---
title: "Vijay Babu - Sr. Staff Enterprise Application Engineer in Greater Bengaluru Area | Tal"
description: "Meet Vijay Babu, Operations Leader & Process Excellence Specialist | 23+ Years in Fintech, Payments, Prepaid Cards & Loyalty Ops | Built from scratch and scaled - PayZapp, HDFC Smartbuy & Axis Edge Rewards. ex Blackhawk|R360|Wibmo based in Greater Bengaluru Area. AI stack includes claude."
image: "https://tal.club/meet/vijay-babu-1/share-image"
---

# Vijay Babu on Tal

## Headline

Operations Leader & Process Excellence Specialist \| 23\+ Years in Fintech, Payments, Prepaid Cards & Loyalty Ops \| Built from scratch and scaled \- PayZapp, HDFC Smartbuy & Axis Edge Rewards\. ex Blackhawk\|R360\|Wibmo

## About

𝗣𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗦𝘂𝗺𝗺𝗮𝗿𝘆 23\+ years of experience building and scaling fintech, payments, and rewards operations from the ground up in fast\-paced startup environments, with a specialization in Process Excellence and continuous improvement\. A seasoned operations leader & with deep, end\-to\-end expertise across digital wallets, prepaid cards, payment gateways, loyalty programs, and travel commerce — having been a founding team member on several category\-defining products in the Indian fintech space, including PayZapp, Axis Edge Rewards, and HDFC Smartbuy\. 𝗖𝗼𝗿𝗲 𝗗𝗼𝗺𝗮𝗶𝗻 𝗘𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲 \- 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 & 𝗖𝗮𝗿𝗱𝘀: Wallet operations \(PayZapp\), prepaid card lifecycle \(physical & virtual\), payment gateway implementation, 3DS/2FA operations for 19\+ leading Indian banks, card manufacturing support \- 𝗟𝗼𝘆𝗮𝗹𝘁𝘆 & 𝗥𝗲𝘄𝗮𝗿𝗱𝘀: Points accrual/redemption \("earn & burn"\) program design and operations, physical reward fulfilment \(procurement, inventory forecasting, warehousing, logistics, TAT management\) \- 𝗧𝗿𝗮𝘃𝗲𝗹 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗲: Flight, hotel, bus, and train booking operations across points and cash payment modes \- 𝗠𝗲𝗿𝗰𝗵𝗮𝗻𝘁 𝗘𝗰𝗼𝘀𝘆𝘀𝘁𝗲𝗺: Merchant onboarding, integration, training, and billing system setup \(Piingle\) \- 𝗘\-𝗰𝗼𝗺𝗺𝗲𝗿𝗰𝗲 & 𝗔𝗳𝗳𝗶𝗹𝗶𝗮𝘁𝗲: Sales, billing, and reconciliation management \- 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲: Call center & IVR operations, concierge services, L2/L3 support frameworks \(scaled to 100\+ seat operations\) \- 𝗘𝗻𝗮𝗯𝗹𝗶𝗻𝗴 𝗙𝘂𝗻𝗰𝘁𝗶𝗼𝗻𝘀: Fraud monitoring, escalation management, fund management & forecasting, data analytics, process design and continuous improvement, client relationship management \- 𝗖𝗼𝗻𝘀𝘂𝗺𝗲𝗿 𝗗𝘂𝗿𝗮𝗯𝗹𝗲𝘀: Distribution channel, dealer network, and service process management 𝗞𝗲𝘆 𝗣𝗿𝗼𝗷𝗲𝗰𝘁𝘀 \(𝗕𝘂𝗶𝗹𝘁 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗚𝗿𝗼𝘂𝗻𝗱 𝗨𝗽\) \- 𝗣𝗮𝘆𝗭𝗮𝗽𝗽 – Wallet\-based payments platform \- 𝗔𝘅𝗶𝘀 𝗘𝗱𝗴𝗲 𝗥𝗲𝘄𝗮𝗿𝗱𝘀 – Points accrual, redemption, and physical rewards program \- 𝟯𝗗𝗦/𝟮𝗙𝗔 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 – Support infrastructure for 19\+ top Indian banks \- 𝗣𝗿𝗲𝗽𝗮𝗶𝗱 𝗖𝗮𝗿𝗱 𝗣𝗿𝗼𝗴𝗿𝗮𝗺𝘀 – KVB & Central Bank of India \(program management\) \- 𝗣𝗶𝗶𝗻𝗴𝗹𝗲 – Wallet\-based gifting solution \(sales & operations\) \- 𝗛𝗗𝗙𝗖 𝗦𝗺𝗮𝗿𝘁𝗯𝘂𝘆 – Call centre and concierge setup \(100\+ seats\) 𝐒𝐜𝐚𝐥𝐞𝐝 𝐎𝐩𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐬 \- 𝗛𝗗𝗙𝗖 𝗦𝗺𝗮𝗿𝘁𝗯𝘂𝘆 – Travel, physical rewards, and call centre operations

