Very excited to start the new professional journey with a fast emerging and reliable enterprise payments partner like Aquapay. Looking forward to rising together!

· Lead cross functional groups to ensure that commercial products considerations, programs and product pilots/developments are top of mind· Support the formulation of new performance metrics and analytical tools to enhance portfolio benchmarking capabilities for commercial card products· Develops and execute product strategy through a review of the current business, understanding product profitability dynamics, identifying the growth potential and understanding local market conditions that impact the Product business across complex regulatory environments· Drive commercial card products initiatives with key stakeholders across functional teams those are quantifiable and aligned with the bank and client’s strategic objectives· Design compelling, differentiated and relevant product plans that leverage bank’s existing infrastructure and commercial assets to provide competitive advantage in the marketplace. A prime focus is to drive gross revenue growth for the business against a back drop of market complexity, differing degrees of business opportunities and competitive threats· Develop and then lead assigned key projects and activities to deliver superior commercial products and services.· Utilize industry, commercial purchasing behavior, retail banking trend analysis and customer knowledge to seek out new business opportunities for the Commercial Card product category

• Develop strategic concepts with regard to the complex potentials of Card and account specific sales strategy, using the TAS sales acquisition methodology. • Negotiate pricing based on a thorough understanding of customer needs and Amex profitability drivers, within a pricing framework. • Identify, drive and close profitable new business for the Corporate Card, Business Travel Account and Corporate Purchasing Solution product range by acquiring new clients to the franchise and driving incremental billings opportunities for American Express within existing accounts.• Develop in-depth understanding of our prospects/clients, build relationships for success, influence prospect and client decisions and develop and execute strategic sales plans. • Differentiate American Express value, develop in-depth understanding of the market and build/manage an effective pipeline. • Define acquisition sales strategies for the given territory which optimises the added value of each element of our Large Market Value proposition,. • Drive the sales approach internally with stakeholders as well as externally with customers and ensure that the necessary resources from all parts of the organisation are aligned appropriately with our opportunities. • Lead negotiation and help define contract terms and service level agreements with customers (contract management) and work closely with the relationship teams in the transitional phase of each account. • Conduct implementation reviews to ensure success and appropriate progress• Delivering incremental billings to the franchise from a large market opportunity base as measured in Booked Charge Volume Terms• Move opportunities through the stages of the pipeline• Develop and execute effective sales strategies• Assess risk in sales territory and develop strategies to mitigate against these• Development of solutions to customer related problems enabling High Value managed accounts to continue performing in profitable way

(A) Strategic:• Formulate the strategic plan of the business with aim to dominate the business as the largest player in Industry• Setting up territory through channel partner network distribution strategy• New business development• Comes up with promotional strategies, and long-term sales generation strategies• Stays on top and constantly analyses market opportunities and competitor moves and creates a high level direction for the execution and sales organization to harness the opportunities.(B) Operational :• Formulating and delivery of the annual sales plan on a month by month basis• Monitor market Intelligence within the industry in terms of market development, new projects, competitive activity, new customers etc. • Driving business through managing corporate Accounts & dealer network.• Define the product / service mix for long term / short term• Direct the data collection / lead generation organization to be able to exploit the potential of identified market opportunities.• Head the lead generation team to be able to give qualified leads to the sales team• Develops and ensures implementation of policies, procedures and quality standards and monitoring systems to track issues and compliance(C) Organizational:• To enhance organizational effectiveness through setting up and continuous improvement, organizational processes, work practices & systems• To follow and ensure compliance of organizational ethics and standards also local statutory requirement

• Responsible for Marketing and Operational aspect of Travel Insurance in Mumbai• Drive growth and achieve revenue and profitability in retail and corporate travel insurance segment as per business plan.• Review and monitoring of targets of team members • Ensure streamlining/ effective functioning of back office SOPs and guidelines.• Design promotional/Incentive scheme for business partners.• Identify new avenues of business through channel partners• Devise MIS model to track the business performance.• Identify and develop business through consolidators and National tie-ups.• Product and training support• Credit flow management• IATA-BSP Credit Insurance• Market Intelligence• Cross selling• Advertising and promotion.

• Develop an incentive model as per business commitment from target agencies• Monitoring inventory stocks which needs to be delivered to the travel agents as per their need and ordering for the same• Analysing the requirement of agents and ensuring they are met with.• Maintaining coordination between relevant departments (Products/Technical/Help desk)• Liaising with head office regarding issues which needs to be approved by them and delivering the same to the client on priority• Ensuring commitment to quality and performance and maintaining market leadership• Making Market strategies for business improvement and studying competition Strategies to counter attack.• Personally targeting top accounts of competition with proper planning and strategy• Personally visiting all Sensitive accounts and Top clients and ensuring all relevant problems are solved at the earliest possible time

• Handle the entire operational aspect of Metro Express (Intra-City Service)- work on extension to other Metros. • Drive Indirect presence- Exclusive and Non-exclusive through the conventional and non-conventional partners.• Arrive at a viable franchisee model.• Devise competitive product and channel specific marketing strategy.• Drive cash business to effect improvement in yield in line with business plan.• Drive appointment of franchisees and business associates.• Develop norms and create templates for selection of franchisees and business associates.• Develop standard operating procedures for Indirect business and facilitate implementation through training and other support.• Plan area of coverage, pricing strategies and promotional schemes for Indirect Channel.• Generation of performance report for Indirect Channel.• Develop an incentive model for Indirect Channel.• Publication of in-house Indirect Channel communiqué-‘Network Expressions’