Headline

BFSI & Network Partnerships Lead @ Razorpay

About

Experienced team leader with hands on knowledge of growing businesses in telecom, payments & e-commerce. Worked at Idea Cellular for nearly 3.5 years across 3 verticals in the corporate office in Mumbai - postpaid retail (sales, operations, retention, branding), prepaid usage & revenue (customer segmentation, MNP retention, prepaid sales) & customer activation (e-kyc implementation and growth) - Won the Golden Peacock award for Service Center Management system, the Purple Pap for best innovation across Aditya Birla Group & an excellence award for prepaid retention initiatives Led the pricing & networks vertical at SBI Cards for nearly 3 years driving revenue through fees & charges, interchange & network deals - Won Champion of the Quarter in 2020 for exceptional revenue growth during the pandemic Currently I lead a team of exceptional people in driving revenue & growth for the most dynamic Line of Business in Makemytrip - Holidays - Achieved the highest ever conversion, single day sales, single day online sales, single day revenue in May 2022

Location

Bengaluru

AI stack

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Work experience

Associate Director - BFSI + Network Partnerships at Razorpay, Apr 2026 - Present · 7 mos, Following strong FY26 performance, entrusted with expanded ownership of Razorpay's Visa India partnership, alongside leading the BFSI Key Account charter for Razorpay Engage. • Lead the BFSI charter for Razorpay Engage — a SaaS-based customer engagement and loyalty platform enabling enterprise clients to drive retention, rewards, and lifecycle marketing through API-led integrations and payment-linked engagement solutions. • Partner with enterprise stakeholders across business, marketing, product, technology, and customer experience teams to design scalable engagement solutions spanning loyalty infrastructure, tokenization, reward orchestration, and campaign automation. • Work cross-functionally with product, operations, and engineering teams to enable implementation and deployment of integrated engagement solutions for leading BFSI clients. • Scale Razorpay's ad network by enabling banks to leverage real-time transaction data for precise, performance-driven engagement. • Build loyalty SaaS, gift card distribution, and campaign management tools for banks and fintechs to reward customer behaviour, drive repeat engagement, and enhance brand affinity.

Associate Director - BFSI Partnerships & Customer Success at Razorpay, Oct 2024 - Mar 2026 · 1 yr 6 mos, Customer Success charter added to profile as part of expanded charter

Associate Director - BFSI Partnerships (Engage) at Razorpay, Nov 2023 - Sep 2024 · 11 mos

Associate Director - Strategic Partnerships (Banks & Networks) at Pine Labs, Apr 2023 - Nov 2023 · 8 mos, Bengaluru, Karnataka, India, At Pine Labs, I led the PaybyPoints business line and owned our corporate network relationships, serving as the principal liaison to Visa, Mastercard, and NPCI on strategic issuer network expansion. It was a role that sat right at the intersection of product, partnerships, and payments infrastructure — and I enjoyed every bit of it. A defining moment came when I was handed executive ownership of card networks for FY24, on the back of program-managing the technical delivery of contactless Tap & Pay and Credit Card on UPI. Getting those capabilities live meant working shoulder-to-shoulder with engineering and the networks to make sure the rails were ready before we scaled.

Business Lead - PaybyPoints at Pine Labs, Aug 2022 - Apr 2023 · 9 mos, On-site, On the growth side, I focused on building acceptance at both ends of the spectrum — bringing on 20+ large-format retail merchants alongside 2,00,000+ long-tail merchants for PayByPoints, which grew our offline acceptance footprint by 20% in six months. I also took PayByPoints Online live on the Plural gateway and closed three major card issuers within the first quarter. The work was recognised internally as the highest-rated within the Loyalty vertical for FY23, off the back of consecutive record transaction-volume quarters — a result that belonged as much to the team and our network partners as to me.

Category and Revenue Lead - Holidays at MakeMyTrip, Dec 2021 - Aug 2022 · 9 mos, Gurugram, Haryana, India, In this role I am responsible for: Online Revenue for Holidays, affiliate partners like 6E Holidays Omni Channel bookings & revenue (Live Chat assisted), demand generation (leads) for offline sales channels (primarily Holiday Expert Marketplace and Call Centre) Working with Marketing teams on demand growth (SEM, Display, SEO, Customer Lifecycle Management, Customer Nurturing and Repeat & Referral, Marketing Alliances and Bank Offers, and business led campaigns and sales/offers) Revenue and P&L for Visa business

Assistant Vice President - Pricing & Networks at SBI Card, Apr 2021 - Dec 2021 · 9 mos, Gurugram, Haryana, India, Worked with some excellent leaders and was given the entire revenue portfolio to drive first on my own and then with a team. I led the Pricing & Networks vertical at SBI Cards and was directly responsible for: Maximizing overall revenue through a comprehensive pricing strategy for all products at SBI Cards Ensuring profitability of every product by managing the P&L, driving key initiatives on value propositions, and driving sales Presentation of competition benchmarking and key initiatives in fees and charges to the senior management team in quarterly pricing councils Leading multiple cross functional teams for implementation of revenue enhancing projects - Documentation of requirement, develop use cases, quality analysis of the solution through testing, process documentation and risk analysis Collaboration with product owners on product roadmaps & design innovative solutions to drive growth Analysis of fee trends and revenue projection for the next three financial years End-to-end management of relationship with networks (VISA & Mastercard) Implementation of network innovations in SBI card by capturing the requirements, collaborating with design & engineering teams for detailed test plans and comprehensive user acceptance testing Maximizing revenue from network incentive deals and optimization of network related cost

Senior Manager - Pricing & Networks at SBI Card, Feb 2019 - Apr 2021 · 2 yrs 3 mos, Gurgaon, Haryana, India, Maximizing overall revenues through strategic pricing initiatives. Key partner management with networks for optimizing incentives and costs. Ensured maximum EBITA through aggressive pricing, re-negotiating incentive deals with networks & reducing costs paid to networks during & post the covid pandemic period

Activation & Retention at Vodafone Idea Limited, Oct 2018 - Jan 2019 · 4 mos, Mumbai, Maharashtra, India, Monitor usage and minimize churn - Prepaid

Prepaid Usage & Revenue at Vodafone Idea Limited, Dec 2017 - Oct 2018 · 11 mos, Mumbai, Maharashtra, India, Maximizing overall revenue by monitoring and implementing projects to increase customer usage Customer Retention in a highly dynamic and competitive environment. Created customer cohorts from a base of 400 million for segmented targeting through competitive pricing, implementation of auto dialers for upselling and real time automated outbound calls for MNP retention

Postpaid Retail at Vodafone Idea Limited, Jun 2016 - Dec 2017 · 1 yr 7 mos, Mumbai, Maharashtra, India, The profile included operations, design, strategy and planning for 8000 plus Idea Cellular franchise showrooms across the country. I was responsible for overall postpaid sales and customer retention at 8000+ franchise stores across the country. End to end operations of all franchise stores including branding, manpower, service and collections

Education

Master of Business Administration (M.B.A.), Business Administration and Management, General, Xavier Institute of Management(XIM Bhubaneswar)

Master of Business Administration (M.B.A.), Strategy, NEOMA Business School