Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Alaap Chatterjee

Payments Business | Retail Distribution
A702 Raj Horizon Ramdev Park Mira Road Thane

Summary

Banking professional with over 12 years of experience in Payments Industry with exposure to both Acquiring & Issuance Businesses.


Competency in managing Business operations and implementing strategies towards enhancing market penetration, business volume & growth.


Outstanding contribution in conceptualizing & implementing digital products, including UPI,BQR and SMS Pay.

Overview

18
18
years of professional experience
5
5
years of post-secondary education
3
3
Languages

Work History

DVP & Regional Head - Merchant Acquiring (Retail)

HDFC Bank Ltd
Mumbai
12.2018 - Current
  • Managing end to end Business of POS Merchant Acquiring right from new acquisition to existing portfolio Management for entire Mumbai Metropolitan Region including Raigad district.
  • Leading a team of 300+ Sales/Relationship officers, 30 Sales & Relationship Managers and 5 Supervisors.
  • Responsible for increasing Retail POS acquiring market share for the Bank by acquisition of new Merchants & liability relationships along with retention & growth of the existing portfolio.
  • Handling a acquiring portfolio (Retail) of 650 Crs & acquisition of 800-900 new outlets/Merchants every month.
  • Conceptualizing & implementing sales strategies with focus on growing business volumes, customer base and cross
    sell of other Bank products such as Credit Cards, Loans & CASA.
  • Devising strategies to grow volumes on EMI/DCC to increase profitability in the book.
  • Enabling alliance programs & tie ups between the Bank & Merchants to increase card volume throughput thereby driving more business for the Merchant.

AVP & Zonal Head - Corporate & Institutional Sales

HDFC Bank Ltd
Mumbai & Gujarat
08.2017 - 11.2018
  • Managing a team of Senior Key Account Managers across Mumbai and Gujarat.
  • Responsible for management of existing portfolio, acquisition of new clients and overall growth in portfolios across all payments products – Commercial Cards, PoS, Payment Gateway and Prepaid Cards (INR & FX) through team of KAM’s.
  • Core KRA involves achieving annual growth targets across Commercial cards and Merchant acquiring both in the online and offline space.
  • Focused on increasing Topline thru Commercial Card products like Purchase Cards, Utility Cards & Vendor Payment B2B Card Solutions and Bottomline thru conventional Corporate Card products for T & E expenses of corporates.
  • On the Merchant acquiring side responsible for growing the portfolio along with managing profitability as well by pushing more Debit card and Onus spends.
  • Running joint marketing campaigns with strategic Merchants to propel Onus Spends.
  • Conducting special programs for growth in DCC Spends – a very important driver for profitability in Merchant Acquiring business.
  • Liaise with Product & Operations team for roll out of new programs or tweaking in existing product structure & pricing interventions.
  • Front ending various corporate requirements wrt regulatory changes as well with Product and Ops team.
  • Some of the Large marque Accounts Managed – Reliance Industries Ltd, Arvind Lifestyle, Kotak Life Insurance, Aditya Birla Sunlife Insurance, Adani Group, Dmart etc

Area Head- Key Accounts

HDFC Bank Ltd
Mumbai
04.2016 - 07.2017
  • Managing a team of 7 Key Account Managers for Mumbai region & responsible for PoS portfolio growth and new Merchant Acquisition.
  • Responsible for managing all large Key Accounts of Mumbai for POS Merchant Acquiring having monthly volumes of more than 5 Lacs.
  • Assigning champions for all key objectives within the team which helped them to take ownership and prepare them for their next level respectively.
  • Getting to team to sign up alliance programs with existing Merchant’s to drive more Onus spends.
  • Doubled portfolio growth from 550 crs to 1000 crs by end of FY 17-18.

Relationship Manager/Sales Manager/KAM

HDFC Bank Ltd
Mumbai
10.2009 - 03.2016
  • Managed multiple stints of RM / SM /KAM and was responsbile to manage and grow POS business in retail & Key Merchants segment.
  • Was responsible for managing Western Suburbs portfolio between Andheri- -Virar at various times throughout this stint.
  • Key objective was to manage existing set of Merchant’s and ensure the portfolio grows by preventing attrition and eliminate competition Bank volumes wherever identified within the portfolio.
  • Push EMI conversions where ATS was on the higher side along with DCC conversion for counters which were high on FX.
  • Market scoping along with branch banking team for Competition Sourcing within the allocated geography.
  • Assist Merchant’s with marketing campaigns for better visibility of their products within the Bank’s domain and customer base.

