Sanjay Bhoite

• As Unit Head of the Business Solution Group at YES BANK, I demonstrated strong leadership, ownership, and delivery excellence across multiple large-scale, high-impact initiatives in Digital Payments and Corporate API Banking.
• My contributions directly influenced the bank’s strategic positioning, regulatory compliance maturity, digital modernization, and P&L performance, while successfully navigating complex programs across UPI, CBDC, and API ecosystems.
• I consistently stepped up to lead emerging regulatory and infrastructure mandates while managing ongoing transformation journeys—showcasing a high level of agility, strategic foresight, and cross-functional influence.
• Strengthening Core UPI Infrastructure & Cloud Transformation
• Led end-to-end migration, implementation, and compliance management of multiple UPI-switch platforms across on-premise and cloud environments—significantly enhancing resilience, scalability, and YES BANK’s leadership in the UPI payments space.
• Pioneered the bank’s first AWS-hosted UPI-switch rollout, establishing a blueprint for cloud-native architecture in a regulated setting in line with RBI policy and greatly improving system availability.
• Designed a scalable governance framework—complete with SOPs, risk controls, and operational checklists—to enable repeatable, compliant onboarding of TSP’s and fintech partners.
• First-of-its-Kind UPI TSP-Switch Insourcing
• Spearheaded the insourcing of Paytm’s UPI TSP switch into YES BANK’s AWS environment in just four months—transforming the bank from TSP partner to switch host and unlocking superior commercial and operational control.
• Executed a similar insourcing of PhonePe’s UPI TSP platform into the bank’s hosted data center, fully aligning with governance, security, and IT policies while reinforcing YES BANK’s position as a regulated-switch innovator.
• CBDC Leadership & Ecosystem Enablement
• Championed YES BANK’s participation in the RBI CBDC pilot, successfully launching the bank’s CBDC platform within mandated timelines as part of first cohort bank.
• Enabled Cred and MobiKwik as the first third-party application providers to integrate with YES BANK’s CBDC ecosystem, cementing the bank’s pioneering role in digital-currency enablement.
• Devised and led a UTXO migration strategy for CBDC, later adopted as a reference model by NPCI and RBI—demonstrating significant ecosystem-wide thought leadership.
• Corporate API Enablement & Middleware Modernization
• Directed the corporate API onboarding and migration program, enrolling 300+ corporate clients in FY 24–25 and enabling seamless API-based collections and payouts that boosted Average Monthly Balances.
• Modernized legacy API stacks into a cloud-ready middleware framework, improving resilience, scalability, and time-to-market for client integrations.
• Institutionalized API governance through playbooks, SOPs, and a scalable onboarding model to support rapid fintech and corporate growth.
• Regulatory Excellence – RBI IT Outsourcing (ITOS) Implementation
• First in the bank to interpret and implement RBI’s ITOS policy for hosted-application vendors, conducting comprehensive vendor due diligence, risk classification, and compliance mapping for critical payment systems.
• Embedded contractual risk controls, availability commitments, and service-level guarantees into vendor MSAs, mitigating legal, reputational, and operational risks.
• Ensured ongoing audit readiness by integrating application-hosting best practices, TSP engagement protocols, and robust platform-architecture controls into delivery cycles.
• Financial Discipline & Cost Governance
• Delivered all strategic programs—including UPI-switch insourcing, CBDC rollout, and corporate API enablement—within 95% of approved Capex/Opex budgets through proactive vendor negotiations, rigorous scope-effort validation, and milestone-linked cost monitoring.
• Strategic Governance, Leadership & Culture Building
• Established a standardized governance framework for third-party UPI-TSP insourcing projects, fostering consistent oversight and accountability.
• Cultivated a culture of cross-functional collaboration across Product, Business, Compliance, Risk, InfoSec, DevOps, Operations, Procurement, and Legal teams.
• Promoted inclusion, ethical engagement, and long-term partnership, aligning internal and external stakeholders around shared goals and delivering sustained, high-impact outcomes.

