Business Builder & Transformation Leader | Operations | Fintech | Payments | Mobility
A business and transformation leader with 26+ years of experience across operations, fintech, payments, mobility, strategic partnerships and business development. Experienced in building operating models from the ground up, transforming complex operations, designing financial and payment ecosystems, establishing high-trust alliances, and delivering measurable commercial outcomes.
Operating at the intersection of commercial strategy, operational transformation, payment technology and enterprise execution.
With 26+ years of overall professional experience starting in January 2000, my career progression reflects continuous business ownership: evolving from foundational customer operations and quality management to scaling nationwide mobility networks, driving fintech partnerships and digital payment ecosystems, to leading commercial transformation and growth initiatives.
The work combines commercial vision with hands-on delivery — building operating models from scratch, transforming airport taxi operations from prepaid to postpaid, deploying 200-kit optical field networks, scaling B2B FASTag and transit payments, structuring banking consortia, steering public-sector tender groundwork, and building sustainable revenue propositions.
A selection of commercial and operating outcomes from leadership roles across operations, digital commerce, payments, enterprise partnerships and mobility.
Built Lenskart's Home Try-On business from scratch across 7 cities (~400 field personnel), then pivoted the model to an entrepreneur-led optometrist structure scaling to an average daily volume of 500+ appointments with positive contribution margin.
Read Lenskart case study
Managed daily driver subscription operating model covering ~2,000–3,000 drivers in Delhi NCR at Meru Cabs and led the operational rollout transforming airport taxi operations from prepaid to postpaid curb boarding.
Read Meru case study
Scaled Airtel Payments Bank's digital gift-card marketplace to approximately ₹300 Cr GMV in FY 2018–19, and subsequently launched EaseMyTrip's gift card shop to ₹1 Cr/day in sales.
Developed and scaled the B2B FASTag business at Airtel Payments Bank to approximately ₹500 Cr in annual business volume across corporate fleet, parking and fuel use cases.
Explore FASTag case study
Closed eight enterprise and white-label partnerships at LifeVitae with an aggregate reported contract value of approximately ₹20 Cr, achieving a 45% freemium-to-paid conversion rate.
Developed NCMC transit proposition, originated DMRC smart-card recharge business line, and drove metro AFC consortium tender groundwork.
Explore NCMC case study
Supported payment acceptance through PSP integrations, payment routing and cascading across EaseMyTrip platforms, achieving ~85% payment transaction success rate.
Explore payments ecosystem
Structured and launched a closed-loop Agent Finance model for travel agents, integrating FLDG arrangements and working-capital credit governance.
Rehired as Meru North Business Head with direct P&L responsibility, reducing regional fleet repair and maintenance (R&M) costs by 30% across North India operations.
Read turnaround case studyBuilding and transforming businesses through operating model design, fintech and payments infrastructure, mobility networks, banking alliances and commercial distribution.
Designing operating models, standardising processes with advisory partners like KPMG, building workforce ecosystems, and executing commercial turnarounds.
Architecting multi-rail payment ecosystems, sponsor bank models, acquiring gateways, multi-PSP routing engines, and closed-loop working capital finance.
Launching new business lines from concept to scale—from Lenskart Home Try-On to corporate B2B FASTag and digital gift-card marketplaces.
Structuring institutional alliances between commercial banks, payment aggregators, fintechs, government transit bodies (DMRC, GMRC), and digital platforms.
Connecting airport taxi curb operations, 24×7 dispatch networks, open-loop NCMC metro ticketing, FASTag electronic tolling, and fleet telematics.
Designing high-yield commercial models, MDR pricing, agent networks, white-label software distribution, and sustainable unit economics.
From early customer operations and mobility to fintech, payments and strategic advisory—26+ Years of Professional Experience building businesses, partnerships and new revenue propositions.
Work across metro rail, transit payments and government procurement has involved stakeholder engagement, tender groundwork, partner coordination and commercial proposition development.
Delhi Metro Rail Corporation (DMRC)
Created the online/mobile smart-card recharge line of business at Airtel Payments Bank and drove OSR-01/2021 tender groundwork and submission. The subsequent award was issued after my tenure.
Gujarat Metro Rail Corporation (GMRC) – Surat Metro
Participated in the NCMC EMV-based AFC tender through an Airtel Payments Bank–PayCraft Solutions consortium, with Airtel identified as lead member.
Government education opportunities
Completed GeM registration at LifeVitae and pursued CBSE and Uttar Pradesh Board student-counselling tenders. These bids were not awarded.
A few moments outside the professional profile.
For conversations on payments strategy, ecosystem architecture, partnership opportunities or industry perspectives, feel free to get in touch.
