Enterprise & Cooperative Business at FidyPay (API-Based Fintech) (2022-09 – 2023-10)
Full-stack API platform: UPI · eNACH · API Banking · BBPS.Collection&Payout · eKYC | B2B · B2G · Cooperative Banking
- Enterprise Customer Acquisition & Revenue: Built a ₹200 Cr+ enterprise business from scratch across B2B and B2G segments by acquiring cooperative banks, NBFC &MFI, government bodies onto UPI, eNACH, eKYC, and BBPS API platforms.
- Strategic Account Management: Acquired and retained 25+ enterprise accounts; built long-term institutional relationships with key decision-makers in cooperative banks, NBFC-MFIs, and government agencies.
- CBS & TSP Alliance Management: Created a CBS-led distribution model by onboarding 8+ Core Banking and TSP partners, enabling 500+ co-op segment customers at scale; onboarded 12 cooperative banks for live UPI payment acceptance
- Banking Alliance: Maintained strategic banking alliance with Yes Bank for UPI payment acceptance for Co-op Banks.
Enterprise Solutions Manager – East at Pine Labs Ltd (2021-10 – 2022-08)
Enterprise POS & Payment Solutions | Emerging Segment · Education · Large Format Retail · Government – East India
- Enterprise & Government Acquiring Business: Managed acquisition, growth, and retention of enterprise & Government clients across East India- delivering POS payment solutions. Nationally managed 1500 POS with leading agri-tech company.
- Banking Alliance: Maintained strategic relationships with HDFC Bank, YES Bank, Kotak, ICICI, and Axis to generate referral leads, execute enterprise projects, and secure preferential commercial terms for Large Retail and government clients.
Manager – Enterprise Business (East) at Mosambee (Acquired by Pine Labs) (2021-01 – 2021-07)
B2B Micro-ATM and Enterprise POS through Banking Channel Distribution
- Banking Alliance (Enterprise & Govt): Acquired and managed enterprise POS business through banking channel partners — HDFC, YES, Kotak — and established the Micro-ATM distribution channel across Eastern India. Acquired North East Small Finance Bank and sold 15000 Micro-ATM device for expansion of mobile banking in north east.
Assistant Manager – Sales (Government & B2B) at Paytm (2015-04 – 2019-04)
Government Utility Alliances · Payment Gateway · Paytm Platform · BBPS – East & North East India
- Government & Utility Alliance: Scaled regional GMV from zero to ₹100 Cr/month by onboarding State utility companies (Electricity, Water, Gas) across Eastern Part — establishing Paytm as the dominant digital payment channel for Govt Utility.
- Govt GTM & Onboarding Architecture: Designed a government GTM playbook covering stakeholder mapping, MoU structuring, and post-onboarding engagement — used to onboard government bodies at scale.
- NPCI & Regulatory Coordination: Maintained direct NPCI relationship for regional BBPS coordination.
- BBPS Scale-Up: Onboarded 8 electricity boards onto BBPS, adding ₹60 Cr/month in incremental business volume;
- B2B Bill Payment: Started bill payment solution category - scaled 10 Cr/month bill payment with 5 lakhs service revenue
Assistant Manager – Sales at Office Depot Reliance Supply Solutions (P) Ltd (2008-09 – 2013-03)
- Enterprise Acquisition & Account Management: Acquired and managed B2B corporate accounts for office supplies; grew the key account portfolio consistently over 4+ years through relationship management and solution selling.
