Harsh Kumar
Gurugram
Summary
Strategic account and partnerships leader with 14+ years turning complex, multi-market enterprise relationships into measurable growth across Asia-Pacific for American Express, Deloitte, and IndusInd Bank. Currently own a $350M+ portfolio of 37 Fortune 500 clients spanning 16 APAC markets in the corporate card business, serving as a strategic leader to global clients and translating their business, travel, procurement, and payment priorities into tailored American Express Global Corporate Card solutions. Drive portfolio expansion and incremental charge volume by identifying client needs and cross-selling solutions across Corporate Cards, Corporate Purschasing Cards, Business Travel Account (BTA), and Corporate Meeting Cards. Known internally as "the dot connector" for bridging global strategy, local execution, and cross-functional teams (Product, Compliance, Risk, Finance) to close complex, multi-year deals. Trusted advisor to C-suite, Treasury, Procurement, and Finance leaders; lead RFP/RFI strategy and GTM positioning to protect and grow enterprise revenue. An Executive Program in AI Leadership (ISB) sharpens a strategic lens on translating automation and digital transformation into tangible business outcomes. Build cross-functional consensus, negotiate high-value commercial agreements end-to-end, and construct executive-level narratives that turn operational complexity into board-ready insight.
Overview
15
15
years of professional experience
Work History
Regional Client Manager, APAC Markets
American Express, Global Client Group (GCS)
Gurgaon
03.2020 - Current
- Own and lead a $350M+ enterprise portfolio spanning 37 Fortune 500 clients across 16 APAC markets, with full accountability for client performance, growth strategy, and executive engagement.
- Serve as trusted strategic advisor to C-suite, Treasury, Procurement, and Finance leaders, building executive-level confidence that translates into expanded scope, renewals, and long-term account retention.
- Lead client-facing strategy for RFP/RFI processes across the region, shaping GTM positioning and competitive differentiation to protect and grow multi-year revenue.
- Provide business consulting to global clients and expand portfolios by cross-selling American Express Global Corporate Card solutions - including Corporate Cards, Business Travel Account (BTA), and Corporate Meeting Cards - aligned to client needs and growth priorities, generating incremental charge volume.
- Lead monthly, quarterly, half-yearly, and annual business reviews with C-suite and senior stakeholders across the Fortune 500 portfolio, using performance insights and client priorities to shape forward-looking 2-3 year account strategies aligned with clients' evolving business direction.
- Serve as the "dot connector" between global strategy and local execution, aligning Product, Compliance, Risk, and Finance to translate enterprise priorities into scalable payment, servicing, and governance solutions across diverse regulatory regimes.
- Influence senior stakeholders across global and local teams to secure sponsorship, build consensus across competing priorities, and drive complex, multi-market initiatives to completion.
- Strengthen APAC governance and risk frameworks, converting operational signals into executive-ready reporting that reduces escalation risk and improves SLA performance, service consistency, and client experience.
Manager, Global Merchant Services
American Express
Gurgaon
05.2018 - 02.2020
- Created global and large-market B2B horizontal and vertical deals for global commercial clients, onboarding global companies through buyer-funded and merchant-funded commercial structures.
- Led enterprise B2B merchant acquisition GTM initiatives, expanding acceptance infrastructure and driving increased commercial card volume.
- Negotiated high-value commercial agreements end-to-end, from structuring through close, aligning merchant economics with corporate procurement and finance priorities.
- Partnered cross-functionally with Product, Compliance, and Operations to deliver scalable merchant solutions under tight, high-stakes timelines.
Account Manager, Clients & Markets
Deloitte India
Gurgaon
08.2016 - 04.2018
- Supported senior partners in managing strategic financial-services accounts (Standard Chartered, RBS), leading account planning for 8 global banks and CXO engagement programs.
- Drove business development through thought leadership campaigns, large client events, and high-impact strategic pitches that strengthened enterprise positioning.
- Enabled cross-functional governance across pipeline generation, marketing initiatives, and client servicing mandates, keeping stakeholders aligned to shared account goals.
- Delivered market intelligence and GTM recommendations that directly informed partner-level decisions and client strategy.
Manager, Commercial Cards
IndusInd Bank
Gurgaon
03.2016 - 07.2016
- Managed end-to-end acquisition and onboarding of commercial card clients, negotiating pricing structures that balanced client needs with governance requirements.
- Collaborated with Product and Technology teams to launch new card solutions, including the Central Travel Account (CTA), expanding the enterprise payments value proposition.
- Built and advanced a strategic deal pipeline of high-potential corporate prospects, engaging senior decision-makers to drive conversion.
Centralized Account Development Manager
American Express
Mumbai
02.2014 - 01.2016
- Managed a portfolio of 70 large-market corporate clients, strengthening relationships and retention through high-touch servicing.
- Partnered with B2B and Product teams to close incremental growth opportunities, expanding adoption of commercial payments solutions.
- Served as subject-matter expert for client servicing, resolving escalations and improving client experience through process clarity.
Merchant Analyst
American Express
Gurgaon
03.2012 - 01.2014
- Resolved complex merchant servicing, payment, and onboarding issues, ensuring accurate settlements for high-value merchants.
- Acted as subject-matter expert within the team, strengthening process consistency and service quality.
- Collaborated with Operations, Compliance, and Product teams to streamline procedures and improve turnaround times.
Education
Executive Program in AI Leadership - Leadership in AI
Indian School of Business (ISB)
Hyderabad2026
Bachelor of Arts -
Khalsa College
Delhi01.2011
Skills
- Senior stakeholder management and C-suite advisory for strategic global corporate and merchant clients
- Project management and cross-functional alignment
- RFP, RFI, and Commercial Negotiation
- Executive Communication and Reporting
- Digital Payments Expert
- The Dot Connector & Courage to Challenge the Status Quo
Timeline
Regional Client Manager, APAC Markets
American Express, Global Client Group (GCS)
03.2020 - Current
Manager, Global Merchant Services
American Express
05.2018 - 02.2020
Account Manager, Clients & Markets
Deloitte India
08.2016 - 04.2018
Manager, Commercial Cards
IndusInd Bank
03.2016 - 07.2016
Centralized Account Development Manager
American Express
02.2014 - 01.2016
Merchant Analyst
American Express
03.2012 - 01.2014
Executive Program in AI Leadership - Leadership in AI
Indian School of Business (ISB)
Bachelor of Arts -
Khalsa College