---
title: "Abhijeet Bhandwale (BE, MBA IIM-L) - Strategy and Enterprise Sales Manager (Merchant Growth, KYC Governance, GTM Strategy) in Mumbai | Tal"
description: "Meet Abhijeet Bhandwale (BE, MBA IIM-L), Payments Strategy & Commercial Transformation Leader | Managed ₹6,000 Cr Payments Portfolio | Delivered ₹32 Cr P&L Turnaround | Merchant Acquiring | Enterprise Sales | RBI Licensing | Fiserv, Axis Bank based in Mumbai. AI stack includes antigravity and openc..."
image: "https://tal.club/meet/abhijeet-bhandwale-be-mba-iim-l/share-image"
---

# Abhijeet Bhandwale \(BE, MBA IIM\-L\) on Tal

## Headline

Payments Strategy & Commercial Transformation Leader \| Managed ₹6,000 Cr Payments Portfolio \| Delivered ₹32 Cr P&L Turnaround \| Merchant Acquiring \| Enterprise Sales \| RBI Licensing \| Fiserv, Axis Bank

## About

Payments Strategy & Commercial Transformation Leader \| Fiserv, Axis Bank \| MBA, IIM Lucknow I transform loss\-making payments portfolios into profitable growth engines—managing ₹6,000 Cr enterprise portfolios, delivering ₹32 Cr P&L turnarounds, and leading seamless migration of 50,000\+ merchants\. VP\-level leader with 10\+ years across fintech, banking, consulting, and technology, delivering commercial growth through strategy, analytics, partnerships, and execution\. Key Business Outcomes Managed a ₹6,000 Cr Enterprise Payments Portfolio at Fiserv, delivering \~20% YoY growth while leading Enterprise Sales, GTM, and Strategic Partnerships across global enterprises, airlines, retailers, fintechs, and payment aggregators\. Delivered a ₹32 Cr P&L turnaround for loss\-making portfolio at Axis Bank by redesigning pricing, optimizing network costs, recovering partner claims, and reducing Merchant Acquiring losses by 66%\. Generated ₹15 Cr annual savings, recovered ₹10 Cr from Card Processing Networks, and created ₹8 Cr incremental revenue through commercial negotiations and pricing optimization for Merchant Acquiring Business at Axis Bank\. Led the migration of 50,000\+ merchants across banking partners within four months with zero payment disruption, coordinating Product, Technology, Operations, Finance, Legal, Compliance, and Risk teams\. Partnered with CEOs and Business Presidents on Annual Operating Plans, RBI Payment Aggregator licensing, commercial strategy, and enterprise transformation initiatives\. Core Expertise Payments Strategy • Commercial Transformation • P&L Leadership • Merchant Acquiring • Enterprise Sales • Strategic Partnerships • GTM • Pricing Strategy • Portfolio Management • RBI Licensing • Business Transformation • Executive Stakeholder Management What Differentiates Me Unique career progression from Technology → Consulting → Banking → Global Fintech, enabling me to connect technology, analytics, commercial strategy, and execution\. Proven record of converting complex commercial challenges into measurable profitability, scalable growth, and operational excellence\. Collaborative leader recognized for aligning cross\-functional teams, simplifying complexity, and consistently delivering enterprise\-scale outcomes\. I turn banks, fintechs, and payment platforms into growth engines—driving profitability and building resilient, next\-generation payment ecosystems\. Abhijeet Bhandwale \| Mumbai \| abhijeet\.bhandwale@iiml\.org \| \+91 9765696345

## Location

Mumbai

## AI stack

antigravity

opencode

## Work experience

Strategy and Enterprise Sales Manager \(Merchant Growth, KYC Governance, GTM Strategy\) at Fiserv, Nov 2024 \- Present · 1 yr 10 mos, Mumbai, Global FinTech leader with $21B revenue and 40,000\+ staff across 100\+ countries\. •Added enterprise merchants from the fintech and travel sectors, generating annual revenue of ₹2 Cr\. •Prioritized high\-value merchant migrations, protecting 80% of portfolio revenue within the first 30 days\. •As the primary liaison with banking partners, established re\-KYC governance for 50,000\+ migrated merchants\. •Implemented risk mitigation framework, reducing merchant churn below 5% during portfolio migration\. •Achieved 100% project timeline adherence through stakeholder alignment and cross\-functional coordination\. •Developed enterprise sales strategy, executive dashboards, and governance reports\. •Worked with internal stakeholders and RBI to earn Payment Aggregator Cross\-Border license\.

AVP \(Portfolio Strategy\) – Cost & Revenue Management, Commercial Pricing, AOPs, Risk Mitigation\) at Axis Bank, Jan 2023 \- Nov 2024 · 1 yr 11 mos, Mumbai, •Managed cost and revenue portfolios with an 6\-member team, improving overall portfolio health by 20%\. •Pioneered data\-driven cost analysis, recovering a record ₹10 Cr from Card Processing Netwroks through cost optimization\. •Revamped commercial pricing for top 5 Payment Aggregators Platforms, generating ₹8 Cr in annual revenue\. •Prepared and Presented Annual Operations Plan & 3–year vision for President, Cards & Payments Department\. •Collaborated with Card, Retail Banking, and Compliance teams to streamline the onus transaction process\. •Attained Risk mitigation through RBI regulatory compliance by timely reporting & implementing\. •Partnered with the technology & products team to implement real\-time dashboards for the CEO's view\.

Associate Management Consultant \(Business Growth & Credit Risk Optimization Strategies\) at Sutra Management, Jun 2022 \- Dec 2022 · 7 mos, Boutique consulting firm delivering business strategy and analytics advisory services to BFSI clients across seven countries\. •Architected credit risk optimization and business growth strategies across BFSI clients in the MEA region\. •Implemented ML‑based credit risk model for UAE bank, improving portfolio health\. •Developed communication strategy for a Saudi Arabian bank improving customer engagement by 30%\. •Collaborated with the Malaysian Bank CEO to implement automated IFRS9 model using Python

Management Trainee \(Strategic Planning, Model Development\) at BYJU'S, Apr 2021 \- Jun 2021 · 3 mos, Bengaluru, Global EdTech leader with 150M\+ students\. •Planned Strategy for VP User Experience Department to improve user retention by 20% YoY\. •Developed a data\-driven model for allocation of 400\+ personnel to reduce TAT for customer queries by 25%\.

## Education

Master of Business Administration \- MBA, Indian Institute of Management, Lucknow

Master of Arts \- MA, Public Administration, Indira Gandhi National Open University

[View the original profile](https://tal.club/meet/abhijeet-bhandwale-be-mba-iim-l)

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