Samik Bhattacharyya
Kolkata
Summary
- Experienced Digital Banking and Payments professional with 18+ years in Corporate Cards, BIN Locking, POS, UPI, BBPS, QR, Payment Gateways, Tokenization, and Fraud & Risk Management. Demonstrated ability in P&L management and digital transformation, achieving significant customer success and growth. Skilled in utilizing AI-driven business intelligence to foster compliance and innovation. Currently positioned as Associate Director and Zonal Head at Razorpay, leading efforts in customer success and product development. (Key industry exposure tenure: 10 years in banking and fintech, 8 years in travel and hotels.)
Overview
19
19
years of professional experience
1
1
Certification
Work History
Associate Director
Razorpay
02.2025 - Current
- Managing entire Eastern Region Premium Portfolio of 678 Cr / Month
- Achieved over ten percent quarter-over-quarter revenue growth through payment gateway and POS initiatives.
- Implemented BIN Locking and Tokenization to improve compliance and enhance security measures.
- Deployed AI-driven analytics using Python, Power BI, ChatGPT, and Claude for fraud detection and customer insights.
- Expanded value-added services including UPI, QR, and EMI, resulting in twenty percent engagement growth.
- Led a 15-member team in developing go-to-market strategies and enhancing customer success efforts.
- Contributed to leadership initiatives focused on portfolio-level profit and loss strategies.
- Designed products and solutions tailored to meet specific entity requirements.
Assistant Vice President
HDFC Bank
Kolkata
09.2015 - 02.2025
- Drove corporate card, UPI, POS, and BIN adoption across Eastern India.
- Directed nine senior managers and twenty-seven ROs, consistently exceeding P&L targets.
- Monitored account-level fraud prevention and implemented AML policies, reducing incidents by 18%.
- Facilitated stakeholder product training for Cards, UPI, and Gateway solutions.
- Championed digital lending initiatives and channel financing strategies.
- Provided product development insights based on regional market needs.
- Delivered custom solutions addressing comprehensive banking requirements.
- Built and recruited high-performing teams to support business level growth
Sales Manager
PL Worldways Ltd.
03.2015 - 09.2015
- Secured over 40+ corporate acquisitions through a targeted corporate travel campaign.
- Executed marketing promotions and events to successfully launch corporate events
- Managed a portfolio of top 30 corporates ensuring optimal performance.
- Drove business development, achieving ten percent month-over-month growth.
Business Development Manager
Four Pillars
06.2013 - 03.2015
- Developed B2B partnerships and digital initiatives for real estate builders in Eastern India.
- Managed portfolio for top 30 builders across Eastern India to enhance business growth.
- Led team of three executives in sales and business development to achieve project goals.
- Organized events for successful project launches, ensuring maximum industry impact.
Branch Manager
Air Asia
03.2011 - 06.2013
- Established Kolkata office, creating foundation for 100 Cr business growth.
- Recruited comprehensive team, including counter executives and corporate sales managers.
- Oversaw operations, account management, counter sales, and corporate sales for entire branch.
- Coordinated three travel fair participations in India, Thailand, and Sri Lanka.
Executive
Marriott Hotels
12.2007 - 02.2011
- Directed corporate sales initiatives, ensuring accurate reconciliations and comprehensive reporting.
- Executed proactive and reactive sales strategies to maximize revenue generation.
- Managed front office operations, enhancing customer service and operational efficiency.
- Oversaw reservation processes, optimizing resource allocation and client satisfaction.
GSA
Ginger Hotels
02.2007 - 11.2007
- Oversaw bulk check-in and check-out processes to enhance operational efficiency.
- Managed reservations and room inventory to optimize occupancy rates.
- Performed night auditing duties to ensure accurate financial reporting.
- Served as front office executive, delivering exceptional guest service and support.
Education
Advanced Strategic Management Programme -
IIM Kozhikode
Kozhikode03-2026
BHM - West Bengal University of Technology
WBUT
Durgapur06-2006
GED -
Banga Vidyalaya (Higher Secondary I.e 12th Grade))
Kolkata06-2003
GED -
Kanailal Vidya Mandir (Class 10th)
Kolkata05-2001
Skills
- Corporate card management
- BIN locking and tokenization
- UPI and payment gateways
- Point of sale systems
- BBPS integration
- Risk and fraud prevention strategies
- AI tools: ChatGPT, Claude, Jasper
- DeepSeek and Mid Journey expertise
- DALL-E applications
- Power BI with AI capabilities
- Stable diffusion techniques
- Python programming
- P&L ownership
- Go-to-market strategy
- Merchant acquisition strategies
Ecosystem partnership development
- Customer retention initiatives
- CX excellence practices
- Value-added service delivery
- Fraud detection models implementation
- Predictive insights generation
- AI dashboard creation
- Process automation solutions
- Recruitment and training programs
- Change management processes
- Performance optimization techniques
Certification
- FATF
- PAML
- AML compliance
- Certified from Course IV for Chat GPT, Mid Journey, Deep Seek, Claude AI, Dall-E, Stable Diffusion
- Certified for AI-enabled Power BI workshop from Skill Nation
- Power BI with AI
- Python automation
- Advanced Strategic Management – IIM Kozhikode (on going)
Other Details
English, Hindi, Bengali, Chess, Music, Photography
Core Competencies
- Corporate Cards, BIN Locking, UPI, POS, Payment Gateway, BBPS, Tokenization, Risk & Fraud Prevention, ChatGPT, Claude, Jasper, DeepSeek, MidJourney, DALL
- E, Stable Diffusion, Python, Power BI with AI, P&L Ownership, GTM Strategy, Merchant Acquisition, Ecosystem Partnerships, Customer Retention, Retention, Expansion, CX Excellence, Value-Added Services, Fraud Detection Models, Predictive Insights, AI Dashboards, Process Automation, Recruitment, Training, Change Management, Performance Optimization
Accomplishments
- Highest achiever award received in 2017, 2018, 2021, and 2024 for overachieving the scorecard/OKR (Org HDFC Bank)
- Received a leadership award in 2021 for the top-performing cluster.(Org HDFC Bank)
- Received the award for fastest growing branch in 2012 (org- Airasia)
Timeline
Associate Director
Razorpay
02.2025 - Current
Assistant Vice President
HDFC Bank
09.2015 - 02.2025
Sales Manager
PL Worldways Ltd.
03.2015 - 09.2015
Business Development Manager
Four Pillars
06.2013 - 03.2015
Branch Manager
Air Asia
03.2011 - 06.2013
Executive
Marriott Hotels
12.2007 - 02.2011
GSA
Ginger Hotels
02.2007 - 11.2007
Advanced Strategic Management Programme -
IIM Kozhikode
BHM - West Bengal University of Technology
WBUT
GED -
Banga Vidyalaya (Higher Secondary I.e 12th Grade))
GED -
Kanailal Vidya Mandir (Class 10th)