Customized B2B Commercial Card Payment Solution:• Tailored a bespoke B2B commercial card payment solution to meet the unique needs of clients.• Successfully implemented and managed commercial card solutions for top companies with trading volumes exceeding 100 Cr, including Radico Khaitan, Munjal Kiriu Industries, PPAP Automotive, Haldiram Marketing, Lenskart, Luminous Power, and Eastman Auto & Power, among others.P&L Ownership and Portfolio Management:• Held the role of P&L owner for a portfolio comprising over 600 large companies.• Managed monthly credit limit utilization, maintaining an average of 80% utilization rate.Merchant Portfolio Management and Revenue Growth:• Oversaw a merchant portfolio with a monthly transaction volume exceeding INR 100 Cr.• Secured business from new bank accounts and provided tailored payment solutions to meet their needs.• Executed cross-selling strategies for assets, lending, and liability products to both existing and new merchants.Value Proposition Clarification and Marketing Strategy:• Clarified key differentiators to set the company's solutions apart from competitors, ensuring clients understand the value proposition.Regional Volume Growth Through Strategic Marketing:• Drove regional EMI, DCC, and card transaction volumes through strategic marketing partnerships.Payment Business Leadership and Strategic Oversight:• Led and managed the company's payment business, encompassing both merchant acquiring and commercial corporate card B2B business, along with cross-selling initiatives.• Successfully managed the merchant acquiring business from Feb’15 to July’17, achieving volume targets, float targets, and cross-selling objectives through effective channel and team management.Zonal Management and Territory Expansion:• Spearheaded efforts to increase book size by onboarding new corporate clients, maintaining existing portfolios, and executing cross-selling strategies.

Team Development and Management:• Oversaw major market-level planning tasks, ensuring alignment with sales targets and objectives.Communication and Relationship Management:• Communicated product issues, marketing objectives, and programs to the sales staff.Process Improvement & Optimization:• Identified bottlenecks in the sales process and initiated corrective actions to improve efficiency.Retail & Distribution Expansion:• Expanded retail width from 50 outlets to 150 outlets within one year, leading to a turnover increase from 5.20 Cr/month to 25 Cr./month.• Significantly grew the customer base from 35,000 to 300,000 and expanded distribution bases in rural and urban areas.