ANAND PANDA
Bangalore
Summary
Business leader with a track record of delivering impactful growth through direct client engagement, developing strong product capabilities, and investing in long-term talent.
With experience across Banking and Fintech, I bring a hands-on understanding of building sustainable businesses, with the agility and deep detailing required to build technology solutions.
Beyond my responsibilities in business role, I have worked on corporate strategy, new product development and regulatory/ compliance led policy frameworks.
I have persistently contributed to a culture that puts respect, integrity, expertise and curiosity as essential part of a collaborative work environment.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Head - Digital Business & Global Payments
BillDesk
Bangalore
08.2020 - Current
- Delivering payment experiences and platforms for Enterprise clients, with responsibility for P&L growth and coverage strategy
- Developed the Big Tech portfolio across the commercial framework, product execution, and service delivery approach, leading to a Total Payment Volume base of $13 billion, with a 30% five-year CAGR
- Constantly engage with the client leadership group across RFPs, product workshops, and custom projects, achieving 60-100% of overall business flows and under key regulatory transitions
- Working closely with BillDesk founders to achieve strategic goals around global payments product execution, regulatory compliance, and corporate communications
- Developed a new capability to serve early-stage startups and SMBs by offering the BillDesk Payment App on 14 leading e-commerce platforms, with go-live timelines reduced by over 70%
- Represented BillDesk in industry and merchant forums around regulatory frameworks and impact assessments
Regional Sales Manager
Citibank
05.2006 - 08.2020
- Led P&L, coverage strategy, and client experience for the largest region in the Commercial Subsidiaries Group in India, with a revenue base of $38 million
- Achieved 24% year-over-year growth, leveraging U.S., APAC, and EMEA country teams in supporting transaction banking and strategic deal execution
- Developed dedicated coverage for Global Capability Centers, technology companies with dedicated FX solutions
- Focused on developing high enterprise talent to deliver solutions across Risk management and Treasury products
Head - Global Digital Segment, India
Citibank
09.2017 - 10.2019
- Led the coverage strategy for India, covering Fintech, Marketplace, Mobility, and Enterprise Software companies
- Developed a structured execution model for unicorns and category leaders, leading to an active relationship with 14 (out of 21) unicorns at the founder level
- Led the Commercial Cards solutioning, credit monitoring, and scale-up with India's largest online travel agent, achieving 7x growth in revenue
- Executed $4 billion of equity investments from private equity and venture capital firms, and revenue growth of 48%, putting the India business among the top three globally
- Achieved the highest Employee Satisfaction Score as a team lead, and the Top 4 Client Satisfaction Score in the APAC Region
Lead - Business Development
Citibank
12.2011 - 08.2017
- Led new initiatives in Public Sector - Cash Management Solutions, Liquidity & Investment Products and Cross-border M&A Execution
- Developed the M&A execution business along with product strategy, delivering 157% revenue growth (3yCAGR)
- Launched a pioneering payment solution focused on Public Sector e-procurement with a Fintech partner leading to 3x growth in mandate wins
Vice President - Relationship Manager, SME
Citibank
05.2006 - 12.2010
- Managed and also originated new business across a portfolio comprising Private Equity, foreign subsidiaries, IT/ITES companies, with a revenue base of $1.2 Mn
- Developed Intermediaries Network comprising Top-tier law firms, to execute Cross border M&A and new client origination
Area Sales Manager
Standard Chartered Bank
07.2005 - 04.2006
- Led Credit Card origination through Direct & Channel partner team of 400+ HC
- Returned Channel Partner business to profitability with team restructuring
Territory Manager
Citigroup - Citicorp Finance India Limited
10.2003 - 06.2005
- Led Direct & Channel Business in Asset Based Finance across origination and portfolio growth
- Responsible for partnership engagements with OEMs, develop offers and manage profitability of the business
- Got awarded for business growth and delinquency controls
Sr. Sales Officer
Tata Motors
04.2002 - 09.2003
- Led new product marketing and sales of a light commercial vehicle, setting up the Distribution model & Sales Channel
- Grew market-share from 3% to 38% in 8 months improving on after-sales experience, and partnering with in-house and external NBFCs
Education
Business Analytics & Intelligence -
Indian Institute of Management Bangalore (IIMB)
2021
MBA -
Xavier Institute of Management (XIMB)
2002
B.Tech - Production Engineering
Veer Surendra Sai University of Technology
2000
Skills
- Revenue & Business leadership
- New product development/ GTM
- Consultative engagement with leadership teams
- Developing values-driven people culture
- Strategic partnerships
- Risk & Governance frameworks
- Corporate development
Certification
- Better Leader, Richer Life - The Wharton School, Univ. of Pennsylvania - Courser.org
- Digital Transformation - BCG & University of Virginia - Coursera.org
- Commercial Problem Recognition & Intermediate Risk Training - Citibank
Timeline
Head - Digital Business & Global Payments
BillDesk
08.2020 - Current
Head - Global Digital Segment, India
Citibank
09.2017 - 10.2019
Lead - Business Development
Citibank
12.2011 - 08.2017
Regional Sales Manager
Citibank
05.2006 - 08.2020
Vice President - Relationship Manager, SME
Citibank
05.2006 - 12.2010
Area Sales Manager
Standard Chartered Bank
07.2005 - 04.2006
Territory Manager
Citigroup - Citicorp Finance India Limited
10.2003 - 06.2005
Sr. Sales Officer
Tata Motors
04.2002 - 09.2003
Business Analytics & Intelligence -
Indian Institute of Management Bangalore (IIMB)
MBA -
Xavier Institute of Management (XIMB)
B.Tech - Production Engineering
Veer Surendra Sai University of Technology
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