Payments and business development leader with nearly a decade of experience spanning UPI, RuPay, card networks, digital payments, and regulatory engagement. Proven track record of managing high-growth payment platform relationships, driving merchant and partner adoption across card and UPI rails, and navigating India's regulatory landscape across IRDAI and SEBI.
Deep expertise working with payment networks, fintech startups, card issuers, NBFCs, TPAPs, and C-suite stakeholders across BFSI.
National Payments Corporation of India (NPCI)
Mumbai, India
Promoted to Senior Lead in recognition of effective partner relationship management and successful execution across multiple high-growth TPAPs and financial services initiatives.
Managed the UPI relationship for a high-growth TPAP from day zero as primary NPCI payments consultant, supporting its growth to ~3.5% UPI market share – advising on onboarding strategy, compliance readiness, merchant enablement, and scaling execution.
Owned a second TPAP partnership end-to-end, guiding the platform's growth to ~1.5% UPI market share through coordinated advisory across banks, product, risk, and merchant acceptance workflows.
Served as primary NPCI interface for high-growth TPAPs, ensuring adherence to UPI guidelines and regulatory requirements while enabling rapid scale across digital and physical merchant ecosystems.
Structured partnership terms, commercial frameworks, and go-to-market strategies for several RuPay co-brand card deals, including those with major e-commerce and consumer platforms.
Structured and executed RuPay merchant offer programs with leading e-commerce platforms, driving network market-share and transaction volumes.
Drove RuPay Credit Card on UPI (CC-on-UPI) acceptance across merchants in the BFSI segment, expanding card-on-UPI payment adoption through India's real-time payment rails.
Engaged directly with C-suite leadership at major financial services entities, merchants, and TPAPs to drive platform adoption, resolve operational challenges, and align on strategic initiatives.
Led NPCI's Bima ASBA and SBMD (Single Block Multiple Debit for Brokers) initiatives, engaging directly with IRDAI and SEBI to drive adoption of UPI-based payment rails across insurance and broking ecosystems.
Drove adoption of UPI Autopay for mutual fund platforms, liaising with AMFI, SEBI, and the exchanges to expand UPI-based recurring payment infrastructure into the asset management and capital markets segment.
Championed internal industry advocacy efforts, resulting in increased UPI limits for both insurance and mutual fund categories.
Managed cross-functional alignment across Risk, Legal, Product, and Compliance functions within NPCI to ensure regulatory adherence and drive timely partner deployments – translating policy requirements into actionable implementation milestones across UPI and RuPay initiatives.
Coordinated across internal risk, legal, product, and compliance functions to structure partner deployments that met regulatory requirements without delaying go-live timelines – serving as the connective layer between external partner urgency and internal governance.
National Payments Corporation of India (NPCI)
Mumbai, India
Promoted to Senior Lead in recognition of effective partner relationship management and successful execution across multiple high-growth TPAPs and financial services initiatives.
Managed the UPI relationship for a high-growth TPAP from day zero as primary NPCI payments consultant, supporting its growth to ~3.5% UPI market share – advising on onboarding strategy, compliance readiness, merchant enablement, and scaling execution.
Owned a second TPAP partnership end-to-end, guiding the platform's growth to ~1.5% UPI market share through coordinated advisory across banks, product, risk, and merchant acceptance workflows.
Served as primary NPCI interface for high-growth TPAPs, ensuring adherence to UPI guidelines and regulatory requirements while enabling rapid scale across digital and physical merchant ecosystems.
Structured partnership terms, commercial frameworks, and go-to-market strategies for several RuPay co-brand card deals, including those with major e-commerce and consumer platforms.
Structured and executed RuPay merchant offer programs with leading e-commerce platforms, driving network market-share and transaction volumes.
Drove RuPay Credit Card on UPI (CC-on-UPI) acceptance across merchants in the BFSI segment, expanding card-on-UPI payment adoption through India's real-time payment rails.
Engaged directly with C-suite leadership at major financial services entities, merchants, and TPAPs to drive platform adoption, resolve operational challenges, and align on strategic initiatives.
Led NPCI's Bima ASBA and SBMD (Single Block Multiple Debit for Brokers) initiatives, engaging directly with IRDAI and SEBI to drive adoption of UPI-based payment rails across insurance and broking ecosystems.
Drove adoption of UPI Autopay for mutual fund platforms, liaising with AMFI, SEBI, and the exchanges to expand UPI-based recurring payment infrastructure into the asset management and capital markets segment.
Championed internal industry advocacy efforts, resulting in increased UPI limits for both insurance and mutual fund categories.
Managed cross-functional alignment across Risk, Legal, Product, and Compliance functions within NPCI to ensure regulatory adherence and drive timely partner deployments – translating policy requirements into actionable implementation milestones across UPI and RuPay initiatives.
Coordinated across internal risk, legal, product, and compliance functions to structure partner deployments that met regulatory requirements without delaying go-live timelines – serving as the connective layer between external partner urgency and internal governance.
Signzy Technologies
Mumbai, India
Built and launched 'Signzy for Startups' program, enabling fintech-to-enterprise access and commercial deal flow.
Drove the 'Fintech API as a Service Marketplace' hypothesis by piloting various BFSI-focused use-cases with onboarded fintech startups.
The Fintech Meetup
Mumbai, India
Built and scaled a fintech accelerator (Mumbai Fintech Accelerator) backed by Govt. of Maharashtra, evaluating 2,000+ startups across payments, lending, and banking verticals.
Drove strategic conversations between startups and BFSI partners (banks/NBFCs/insurance cos) to enable pilots, commercialisation, and solution deployments for cohort startups.
Cultivated 15+ BFSI collaborations (banks, NBFCs, insurers), generating over 50 proof-of-concepts and enterprise integrations for incubated fintech startups across card issuance, API banking, insurtech, and payment processing verticals.
Univen Advisory LLP
Mumbai, India
Go-to-market strategy, pricing, and financial projections for startup clients.
HDFC Bank Ltd.
Mumbai, India
Customer acquisition, compliance, and relationship management.
Professional Program
Rank 2
Masters in Management Studies
Bachelor of Commerce