---
title: "Vitasta Marhatta - Banking Operations Analyst in Bengaluru | Tal"
description: "Meet Vitasta Marhatta, Turning broken processes into better ones | Banking Ops @ Razorpay | MBA Quantitative Finance | Fintech & Payments based in Bengaluru. AI stack includes claude code, claude, and codex."
image: "https://tal.club/meet/vitasta-marhatta/share-image"
---

# Vitasta Marhatta on Tal

## Headline

Turning broken processes into better ones \| Banking Ops @ Razorpay \| MBA Quantitative Finance \| Fintech & Payments

## About

MBA in Quantitative Finance from Symbiosis International University\. Banking Operations Analyst at Razorpay — one of India's most complex payment ecosystems\. My work sits at the intersection of banking, compliance, and fintech operations\. Day to day I manage end\-to\-end merchant onboarding across SBI Net Banking, Atom, SBI CC EMI, Amazon Pay, City Union Bank and other banking partners — handling everything from QC and pricing validation to bank coordination and activation\. I've reduced approval TAT by 55%, cut ARB rejection rates from 15% to under 10%, and won the MVP Award in my first year\. I'm someone who doesn't just do the work \- I look for what's broken in it, understand why, and fix it for good\.

## Location

Bengaluru

## AI stack

claude code

claude

codex

gemini

openai

ChatGPT

## Work experience

Banking Operations Analyst at Razorpay, Apr 2025 \- Present · 1 yr 6 mos, Bengaluru, Karnataka, India

Research Analyst \(Investment Banking\) at Intellectual Investments & Financial Services Pvt\. Ltd\., Aug 2024 \- Sep 2024 · 2 mos, India

Management Trainee at Capital Trust Ltd, Apr 2024 \- Jun 2024 · 3 mos, Gurugram, Haryana, India

Senior Member \| Public Relations, Media, & IT Committee at Symbiosis Institute of Business Management \(SIBM\) Bengaluru, Jul 2023 \- Mar 2025 · 1 yr 9 mos, Bengaluru, Karnataka, India

Director of Virtual Operations and Management at Enactus Ramjas at Enactus Ramjas, Sep 2020 \- Sep 2021 · 1 yr 1 mo

Member of Event management at Enactus Ramjas, Sep 2019 \- Sep 2020 · 1 yr 1 mo

Coordinator of Project Aarogya at Enactus Ramjas, Sep 2019 \- Sep 2020 · 1 yr 1 mo

## Education

Master of Business Administration \- MBA, SYMBIOSIS INTERNATIONAL UNIVERSITY

Bachelor of Commerce \- BCom, Honours, Ramjas College, University of Delhi

[View the original profile](https://tal.club/meet/vitasta-marhatta)

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