Girish Bhatia Email and Phone Number

Integration Specialist @ Tata Digital (Tata Neu)- Extensive experience in integrating payment gateways into various e-commerce platforms and systems- Skilled in configuring payment gateway settings and troubleshooting integration issues- Strong understanding of payment gateway security protocols and compliance requirements- Experience with a variety of payment gateway technologies and APIsPortfolio Manager - Credit Cards @ VISA India and Axis Bank- Optimized Bank's… Show more Integration Specialist @ Tata Digital (Tata Neu)- Extensive experience in integrating payment gateways into various e-commerce platforms and systems- Skilled in configuring payment gateway settings and troubleshooting integration issues- Strong understanding of payment gateway security protocols and compliance requirements- Experience with a variety of payment gateway technologies and APIsPortfolio Manager - Credit Cards @ VISA India and Axis Bank- Optimized Bank's retail credit card offerings through targeted campaign strategies- Focus areas include optimizing cross-border spending, improving card authorization processes (PSR), driving credit card activation, and supporting the migration of customers from pre- to post-COVID environments- Resulted in 10x growth for cross border CNP spends corresponding to an additional portfolio revenue of 20L per month- Improved card Activation by 50% using DFMC model to target the customers basis their likelihood of activation Show less

Cards Portfolio Manager- Managed portfolio to drive profitability through metrics such as Accounts Receivable, Spending, Net Interest Income, Fees & Payments, Cost of Funds, Pay to Bill and Internal Rate of Return- Conducted monitoring and analyzed variances of key P&L drivers for the Business and Partnership segments for monthly management review- Led annual operating plan exercise, including projecting and phasing overall business numbers, income lines, and cost lines with channel… Show more Cards Portfolio Manager- Managed portfolio to drive profitability through metrics such as Accounts Receivable, Spending, Net Interest Income, Fees & Payments, Cost of Funds, Pay to Bill and Internal Rate of Return- Conducted monitoring and analyzed variances of key P&L drivers for the Business and Partnership segments for monthly management review- Led annual operating plan exercise, including projecting and phasing overall business numbers, income lines, and cost lines with channel breakdown, and mid-year reforecasting of P&L linesCards Acquisition Process Owner- Led efforts to control TTD, ensure compliance with regulations, and improve efficiency- Collaborated closely with internal and external stakeholders, including Risk, Analytics, IT, Operations, Sales, RBL Bank, and Compliance teams- Assumed end-to-end ownership of Freedom Secured 3in1 card, a bundled offering of saving account, fixed deposit and credit card for customers with low or no credit score- Implemented Biometric Know Your Customer (KYC) procedures for credit card applications in accordance with guidelines from the Reserve Bank of India and Ministry of FinanceCross-sell Integration for Partner stores- Developed and managed key partnerships with 7 lines of business to drive acquisition, retention, and usage of the product by customers- Improved sourcing and process capabilities for credit cards cross-sold through branches across India- Established new sourcing channels for credit cards to increase market penetration through geographic expansion Show less

- Conducted market research and analysis on international commodities markets to identify trends, opportunities, and potential risks- Analyzed and interpreted large amounts of data to identify patterns and trends, and used this information to inform trading strategies and decisions- Developed and implemented quantitative tools and techniques to hedge positions in volatile markets- Conducted relative value analysis of different oil products to identify opportunities for profitable… Show more - Conducted market research and analysis on international commodities markets to identify trends, opportunities, and potential risks- Analyzed and interpreted large amounts of data to identify patterns and trends, and used this information to inform trading strategies and decisions- Developed and implemented quantitative tools and techniques to hedge positions in volatile markets- Conducted relative value analysis of different oil products to identify opportunities for profitable trades- Led a 3-member team to shift from 'point-and-click' to algorithmic trading, resulting in greater effectiveness and improved efficiency- Created a dashboard to help team members in self-analyzing their respective trading styles, leading to improved performance and increased accountability- Collaborated with cross-functional teams such as sales, trading and operations to develop and implement strategies for trading and risk management- Prepared and presented market research reports and analysis to internal stakeholders such as senior management and traders Show less

- Served as a founding member of the ecology club at IIM Kashipur, playing a key role in the establishment and growth of the organization- Led initiatives to promote sustainability and environmental conservation on campus and within the community, such as organizing eco-friendly events and campaigns, tree planting initiatives and waste management programs- Collaborated with other student groups and organizations, as well as local businesses and government agencies to expand the reach… Show more - Served as a founding member of the ecology club at IIM Kashipur, playing a key role in the establishment and growth of the organization- Led initiatives to promote sustainability and environmental conservation on campus and within the community, such as organizing eco-friendly events and campaigns, tree planting initiatives and waste management programs- Collaborated with other student groups and organizations, as well as local businesses and government agencies to expand the reach and impact of the club's activities- Developed and implemented strategies to educate and raise awareness about environmental issues among students and staff- Built and maintained relationships with key stakeholders such as faculty advisors, sponsors, and community partners to secure funding and support for the club- Demonstrated a commitment to environmental conservation through dedicated volunteer hours and by participating in environmental advocacy groups Show less

- Developed a deep understanding of foreign exchange markets and the role of central banks in managing Forex reserves and exchange rates- Contributed to the development of a research article on RBI's ECF surplus strategy, a strategic plan for managing surplus foreign exchange reserves- Utilized analytical skills to evaluate market trends and make recommendations on the most effective ways hedge and trade USDINR for the institutional clients- Demonstrated stakeholder management to… Show more - Developed a deep understanding of foreign exchange markets and the role of central banks in managing Forex reserves and exchange rates- Contributed to the development of a research article on RBI's ECF surplus strategy, a strategic plan for managing surplus foreign exchange reserves- Utilized analytical skills to evaluate market trends and make recommendations on the most effective ways hedge and trade USDINR for the institutional clients- Demonstrated stakeholder management to work effectively with different teams and contribute to the development of important strategic initiatives- Involved in the Annual AOP and medium-term Business Strategy Plan with Senior Management team Show less

- Assumed end-to-end ownership of the e-commerce website and application, ensuring adherence to the latest consumer compliance and guidelines- Led integration of payment gateways, creation of user stories, change requests, web content creation and curation, SEO and SEM- Developed android app using Cordova/Phonegap and closely monitored user journey through google analytics to enhance user experience- Oversaw import and export operations, as well as domestic supply chain management… Show more - Assumed end-to-end ownership of the e-commerce website and application, ensuring adherence to the latest consumer compliance and guidelines- Led integration of payment gateways, creation of user stories, change requests, web content creation and curation, SEO and SEM- Developed android app using Cordova/Phonegap and closely monitored user journey through google analytics to enhance user experience- Oversaw import and export operations, as well as domestic supply chain management, including working with local vendors and managing 3PL aggregators- Coordinated with partners, including schools and private organizations, to promote and grow the sport of Speedcubing- Organized international speedcubing events in partnership with the World Cube Association at various IITs, NITs, and engineering college technical festivals Show less

- Lecturer for Physics and Maths for Std. 8th and 12th and developing young minds with the art of story telling