RAHUL KUMAR
Gurgaon
Summary
Accomplished professional with 12+ years of experience spanning alliances, partnerships, business development, project & product management, sales, and operations strategy across diverse sectors including banking, eCommerce, FMCG, and automobile industries. Demonstrated leadership in both startup and established corporate environments. Dedicated to leveraging expertise in digital payments, banking alliances,payments partnerships and financial services.
Overview
14
14
years of professional experience
Work History
AD-II, Revenue & Partnerships, Payments
Tata Digital
Gurgaon
08.2022 - Current
- Developed and executed strategic partnership strategies, establishing collaborations with 20+ banks and fintech partners for Tata Digital & Tata brands including Croma, Cliq, 1Mg, Bigbasket, IHCL, Titan, Tanishq, Tata Play, Tata AIA, Tata Motors, etc
- Managed relationships with fintech partners, driving revenues and cost optimization for increased profitability across products such as Payment Orchestrator Infra, Payment aggregation, UPI, BBPS, BNPL, Tokenisation, PPI, Digital Escrow, etc
- Collaborated with cross-functional teams to integrate fintech solutions into new or existing products/services, facilitating joint product development initiatives with fintech partners
- Operationalization & Commercialization of Tata Neu UPI ,Tata Neu-Agent Institution- BBPS,Tata PA ,Tata Paylater,Tata Neu HDFC Co-brand Card(Across Tata Brands) Drove revenues in Tata Digital through payments & financial services products, achieving 100%+ YOY revenue growth with 25%+ operating margins and annualized payment TPV of $2.5Bn
- Stayed updated on industry trends, regulatory changes, and competitive landscape to provide support in Payment & FS infra & compliance for Tata Digital & Tata brands
- Developed Tata group Banking alliances program for Tata Neu Super app,Tata Neu HDFC Co-brand card & Tata brands, securing 25cr sponsorship for driving business and user growth across categories
- Achieved 2.4x spends growth and 0.5Mn user growth for Tata Neu & Tata Neu HDFC Co-brand card through Banking & Network partnerships.
AVP, Global Digital Accounts, Wholesale Payments
HDFC Bank Ltd
Gurgaon
09.2018 - 08.2022
- Managed alliances & partnerships with Global MNCs, Aggregators & Fintech for payment,fintech products & API requirements
- Responsible for driving GMV, revenues, and P&L of large clients (Direct & Aggregator business) across various products including Payment Gateway (Cards, UPI, QR, Netbanking, Wallet), EMI, Flexipay (BNPL), and UPI PSP partnerships
- Led project discussions with MNCs and Fintechs, aiding in finalizing product business cases
- Drove product strategy and implementation for key digital payment solutions, incorporating banking API requirements across consumer & business credit cards, lending, savings & current accounts
- Coordinated with compliance, policy, risk, technology, and operations teams to ensure timely project delivery
- Managed a portfolio of 30300crs ($3.75Bn annualized GMV) payment gateway volumes
- Added $1Bn annual GMV from new alliances (Global MNCs & Fintech) across Cards & UPI, achieving a 10% QoQ portfolio growth
- Led the instant onboarding API project for acquiring merchants on UPI platform
- Implemented network tokenization for key clients
- Instrumental in making UPI PSP partnerships live for key players in the Indian ecosystem.
City Planner (Manager, Business Strategy)-BD
Little Internet Pvt Ltd
Gurgaon
11.2015 - 07.2018
- Worked as City Planner for NCR area driving city GMV, P&L and merchant acquisition
- Handled a sales team of 20 including KAM & Clusterheads
- Crafted and manifested the value proposition of Little app, to merchant partners (a Hyper local app/product to discover deals and discount on the go)
- Devised sales strategy for merchant acquisition, client management and revenue generation
- Monitored the merchant feedback to improve the service offerings and present the metrics such as % sales growth, penetration in new markets, order rate, average ticket size and longevity of client association etc
- Part of central crack team (Sales strategy team) to carry out central marketing or sales initiatives in the city in terms of route to market strategy, product launch strategy
- Worked on sales data analytics (Power BI, Excel, Aws) and provided actionable business insights for driving growth of city in terms of GMV and topline
- Achieved quarterly growth of 60% in terms of GMV for NCR region
- Achieved best coverage of merchants (2500+) and maximum deals (9000+) with max NPS and minimum denials (Food Beverages, Spas/Salons and Things to do/Entertainment categories) for Little in India.
