Shikhar Dwivedi
Payment Professional
Bangalore
Summary
A dynamic Project Implementation & Strategy professional with 13+ years of extensive experience in Project Implementation, Banking Relationships, Strategic Alliances & Partnership
Overview
14
14
years of professional experience
1
1
Language
Work History
Vice President - Head Bank Partnership
Hyperface Technologies Pvt. Ltd.
07.2024 - Current
- Successfully closed strategic partnerships with Indian Overseas Bank for Board IQ, Federal Bank for Credit Line on UPI, NPST for UPI switch integration, and LIC Card for distribution, expanding Hyperface’s footprint in embedded credit and digital payments.
- Spearheaded the launch and management of co-branded credit card programs and credit line solutions on UPI, driving customer acquisition, revenue growth, and financial inclusion through innovative plug-and-play platforms.
- Led co-lending partnerships with banks and NBFCs for business loans, while delivering portfolio management and customer onboarding solutions tailored to evolving Indian market needs.
- Collaborated with technology and banking partners to implement seamless, scalable credit products, leveraging Hyperface’s Credit Management Engine and UPI infrastructure to enable instant, embedded credit access for millions of users.
- Key Result Areas
- Spearheaded strategic partnerships with major banking institutions, resulting in enhanced product offerings and market reach.
- Developed and implemented collaborative initiatives that streamlined operations, improving service delivery and client satisfaction.
- Led cross-functional teams to drive innovation in banking solutions, elevating competitive advantage within the fintech landscape.
- Established performance metrics for partnership effectiveness, ensuring alignment with organizational goals and maximizing ROI.
Director – Head Banking Partnership
Lendingkart Technologies Pvt. Ltd
11.2023 - 07.2024
- Spearheaded strategic banking partnerships to launch co-branded credit card programs, including the Lendingkart MSME credit card, driving significant revenue growth and tailored financing solutions for micro, small, and medium enterprises.
- Managed co-lending partnerships with banks and NBFCs for business loans, optimizing platform lead sharing and ensuring seamless collaboration to expand Lendingkart’s credit portfolio.
- Key Result Areas
- Spearheaded strategic partnerships with banking institutions, enhancing product offerings and expanding market reach within competitive landscapes.
- Developed and implemented innovative financial solutions, driving customer engagement and satisfaction across diverse client segments.
- Led cross-functional teams to streamline operations and improve partnership processes, resulting in increased efficiency and reduced turnaround times.
- Analyzed market trends and customer feedback to inform strategic decisions, contributing to sustained growth in partnership revenue streams.
- Established robust performance metrics and reporting systems to monitor partnership success, ensuring alignment with organizational goals.
- Cultivated strong relationships with key stakeholders, fostering collaboration and enhancing brand visibility within the banking sector.
- Mentored junior team members on best practices in partnership development, promoting a culture of continuous improvement and knowledge sharing.
- Conducted comprehensive risk assessments for partnership initiatives, ensuring compliance with regulatory requirements and mitigating potential challenges.
- Developed high-performing teams by providing mentorship, guidance, and opportunities for professional growth.
- Improved project efficiency with strategic planning, resource allocation, and time management practices.
- Cultivated a positive work environment that fostered employee engagement, increased retention rates, and boosted overall team morale.
- Enhanced team collaboration through regular communication, goal setting, and performance evaluations.
- Implemented innovative solutions to solve complex problems, resulting in increased productivity and streamlined operations.
- Managed budgets effectively to ensure optimal use of resources while maintaining financial stability.
- Facilitated cross-functional collaboration for improved decision-making processes within the organization.
- Established a culture of continuous improvement by fostering open communication channels and empowering employees to voice their ideas.
- Proactively identified potential risks and implemented mitigation strategies to minimize negative impacts on projects or business operations.
- Evaluated employee performance objectively using established metrics, leading to fair compensation adjustments based on meritocracy principles.
- Boosted client satisfaction rates through exceptional relationship management and prompt resolution of issues.
- Secured key partnerships that contributed to the company''s overall growth strategy and market reach.
- Optimized staff performance by designing comprehensive training programs tailored to individual needs.
Senior Manager - Head Bank Partnership-Affordability
Razorpay Software Private Limited
05.2022 - 11.2023
- Headed Credit Card and Debit Card EMI programs across PSU, private banks, and non-banks, successfully closing partnerships with 8 banks to expand CC EMI and DC EMI offerings, significantly increasing merchant adoption.
- Led the commercial negotiation and rollout of Airtel Razorpay UPI Switch in partnership with Airtel Payments Bank, boosting UPI transaction success rates by 4-5% and contributing to a growth in net profit from ₹30 lakh per month to ₹5.8 crore.
- Managed a team of sales SPOCs to enable maximum merchant onboarding for EMI portfolios, driving revenue growth and expanding digital payment penetration across diverse merchant segments.
- Collaborated with fintech and banking partners to onboard multiple payment instruments, defined strategic plans to increase net revenue, and facilitated joint marketing campaigns between banks and merchants to enhance customer acquisition.
- Key Result Areas
- Spearheaded strategic partnerships, enhancing bank collaboration frameworks, resulting in improved affordability solutions for customers.
- Developed and implemented innovative financial products, leading to increased customer engagement and satisfaction within targeted demographics.
- Led cross-functional teams in executing initiatives that streamlined processes, optimizing operational efficiency and reducing turnaround times.