## Location

Greater Bengaluru Area

## AI stack

claude

## Work experience

Sr\. Staff Enterprise Application Engineer at Blackhawk Network India, Mar 2021 \- May 2026 · 5 yrs 3 mos, India, 𝗗𝗮𝘁𝗮 𝗔𝗻𝗮𝗹𝘆𝘁𝗶𝗰𝘀 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 \(𝗔𝗽𝗽 𝗢𝗽𝘀\) • Established and led the Data Analytics function, delivering insights on payment failures, risk rejections, and transaction drops • Analyzed product line performance using Power BI, Snowflake, and Amazon Redshift, and delivered executive dashboards via GA4, CJA, and the data warehouse • Identified root causes with partner teams and banks, driving fixes that improved transaction success rates and reduced losses Risk Provider Evaluation • Evaluated and benchmarked multiple risk providers, recommending solutions that strengthened fraud detection and minimized revenue leakage 𝗦𝗰𝗮𝗻𝗜𝘁 𝗟𝗮𝘂𝗻𝗰𝗵: 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 & 𝗕𝗶𝗹𝗹𝗶𝗻𝗴 \(𝗠𝘂𝗹𝘁𝗶\-𝗥𝗲𝗴𝗶𝗼𝗻\) • Built and scaled end\-to\-end reconciliation, billing, and fund management frameworks across multiple global regions for a new product launch • Implemented customer invoicing, partner tax invoicing, and audit compliance processes, enabling scalable financial and operational workflows 𝗖𝗿𝗼𝘀𝘀\-𝗙𝘂𝗻𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗶𝗼𝗻 • Partnered with Product, Tech, Banking, and Business teams to close requirement gaps across payments, analytics, reconciliation, merchant onboarding, operations, and taxation • Streamlined user and process audits, certificate tracking and renewal, and platform onboarding to improve efficiency and compliance 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗦𝘂𝗽𝗽𝗼𝗿𝘁 𝗧𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 • Analyzed 12\+ months of call center data to pinpoint recurring issues and proposed long\-term fixes to improve customer experience and efficiency • Set the strategic vision and roadmap for AI\-driven support automation

Head \- Operations at Reward360 Global Services Pvt Ltd\., Jul 2019 \- Nov 2020 · 1 yr 5 mos, Bengaluru, Karnataka, India, \- Managed annual sales operations of Rs\. 2500 Crs and ensured company resources are optimally allocated amongst different products across the loyalty and eCommerce platforms \- Managed Procurement, fulfilment and end mile delivery for more that 1500\+ SKUs across India & ME \- Managed cost and tracking of end to end purchase management \- Developed, managed and improved end to end vendor life\-cycle management processes \- Managed regular senior level collaborative meetings with vendor, ensuring operations TAT and metrics across all KPIs are met \- Forecast, work with partners and clients to arrange funds and manage the same for the digital program and its services \- Managed teams to handle \- daily reconciliation with payment systems and partner; process end of day settlement to the partners; initiate customer refunds; handle exceptional cases and chargebacks \- Handle customer and client escalation; audit and service delivery related activities

Head \- Digital Operations at Reward360 Global Services Pvt Ltd\., Apr 2017 \- Jun 2019 · 2 yrs 3 mos

Head of Operations at REWARD360, 2017 \- 2020 · 3 yrs, Led operations for ₹2500 Cr\+ annual GMV across e\-commerce and loyalty platforms for major banks \(HDFC, Axis, SCB, ICICI, Amex\) Managed end\-to\-end payment operations: reconciliation, settlements, refunds, fraud, and chargebacks Directed large\-scale vendor ecosystem \(250\+\) and ensured SLA/KPI adherence across partners Built and scaled multi\-channel customer support operations, improving resolution efficiency and CX Drove new revenue initiatives \(cross\-sell, concierge services, travel add\-ons\) Oversaw procurement, fulfilment, and logistics for 1500\+ SKUs across India & Middle East Implemented complex loyalty configurations \(400\+ Cr records, 1500\+ rules\) for large banking clients

Head \- Operations at OPEN SKY LABS PRIVATE LIMITED, May 2016 \- Apr 2017 · 1 yr, \- Introduced the new cloud cum wallet based gifting solution for local merchants, targeting the impulsive and last minute gifting users \- Successfully tied up with first 35\+ local merchants, which grew to 160\+ merchants in a year \- Handled 5 member on\-field team to setup and operate 3500\+ partner stores of the Piingle platform \- Managed onboarding, setup and training of redemption at the partner/ merchant stores \- Setup and managed daily reconciliation, fund management and merchant payouts \- Managed call centre support for customer and the partner/ merchant

Head \- Business Development at OPEN SKY LABS PRIVATE LIMITED, Oct 2015 \- May 2016 · 8 mos

Head of Operations at PIINGLE \(Open Sky Labs\), 2015 \- 2017 · 2 yrs, Built operations for a closed\-loop prepaid gifting platform, including reconciliation, payouts, and merchant lifecycle Scaled merchant network from 35 to 160\+ partners within a year Led merchant onboarding, training, and customer support operations Contributed to product and GTM strategy through market insights

[View the original profile](https://tal.club/meet/vijay-babu-1)

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