General Manager, Operations & Strategy
Tierra Food India Pvt Ltd
Kochi
04.2014 - 11.2015
- Sales & Strategy: Collaborated with MD on strategic planning, contributing to the formulation of growth strategies
- Supported MD in investor pitches, aiding in fundraising efforts from venture capitalists (VCs)
- Participated in sales and distribution planning, and contributed to the development of marketing strategies
- Spearheaded business development in MENA regions and Srilanka, resulting in an additional annual revenue of 2.2cr
- Played a pivotal role in enhancing the company's value chain activities, implementing best practices in sales, marketing, distribution, logistics, and operations
- Operations Role: Served as Head of Operations, overseeing a team of 56 staff members
- Managed end-to-end supply chain operations, production planning, and new product development
- Led the supplier selection process, including RFQ issuance, technical discussions, negotiations, and purchase order issuance
- Conducted cost reduction activities with suppliers through VA/VE activities, yield improvement, and alternate source development
- Directed the S&OP planning process,demand & supply planning through forecasting & trend analysis collaborating closely with sales and marketing teams
- Implemented measures to optimize vehicle utilization and reduce logistics costs, achieving a 25% reduction
- Improved company gross margin from 28% to 35% by increasing raw material yield, reducing logistics costs, and implementing cost reduction initiatives
- Successfully launched 8 new SKUs, expanding the company's product portfolio.
Assistant Manager, Market Quality Assurance
Maruti Suzuki
Gurgaon
06.2010 - 06.2012
- Performed root cause analysis of quality problem in cars reported from market using Fish Bone diagram, Why-Why analysis, PDCA and other quality tools coupled with warranty data analytics and implemented countermeasures
- Reduced warranty cost of parts related to transmission, cables and accelerator pedal by 12% in 2011-12
- Attended critical customer complaints and handled various issues of service campaigns and product recalls
- Proactively upgraded the design based on existing market feedback and conducted Voice of Customer survey
- Awarded “the Best G.E.T Project award” for year 2010 for Capacity Enhancement of Eeco Line
- Won two Quarterly achievement award for handling customer complaints and cost savings of INR5.6 million.
Education
PGDM -
Indian Institute of Management (IIM) Indore
03-2014
Exchange -
ALBA Graduate Business School, Athens
12-2013
BTech -
National Institute of Technology (NIT), Jamshedpur
05-2010
Skills
- Payment & Fintech-Alliances and partnerships
- Business development
- Revenue Management
- Cost Optimization
- GTM & New product launch
- Project & Product management
- Sales & Operations strategy
- Banking alliances & sponsorship
- Offer & Campaign execution
Personal Information
- Total Experience: 12 years
- Date of Birth: 06/21/87
Timeline
AD-II, Revenue & Partnerships, Payments
Tata Digital
08.2022 - Current
AVP, Global Digital Accounts, Wholesale Payments
HDFC Bank Ltd
09.2018 - 08.2022
City Planner (Manager, Business Strategy)-BD
Little Internet Pvt Ltd
11.2015 - 07.2018
General Manager, Operations & Strategy
Tierra Food India Pvt Ltd
04.2014 - 11.2015
Assistant Manager, Market Quality Assurance
Maruti Suzuki
06.2010 - 06.2012
PGDM -
Indian Institute of Management (IIM) Indore
Exchange -
ALBA Graduate Business School, Athens
BTech -
National Institute of Technology (NIT), Jamshedpur
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