Santosh Kumar Pillai

Highly accomplished Fintech and Payments Leader with 15+ years of experience in Customer Relationship Management (CRM), Business Development, and Operations. Proven history in Digital Transaction Payments, including cross-border and SEPA. A results-driven professional skilled in P&L management, team leadership, strategic partnerships, and end-to-end payment processing

Consultant - Euro Exim Bank - Kerala, India

(2023-11)

• Advised customers on Housing Loans, Business Loans, LAP, and Trade Finance.
• Supported eligibility assessment and documentation processes.

Head of Business Development - BlackBanx Pvt Ltd - Kerala, India

(2022-11 - 2023-09)

• Developed business strategies for new market entry and revenue growth in cross-border payments.
• Built partnerships with API vendors, Visa, and Mastercard.
• Generated high-value leads through targeted outreach and cold-calling.
• Streamlined customer onboarding and coordinated backend testing with technical teams.

Payments Manager - WB21 Pte Ltd (Global Fintech Startup) - Kerala, India

(2016-08 - 2019-05)

• Led global payment operations and managed secure transaction processing.
• Managed relationships with payment processors and APM providers.
• Ensured compliant execution of IRTP and cross-border payments.
• Resolved critical payment issues using SWIFT expertise.
• Oversaw FX and Treasury settlements and managed HNI portfolios.

Sales Manager - Yarab Technologies Pvt Ltd - Kerala, India

(2016-03 - 2016-08)

Insurance & Telecom (UK)

• Trained teams, monitored performance, and drove sales and retention targets.
• Coordinated with Operations and Quality teams for process compliance.

Territory Manager - HDFC Sales (Subsidiary of HDFC Ltd) - Kerala, India

(2011-05 - 2015-09)

Mortgage Sales

• Led sales teams and managed target distribution.
• Generated business through channel partners (CAs, Brokers, Advisors).
• Coordinated with Technical, Legal, and Credit teams for loan disbursal.

Relationship Manager - Dhanlaxmi Bank - Kerala, India

(2008-08 - 2011-03)

Investments

• Managed investment portfolios (Insurance, SIPs, Demat).
• Handled HNI clients and delivered tailored solutions.
• Conducted in-branch training to improve productivity.

Operations Manager - One 2 Source Communication Pvt Ltd (International BPO) - Bangalore, India

(2004-10 - 2008-05)

• Managed centre performance, quality, and process improvements.
• Led BOT project implementation in Kolkata.
• Trained teams and supported HR in recruitment.

E-Relationship Officer - 24/7 Customer Care Representative - Bangalore, India

(2003-04 - 2004-09)

• Sold credit protection products to US customers and achieved sales per hour targets.
• Completed sales effectiveness training and supported call verification.

B.COM - Finance & Marketing - Bangalore University

Post Graduation Diploma - Computer Application - NIIT

Certificate - Wireless Application Protocol (WAP) - ZAP