- Conducted market analysis to identify trends, informing strategic decisions that drove competitive advantage in banking partnerships.
Assistant Vice President – Product & Marketing
SBI Cards and Payment services ltd.
12.2020 - 05.2022
- Led the PLCC portfolio, growing monthly business from ₹100 Cr to ₹480 Cr and managing an annual GMV of ₹4,500 Cr across term and non-term products.
- Managed end-to-end product lifecycle including development, operations, funds settlement, and fraud prevention for credit and loan products.
- Oversaw SBI and non-SBI bank ATM credit card acceptance, ensuring smooth transaction processing and operational efficiency.
- Designed and implemented lead generation platforms and marketing strategies (ATL & BTL) to boost cross-sell volumes and customer acquisition.
- Identified and leveraged new digital and physical channels to source additional business, expanding market reach.
- Launched three loan products to provide quick and easy funding solutions for SBI Card users, enhancing product portfolio and customer satisfaction.
- Key Result Areas
- Developed and implemented marketing strategies that increased brand visibility and significantly elevated market share within the competitive landscape.
- Spearheaded product development initiatives, enhancing the customer onboarding experience and contributing to improved customer retention rates.
Lead – Banking Relationship & Alliances, Project implementation
National Payment Corporation of India
02.2017 - 11.2020
- Led strategy formulation and project execution for NPCI products including UPI, BBPS, AEPS, and Rupay across PSU and non-bank partners, ensuring seamless implementation and compliance.
- Managed key PSU bank relationships such as State Bank of India, Bank of Baroda, Punjab National Bank, and India Post Payment Bank to drive adoption and rollout of NPCI payment systems.
- Oversaw technical and operational readiness for NPCI product launches, conducted training workshops, and provided regular updates to senior management and stakeholders.
- Coordinated with service providers to finalize System Requirement Specifications (SRS) and managed change requests arising from regulatory and compliance requirements.
- Ensured risk management and regulatory compliance for NPCI product integrations on partner platforms, maintaining adherence to RBI and NPCI guidelines.
- Key Result Areas
- Led the development and execution of strategic banking alliances, enhancing service offerings and customer engagement.
- Managed project implementations for payment solutions, ensuring compliance with regulatory standards and operational efficiency.
- Collaborated with cross-functional teams to optimize banking processes, achieving seamless integration of new technologies.
- Facilitated training sessions for staff on banking relationship management, improving team performance and client satisfaction.
Deputy Manager – Product & Alliances
Askmepay Private Limited
06.2014 - 12.2016
- Led product development initiatives and conducted comprehensive market research to identify growth opportunities and enhance service offerings.
- Managed strategic alliances with government banks, NBFCs, and fintech partners to onboard new banking and financial services.
- Expanded Askme’s billers and utilities network by integrating online bill collection, payment wallets, and payment solutions for diverse utility organizations.
- Drove business venturing and seamless integration efforts to broaden the scope of digital payment services across multiple sectors.
- Key Result Areas
Senior Executive
Naukri.com (Info Edge India Limited)
06.2011 - 06.2014
- Managed strategic relationships with online payment gateway providers to ensure seamless transaction processing and enhance payment service reliability for Naukri.com’s online offerings.
- Oversaw CXO-level account management, fostering strong partnerships and delivering tailored solutions to optimize client satisfaction and drive business growth for Naukri.com’s recruitment platform.
- Coordinated cross-functional teams to integrate payment solutions with Naukri’s services, improving user experience and operational efficiency.
- Acted as a key liaison between payment partners and internal stakeholders, aligning technology and business objectives to support scalable online service delivery.
- Key Result Areas
Education
EPYM -
Indian Institute of Management, Calcutta
01.2017
Bachelor of Computer Application - undefined
Guru Gobind Singh Indraprastha University
01.2011
12th - Commerce
K.V. Sanik Vihar, C.B.S.E. Board
01.2007
10th - undefined
K.V. Sanik Vihar, C.B.S.E. Board
01.2005
Skills
Banking and FinTech partnerships
PERSONAL DETAILS
- Date of Birth: 16th March, 1989
- Address: Flat no-102, Nesara Apartment, Naggapa Layout, Subramanyapura, Banglore-560061
- Preferred Location: Bangalore
Timeline
Vice President - Head Bank Partnership
Hyperface Technologies Pvt. Ltd.
07.2024 - Current
Director – Head Banking Partnership
Lendingkart Technologies Pvt. Ltd
11.2023 - 07.2024
Senior Manager - Head Bank Partnership-Affordability
Razorpay Software Private Limited
05.2022 - 11.2023
Assistant Vice President – Product & Marketing
SBI Cards and Payment services ltd.
12.2020 - 05.2022
Lead – Banking Relationship & Alliances, Project implementation
National Payment Corporation of India
02.2017 - 11.2020
Deputy Manager – Product & Alliances
Askmepay Private Limited
06.2014 - 12.2016
Senior Executive
Naukri.com (Info Edge India Limited)
06.2011 - 06.2014
Bachelor of Computer Application - undefined
Guru Gobind Singh Indraprastha University
12th - Commerce
K.V. Sanik Vihar, C.B.S.E. Board
10th - undefined
K.V. Sanik Vihar, C.B.S.E. Board
EPYM -
Indian Institute of Management, Calcutta
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