Headline

Fintech & Payments Leader | Building UPI 0→1 | Credit, Cards, BBPS, Payments & Partnerships @ CheQ | Ex-Razorpay, PayU

About

I build and scale fintech businesses across payments, credit and banking — from 0→1 launches to businesses processing thousands of crores. Today, I lead Payments & Partnerships at CheQ, managing a payments processing ecosystem and taking UPI from 0→1 to 5L+ users and scaling beyond. Over 12+ years across CheQ, Razorpay and PayU, I've worked across payments, banking products, credit cards, BBPS, strategic partnerships, product, commercial strategy and operations. My strength is operating at the intersection of business, product and execution — identifying an opportunity, building the business case, getting the right partners aligned, launching the product and then building the operating engine to scale it. At CheQ, my work spans: → Payments — Payment's processing across businesses vertical CCBP | BBPS | Utilities | UPI | Travel | Wallet → UPI — built the business from 0→1 to 5L+ users → Credit & Cards — credit products, credit-card repayments and card partnerships → BBPS — bill payment ecosystem and payment operations → Partnerships — banks, card networks, NPCI, PA's, PSPs and payment ecosystem partners → Unit Economics — driving 10–25 bps month-on-month cost optimisation → Operations — reconciliation, settlement, risk, fraud and payment performance Before CheQ, I was Senior Director – Banking Partnerships & Operations at Razorpay, leading a 50+ team. Prior to that, I spent nearly 11 years at PayU, progressing through banking operations, partnerships, strategic initiatives and banking products, eventually leading a 50+ team. I've spent my career in businesses where execution matters as much as strategy — negotiating with partners, navigating regulation, solving operational complexity and turning ambiguous opportunities into scalable businesses. I enjoy building things that don't have a playbook.

Location

Bengaluru

AI stack

claude

gemini

lovable

ChatGPT

OpenAI Playground

Work experience

Head- Payments & Partnerships at CheQ, Apr 2026 - Present · 7 mos, Bengaluru, Karnataka, India, Lead Payments & Partnerships at CheQ, complete payments ecosystem across UPI, credit-card payments, BBPS and other payment businesses. Built CheQ's UPI business from 0→1, scaling to 5L+ users, across product, technology, banking/PSP partnerships, risk, compliance and operations. Lead strategic relationships across banks, NPCI, PSPs, card networks and payment partners, covering commercial negotiations, product integrations and ongoing business performance. Drive payment economics and cost optimisation, delivering 10–25 bps month-on-month improvement through partner negotiations, routing, process optimisation and operating efficiencies. Own critical payment operations across processing, reconciliation, settlement, payment failures, partner performance and transaction-level escalations. Lead a 12-member team across payments, partnerships and operations, working cross-functionally with product, engineering, finance, risk and compliance. Drive new opportunities across payments, credit, UPI and cards, taking initiatives from business case and partner strategy through product execution and scale.

Senior Director - Banking Partnerhips & Operations at Razorpay, Jan 2025 - Apr 2026 · 1 yr 4 mos, India, Led Banking Partnerships & Operations with responsibility for a 50+ member team across banking relationships, operations and strategic business initiatives. Built and managed strategic relationships across banks and financial institutions, driving new partnerships, product capabilities and commercial opportunities. Led cross-functional execution across product, technology, finance, risk, compliance and operations to launch and scale financial products. Owned partner commercials, negotiations and operating models, balancing business growth, unit economics and operational scalability. Drove improvements across payment/banking operations, including reconciliation, settlement, transaction processing and partner performance. Worked with senior leadership to identify and execute new opportunities across payments, banking and fintech.

Head - Banking Products, Partnerships & Operations at PayU, Apr 2023 - Dec 2024 · 1 yr 9 mos, Gurugram, Haryana, India, Led Banking Products, Partnerships & Operations, managing a 50+ member team across product, partnerships and operations. Owned strategic banking relationships and development of new banking/payment capabilities across the business. Led initiatives spanning business strategy, product development, partner commercials and operational execution. Worked with banks and financial institutions to structure and launch new products and business opportunities. Drove operational improvements across payment processing, reconciliation, settlement and partner performance. Worked closely with senior leadership across product, technology, finance, risk and compliance to scale new initiatives.

Director - Strategic Partnerships at PayU, Apr 2022 - Mar 2023 · 1 yr, Led strategic partnerships across banks, financial institutions and fintech ecosystem players. Identified, structured and negotiated new partnership opportunities across payments and financial services. Owned partner commercials and business cases, balancing revenue opportunity with operational and economic viability. Worked cross-functionally with product, technology and operations teams to convert partnerships into scalable products.

Associate Director- Strategic Initiatives at PayU, Apr 2020 - Mar 2022 · 2 yrs, Gurugram, Haryana, India, Led high-priority strategic initiatives across payments and financial services, working closely with business leadership. Built business cases and drove initiatives from concept → partner strategy → product execution → scale. Identified opportunities across growth, product, partnerships and operating efficiency. Managed complex cross-functional programmes involving multiple internal teams and external partners.

Senior Manager at PayU, Feb 2014 - Mar 2020 · 6 y 1 mo, Gurgaon

Telecommunications Engineer at Nokia Siemens Networks, Feb 2010 - Jan 2011 · 1 yr, NSS FM engg, in GNOC Noida

Education

PGPM, Marketing & Finance, ICFAI business school

B.Tech, ECE, Kurukshetra university