Bharat Satya Dev Gutta
Hyderabad
Summary
Dynamic founder with a proven track record in payment solutions, successfully scaling NPay to 50,000+ transactions monthly. Formerly at Wells Fargo, I excelled in financial analysis and compliance. Skilled in API product management and partnership development, I thrive on driving growth and innovation in the fintech landscape.
Overview
9
9
years of professional experience
Work History
Founder
NPay
Hyderabad
12.2019 - 03.2025
- Company Overview: Payment solutions provider leveraging the Bharat Bill Payment System (Bharat Connect)
- Founded and led NPay, a payment solutions provider leveraging the Bharat Bill Payment System (Bharat Connect), from inception to successful acquisition by Wegofin
- Developed the core business strategy, focusing on onboarding Service Providers (Broadband, Cable TV, Piped Gas) and enabling payment collections via API integration and direct links
- Scaled operations, achieving a peak monthly volume of 50,000+ transactions valued at ~₹3.8 Crore, demonstrating consistent ~10% month-over-month growth
- Successfully managed the acquisition process, resulting in NPay's exit to Wegofin in March 2025
- Conceptualized and guided the development (with a technical partner) of an API product enabling both BBPS flows: Service Provider Onboarding and Payment Collection
- Integrated NPay's collection capabilities with 70+ payment apps (including PhonePe, Paytm, Google Pay) and provided a proprietary payment link solution
- Managed end-to-end operations including finance, marketing, sales, technical & functional support for onboarded billers with a lean 2-person team
- Onboarded and managed relationships with 160+ billers nationwide across targeted service categories
- Established key partnerships with banks (Axis Bank) and payment gateways (CC Avenue) to facilitate seamless payment processing
- Built relationships with industry vendors in the Broadband and Cable TV sectors
- Payment solutions provider leveraging the Bharat Bill Payment System (Bharat Connect)
Associate Financial Analyst (Loan Document Specialist)
Wells Fargo
Hyderabad
09.2016 - 04.2018
- Company Overview: A leading global financial services company
- High-performing specialist in US Home Lending documentation and eligibility verification
- Processed an average of 100 US home lending applications daily, ensuring adherence to bank policies, investor guidelines, and compliance standards
- Evaluated applicant financial eligibility, verified credit scores, and meticulously reviewed submitted documentation for accuracy and completeness
- Accurately classified and labelled loan documents within the system; identified discrepancies and processed rejections according to established criteria
- Achieved 'Top Performer' status for 4 consecutive months, maintaining a record of zero compliance escalations
- A leading global financial services company
Education
Master's - International Business
EAE Business School
Barcelona, Spain01.2015
Bachelor of Science (B.Sc) - Computers
Acharya Nagarjuna University
Andhra Pradesh, India01.2014
Skills
- Bharat Bill Payment System (BBPS/Bharat Connect)
- API Product Management
- Payment Gateway Integration
- Biller Onboarding
- Payment Collections
- Startup Leadership
- International Business
- Business Planning & Development
- Market Research
- Operations Management
- Partnership Management
- Financial Analysis
- Sales & Marketing
- Client Support
- Project Management
- Presentation Skills
- API Concepts & Management
- Microsoft Office Suite (Word, Excel, PowerPoint)
- Business strategy
- API integration
- Payment processing
- Transaction management
Projects
Airline Business Simulation (Team Project), Collaborated within a team to manage a simulated airline, successfully developing and implementing strategies that led to achieving profitability through market analysis, operational adjustments, and financial planning. Business Plan Development - Old Age Home, Majorca (Team Project), Co-developed a comprehensive business plan for establishing an old-age home facility in Majorca, Spain. Involved market research, service definition, financial projections, operational planning, and presented the final plan.
Awards Recognition
- Citi Bank Grant, Received grants totalling ₹10 Lakhs for NPay.
- Telangana State Grant, Awarded ₹2 Lakhs grant for NPay.
- Bharat Bill Payment System (BBPS) Prize, Won ₹1 Lakh prize for NPay's WhatsApp-based payment collection solution.
Personal Information
Available: Immediately Available for Joining
Languages
Telugu
First Language
English
Proficient (C2)
C2
Spanish
Beginner
A1
French
Beginner
A1
Timeline
Founder
NPay
12.2019 - 03.2025
Associate Financial Analyst (Loan Document Specialist)
Wells Fargo
09.2016 - 04.2018
Master's - International Business
EAE Business School
Bachelor of Science (B.Sc) - Computers
Acharya Nagarjuna University