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Company helping overseas companies access the payments opportunity in India. Offline digital payments enablement and gift card processing and distribution are two specific areas we are currently working on.

Helped create and scale a social enterprise to help create sustainable employment for marginalized population in rural areas. Experimented with telemedicine solutions for providing healthcare in rural India.

Conceptualised and built Stellr India a payments-centric technology business focused on providing processing services that power partner-managed prepaid distribution networks for world-leading brands in india. Did contracts with Google and Microsoft and built a significant distribution network that today delivers over Rs.100 cr in sales.

1. Created and led the “Center of Excellence” for the American Express Prepaid Business within World Service consisting of 300+ high performing professionals in USA, UK, Germany, Russia, Australia, Singapore and India supporting critical processes. 2. Setup and managed servicing vendors in China, Philippines and India. 3. Ensured world class service performance across 117 countries and 3 product portfolios with distinctly different life cycles – Travellers Cheques in 100+ markets; Single Load prepaid products in 5 markets and growing; and Prepaid Reloadable products in 8 markets with rapid expansion plans. 4. Achieved USD 15 Million in sustainable reengineering savings and operational expense reduction through process enhancements, vendor negotiations and configuration initiatives.5. Enabled business growth by supporting the launch of over 20 new products across 8 geographies.6. Drove efficiencies and improved customer experience through constant improvement in process metrics, process deliverables and implemented best in class process management tools including 6 Sigma & Lean methodologies.7. Led unprecedented operational effort to close 117 Travellers Check sales markets. Effort yielded USD 4.2 Million in re-engineering saves and elimination of USD 769 Million of trust exposure. 8. Instilled World Service Relationship Care® servicing ethos across processes ensuring deepened loyalty and engagement across all channels while providing the opportunity to create a connection to drive personalized value to customers.9. Member of the Risk Assessment Committee of American Express Banking Corp

1. Spearheaded the Partnerships, Marketing Communications, Customer Loyalty & Acquisition marketing for the Commercial Card business in India. 2. Delivered key distribution deals in partnership with merchant partners to fast track acquisition efforts and improve market share.3. Defined and implemented strategies for prospect database, lead generation to drive more acquisitions and early engagement to drive activation and spends on the card.4. Drove the customer engagement strategy to improve retention, penetration into existing customer opportunities and customer loyalty.5. Ensured compliance to all regulatory requirements in the local market for the business and including liaison with the regulator, the Reserve Bank of India.6. Member of the India Advertising Review Board.7. Recipient of the "Kim Vismale Leadership Award" as the "Best Leader in the Japan, Asia Pacific region" in 2009.

1. Created a strong middle market business in a highly competitive Indian Card market. In 5 years, grew the card spend exponentially at a CAGR of 60%, contributing to 38% of the Card billings in India and 60% market growth. 2. Led the launch of the Co-brand card with Kingfisher Airlines in India building the card spend to USD 100 Million within 2 years. 3. Built and managed senior level relationships with key strategic merchant partners including Kingfisher Airlines, Taj Hotels, Oberoi Hotels negotiating favourable outcomes for our business.4. Established and managed end-to-end acquisition marketing infrastructure developing a robust prospect database, multiple lead generation channels and early engagement capabilities to increase active cards and drive card member spend. Created innovative acquisition campaigns for different segments of prospects to drive sales.5. Established digital and offline loyalty campaign infrastructure to increase customer life time value, drive spend, capture new spend categories and control attrition. Responsible for all above and below the line media, promotional events, online promotions, digital lead generation capabilities and email marketing campaigns.6. Setup and led team of Tele Sales, Field Sales and phone based Account Management team that exceeded acquisition targets and achieved year on year productivity increases.

First foray into the payments industry, where I learnt the nuances of the payments working closing with teams from Visa and MasterCard. I was responsible for card sales and merchant acquisition in North India. Made significant contributions in increasing the consumer card sales in Northern India from 5,000 cards to 60,000 cards per annum in two years. Vijay led a team of sales people, launched/ scaled up various sales channels, setup and managed a merchant network of over 10,000 locations.

Vijay started his career with this leading organization. At Blow Plast he was responsible for leading sales (institutional & Government), driving P&L and managing a large dealer network. He also oversaw the complete branch operations along with sales of furniture and luggage in Gujarat, Karnataka and UP at different times.