Rahul Gupta

Key Responsibilities & Achievements:

• Led solutioning and feature development for UPI, UPI Autopay, NACH, SmartCollect, and Escrow.
• Managed full product lifecycle: bank onboarding, launch, compliance, SR optimization & pre & post payment journey.
• Built partnerships with 10+ banks and NPCI for integrations, enhancements, and compliance.
• Spearheaded 4+ new bank integrations across UPI, Autopay, SmartCollect, and eNACH.
• Delivered flows like PACB, real-time and BSE settlements for new merchant use-cases.
• Executed NPCI projects: Promotional QR (GFF), UDIR, OTM, CC/CL on UPI, and PPI onboarding.
• Launched Razorpay's in-house UPI switch with partner bank for improved control, SR & new features.
• Resolved systemic SR/TPS issues in UPI & NACH with partner banks for top merchants.
• Initiated gateway cost savings via dynamic routing and capability/feature-based mapping.
• Mentored one team member for project delivery and stakeholder coordination.

Critical Project Delivery:

• Enabled 1,000+ merchant onboarding in 30 days post-embargo with multi-bank onboarding.
• Achieved ₹200+ Cr/month GMV in 3 months via CC, CL & PPI on UPI rollouts.
• Led escrow setup & nodal closure post-RBI PA license with settlement/payout integrations.
• Recovered ₹4 Cr stuck in legacy NACH flows through process redesign.

Escrow Product Compliance:

• Managed escrow consolidation across partner banks post-PA license.
• Executed merchant mapping, payout API integration, and escrow alignment.

Ongoing NPCI & Market Projects:

• Leading initiatives like UDIR, Surcharge model on UPI, SBMD, and GFF-aligned UPI/mandate launches.

• Owned bank relationships across UPI, Netbanking, Wallets, and Affordability.
• Led strategic go-lives incl. Kotak, Indian, Cosmos Bank for UPI, and 10+ netbanking integrations (e.g., IDBI, Canara, RBL).
• Delivered UPI P2M via RuPay Credit Card support with ICICI, Yes Bank, IndusInd.
• Launched OTM product first in ecosystem for IRCTC.
• Drove cross-functional coordination for wallet offers, pricing updates, TATs, and success rates.
• Guiding a junior team member in daily operations, documentation, and coordination tasks.
• Awarded GEM (Great Employee Mindset) Award for outstanding performance.

• Delivered API-based cash management solutions like eNACH, H2H, Netbanking, Payment Gateway.
• Managed internal and external stakeholder coordination incl. ERP vendors and banking operations.
• Provided tailored cash/cheque collection solutions using CDM Machines and offline tools.
• Recognized as Employee of the Month for 3 consecutive months.