• Provided consulting and presales support across a range of FIS solutions including the Enterprise Payment Hub (OPF), Enterprise Fraud and Risk Management (EFRM) platform, and card payment products such as Payment Switch, Debit & Prepaid Card Management, and Webpay Payment Gateway.
• Led client requirement gathering, solutioning workshops, and functional analysis, mapping customer needs to FIS’s payment and risk management solutions.
• Developed customized solution approaches and technical responses aligned with prospect/client business goals; prepared proposals, scope documents, and business presentations tailored to regional and market-specific contexts.
• Collaborated with cross-functional teams to create compelling demonstrations, proof-of-concepts, and participated in solution walkthroughs during RFP and RFI processes.
• Played a pivotal role in sales enablement, working alongside sales teams to build solution confidence and obtain internal buy-in through FIS’s solution assurance and commitment processes.
• Interacted with third-party vendors to assess and propose integrated solutions where required, ensuring seamless interfacing with client ecosystems.
• Provided structured feedback to global product teams, influencing product roadmaps by relaying market needs, competitive insights, and client expectations.
• Contributed to enterprise-level engagements by articulating FIS’s value proposition in digital payments, fraud management, and enterprise-grade switching platforms.

• Led the design, strategy, and implementation of next-gen digital payment platforms across multiple geographies (India, UAE, Africa, USA).
• As Head of the Payments Expert Group and Product Owner, provided product vision, roadmap direction, and functional consulting for enterprise-grade ACH, UAEDDS, RTP, and corporate mandate processing platforms.
• Enabling payment modernization across domestic and international markets.
• Received NPCI’s National Payment Excellence Award in 2013 and 2017 for implementation of Flux Paydirect platform for INDIA NACH.

• Led the setup and operationalization of a payment’s technology support unit in Mumbai for EMEA markets.
• Directed implementation and post-go-live support for mission-critical treasury and payments applications, ensuring alignment with UK-based business and technology stakeholders.
• Implemented and monitored ITIL-aligned production processes including SLA adherence, incident/change management, and capacity planning for iDDA (DDA/Temenos T24 platform), iBUS (middleware built on AG WebMethods) and iACH (ACH system on Dovetail platform).

Delivered large-scale payment modernization programs, leading pan-India support for Logica Payment Hub and Liquidity Management solutions across 12+ PSU, private, and MNC banks.

Built and managed the RTGS Participant Institution (PI) Support Program, implementing and supporting 60+ RTGS PI gateways across Indian banks.

Managed implementation and ongoing support for the SWIFT Gateway platform for a leading Indian bank, ensuring secure and compliant cross-border messaging, and payment processing.

Implemented the Logica Questor Retail Branch Banking Frontend Platform across key metro branches, integrated with the legacy AS400-based Equation Core Banking System, modernizing teller operations, and enhancing customer service.

Managed the implementation of Mobile Banking and SMS Banking platforms for leading Indian banks, enabling secure, real-time customer engagement, and financial inclusion.

Directed multi-site program delivery, managing consulting, development, and support teams to ensure on-time, audit-compliant, and cost-effective implementations.

Ensured program governance and delivery in line with CMMI model best practices, and Logica’s internal standards.

Owned end-to-end project delivery, including budgeting, P&L management, financial reporting, product licensing/pricing strategy, compliance, client invoicing, and payment collections.

Provided consulting, presales, solution design, and delivery support for the Payment Hub and Liquidity Management suite, enabling banks to achieve regulatory compliance and infrastructure modernization.

Migrated Postilion EFT switch for a leading bank as Implementation Lead, ensuring a seamless transition and continuity of services.

Served as Test Lead for CLS (Continuous Linked Settlement – UK), successfully completing cross-currency and cross-country regression testing of the Payment Hub and Liquidity Management solution within time and quality benchmarks.

Led client workshops, training, and adoption programs to ensure smooth rollouts and operational readiness.

Awarded the “Business Lead Generation Award” (2008) for driving client acquisition and growth in RTGS support services.

Recognized for building one of the most profitable and cost-efficient implementation and support programs within Logica India, enhancing margins while expanding the client base and maintaining audit-compliant delivery.

• Managed multiple banks migration and development of branch banking applications.

• Led national delivery and support operations for MICR cheque clearing systems deployed at major clearing houses across India.
• Managed cross-regional engineering teams, oversaw implementation projects, and streamlined customer service delivery for high-volume banking environments.