Major Account Manager

Loop Mobile India Ltd
Mumbai
08.2008 - 09.2009
  • Responsible for sourcing new Corporates for postpaid Voice connections of Loop Mobile.
  • Meeting with decision makers in Finance and Treasury teams of corporates and giving them presentation on cost benefit analysis for coming onboard from competition operators.
  • Co-ordinating with Product & Marketing teams for pricing requirements of corporates for fructifying the deal.
  • Maintaining daily Runrates of 5-7 postpaid activations to achieve monthly targets.

Service Relationship Manager

Bharti Airtel Ltd
Mumbai
07.2006 - 07.2008
  • Managing a portfolio of Postpaid clients from IT, ITES, PSU, BPO, Financial and Banking sector clients.
  • Responsible for all service oriented issues and concerns of clients along with attending to network complaints and resolving them.
  • Conducting regular Account Clean up activities and Service Camps within Customer premises to attend disputes and complaints of corporate customers thereby ensuring smooth account management.
  • Handling Data related products like Blackberry and Data Card along with upselling of Data products and Packages like Bridge Data Roam.
  • Also responsible in collections and churn reduction to less than 2% of total portfolio base.

Customer Care Executive

BPL Mobile Communications Ltd
Mumbai
06.2004 - 06.2006
  • Worked as a Customer care representative in the inbound call center of BPL Mobile.
  • Conducting training and refresher sessions on technical products like GPRS/MMS/WAP for new recruitments.
  • Engaged in Customer Retention Activities & Provision of first time resolution on all inbound calls related to service, enquiries and complaints.
  • Benchmarks: Maintaining an average of 8 hrs login,150-170 calls with a talktime of less than 150 seconds.

Education

Bachelor of Mass Media - Media & Communications

Rizvi Collecge of Management Studies
Mumbai
04.2002 - 03.2005

HSC - Commerce

Rizvi College of Arts, Science & Commerce
Mumbai
04.2000 - 04.2002

SSC -

St. Andrews High School
Mumbai
04.2000 - 04.2000

Skills

    Channel Management

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Accomplishments

  • Promoted 4 times within a tenure of 10 years in HDFC Bank.
  • Scaled through the ranks from being a Sales Manager to Regional Head in 10 years.
  • Rated as a Talent Pool employee for 3 consecutive FY’s – 2016-17, 2017-18 & 2018-19.
  • Won ‘Everybody Wins’ Contest in HDFC Bank Ltd for achieving a score in excess of 160 in 2018.
  • Won’Excel to Excellence’ Contest in HDFC Bank Ltd in 2016
  • Won ‘I am contributor’ contest for sales drive in HDFC Bank in 2015.
  • Won CASA Drive contest in 2015
  • Won ‘Players vs Winners’ contest for sales drive in HDFC Bank Ltd in 2014.
  • Presented with the Bravo Award for excellent Customer Response and Relations in 2008

Timeline

DVP & Regional Head - Merchant Acquiring (Retail)

HDFC Bank Ltd
12.2018 - Current

AVP & Zonal Head - Corporate & Institutional Sales

HDFC Bank Ltd
08.2017 - 11.2018

Area Head- Key Accounts

HDFC Bank Ltd
04.2016 - 07.2017

Relationship Manager/Sales Manager/KAM

HDFC Bank Ltd
10.2009 - 03.2016

Major Account Manager

Loop Mobile India Ltd
08.2008 - 09.2009

Service Relationship Manager

Bharti Airtel Ltd
07.2006 - 07.2008

Customer Care Executive

BPL Mobile Communications Ltd
06.2004 - 06.2006

Bachelor of Mass Media - Media & Communications

Rizvi Collecge of Management Studies
04.2002 - 03.2005

HSC - Commerce

Rizvi College of Arts, Science & Commerce
04.2000 - 04.2002

SSC -

St. Andrews High School
04.2000 - 04.2000

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Alaap ChatterjeePayments Business | Retail Distribution