Ritvik Sinha

• Head of product and founding member of SaaS based payments platform - mobiquity One, which is a one stop solution for all payment needs of digital enterprises
• Leading cross functional team across product, design and engineering for product development pf payment orchestration and wallet as a service propositions
• Leading GTM planning, marketing, analyst relations and strategic partnerships management for mobiquity One platform
• Successfully launched payment orchestration platform in India that helps in improving success rates by 8% along with cost savings of 10%
• Introduced AI enabled smart routing across multiple PSPs
• Built the business case with detailed market research in order to secure funding for the new initiative.

• Head of product and founding member of a new SaaS based initiative on digital payments
• Conceptualized the open API platform of prepaid card issuance and program management.
  • Led initial research and market sizing for the opportunity.
  • Formulated the business case to secure funding for this product
  • Built the product MVP and the USPs
  • Managed the ecosystem partnerships with bank, card networks (Visa, Mastercard) and technology vendors.
  • Built pitch decks for different use cases across multiple segments
  • Planned GTM and worked closely with sales for platform pitch.
• Successfully led transformation of Comviva's flagship digital wallet platform for its largest client in Africa
  

Highlights:
1. Credo award for responsiveness at organization level
2. Top team award for successful transformation of digital wallets platform for a leading client in Africa

• Conceptualized a new product initiative of digital banking experience platform (DBXP) that enables banks to deliver consumer internet grade experiences to banking customers.
• Led product marketing efforts & analyst relations in order to successfully position the product as one of the challenger with coverage across popular analyst (Gartner, Forrester, Omdia) reports
• Managed strategic partnerships with multiple stakeholders across payment ecosystem
• Managed product strategy and growth for contactless payments supporting Visa’s VTS and Mastercard’s MDES card tokenization programs
• Owned and managed the roadmap of digital wallet platform which helps banks and enterprises to launch their own wallet for simplified payments using QR, NFC, cards etc.
  

Highlights:
Credo award for Excellence at organization level

• Managed the entire product life life cycle and roadmap of mobiquity Pay, the leading digital wallet platform with more than 75 deployments across the globe.
• Successfully scaled the digital wallet product’s revenue growth by more than USD 100 million in 3 years.
• Drove the strategic planning and tactical initiatives to leverage the digital wallet platform incorporating faster integrations with third party systems, providing omni channel experience across several digital channels and launch of wallet linked open loop prepaid card with Mastercard and Visa
• Expanded the client base with 10+ enterprise clients by incorporating market requirements of several geographies primarily in South East Asia, Africa, Middle East and LATAM
• Developed competitive positioning, pricing / commercial proposals for customer engagements, ensuring deal profitability.
• Introduced new reusable components to reduce total cost of ownership by 20%
• Developed the go-to market strategy for the product across different markets and geographies and created value proposition and positioning.

Highlights:
Credo award for Customer Centricity at organization level

• Analysis of different financial products for HNI segment – Client Portfolio Management and Institution Wealth Management.
• Investment advisory to clients with customized solutions in Private Banking division of HDFC Bank.
• Consulting on conceptualization of innovative offerings by analysis of market potential and competitive offerings.
• Gathering, analyzing and interpreting complicated numerical information and assessing and predicting financial risks and returns

• Technical Team Lead in ION-Education Vertical, an ERP of TCS for SME on Cloud, offered as SaaS.
• Led technical team of education vertical with 45 team members in product development, with product catering more than 100 clients (Education Institutes – Universities, Colleges and Schools) across India.
• Innovation Lab resource with development experience of MVC Framework architecture and Workflow.
• Subject Matter Expert in Finance & Accounting and Purchase & Inventory areas and Requirements Analyst in SME sector.
• Designed and developed automatic timetable scheduling algorithm.
• SPOC for requirement gathering and integrating other modules of teams located in various geographies across the globe.
• Worked on code optimization and performance improvement and better user experience.
• Owned and ensured successful deployment for all production releases of the campus management system.
  

Highlights:
1. Best Developer Award in TCS Lucknow.
2. TCS Gems award by manager for successful implementation of timetable algorithm