Harsh Singh

▪Spearheaded the development and launch of digital lending technology solution for banks and NBFCs.
- Led a team of 10 people across product, user experience, technology, and enterprise sales.
▪Managed the development of mobile apps for consumers, sales, credit underwriting, and collection teams.

▪Spearheaded the incubation and growth of payments, lending, and credit cards business at Zomato.
- Led a team of 50 people across product, user experience, marketing, operations, and technology.
- Managed the payments ecosystem through partnerships with card networks and payment aggregators.
▪Orchestrated the development and growth of innovative financial products for consumers and restaurants.
- Supervised the implementation and growth of card tokenization for 80% of transactions on Zomato.
- Managed the launch and growth of Zomato Pay for seamless payment of dining bills at restaurants.
▪Spearheaded the launch and growth of Zomato - RBL Bank co-brand credit card from 0 to 100K users.
- Managed the development of in-app consumer journeys for user onboarding, card controls, and rewards.
- Led the activation, usage & retention programs to increase credit card spends and share of revolvers.
▪Led the development and growth of buy now pay later (BNPL) products for consumers and restaurants.
- Launched instant credit access for consumers with one-click issuance, and provisioning during checkout.
- Led the growth of credit to restaurants for buying equipment, raw material, and advertisements to $50Mn.
▪Established and maintained strong relationships with strategic partners and the financial regulator.
- Led the filing of regulatory license applications for NBFC, payment aggregator, and PPI wallet businesses.

▪Spearheaded the digital transformation of consumer payments for more than 900 government services.
- Led the development, launch and growth of Abu Dhabi Pay platform to 1Mn transactions and 3Mn users.
- Managed the launch of digital payments on TAMM - a unified ecosystem of over 50 government entities.
▪Established and managed partnerships with First Abu Dhabi Bank and TAMM by Government of Abu Dhabi.

▪Spearheaded the digital transformation and growth of the credit cards business at Mashreq Bank.
- Led a team of 30 people across product, marketing, risk management, operations, and technology.
- Orchestrated the development and launch of UAE’s first digital application journey for credit card users.
▪Spearheaded the digitization of credit card sales through branches, telesales, and digital marketing.
- Led the growth in customer acquisitions through branch sales, cross-sell, and marketing campaigns.
- Orchestrated the growth in monthly sales of credit cards by over 100% within the first quarter of launch.
▪Led the increase in app downloads, registrations, and user engagement for mobile banking app.
- Drove the growth through enhanced user experience and card controls, rewards, and self-help features.
▪Managed the digitization of credit underwriting processes to reduce operational costs by over 80%.
- Led the development and launch of a new risk assessment framework to reduce portfolio risk by over 10%.
▪Spearheaded the launch of new credit scoring model to enhance underwriting and operational efficiency.
- Led the increase straight-through processing (STP) rate to 40% through digitization of processes.
▪Orchestrated the reduction in drop-off rates from 80% to 5% through analytics and user flow optimization.
- Conceptualized and managed partnerships with digital marketing platforms and media agencies.

▪Spearheaded the incubation and growth of digital payments business within India and South Asia.
- Led a cross-functional team of 10 people across product, technology, customer success, and marketing.
▪Orchestrated the growth in share of digital payments market through development and launch of products.
- Led the growth in revenue by selling payment products and solutions to banks and digital merchants.
- Managed the product development for a seamless integration with Indian banks and payment aggregators.
▪Spearheaded the launch and growth of tokenization platform in partnership with Samsung Pay and banks.
- Led the growth in share of tokenized transactions through Samsung Pay and physical merchants to 40%.
- Mastercard provides an integrated tokenization platform for card issuers, wallet providers and merchants.
▪Spearheaded the growth in share of digital payments through partnerships with top-20 online merchants.
- Orchestrated the growth in Mastercard’s share of card payments across top-20 digital merchants to 50%.
- Led the co-creation of new user experience to increase the share of digital card payments for Uber.
▪Spearheaded the development and launch of Masterpass to enable seamless and secure online payments.
- Led the implementation of Masterpass in partnership with banks, payment aggregators and merchants.

▪Spearheaded the growth of retail banking, credit cards, and payments business for Airtel Payments Bank.
- Led a team of 30 people across product, marketing, sales & distribution, operations, and technology.
▪Orchestrated the development and launch of mobile linked bank accounts in partnership with Axis Bank.
- Led the growth in issuance of bank accounts from 0 to 5Mn through marketing, cross-sell, and retail sales.
- Managed the development and launch of consumer onboarding journey for new bank account users.
▪Spearheaded the incubation and growth of Airtel - Axis Bank co-brand credit card from 0 to 100K users.
- Managed the development and launch of new product features and pricing strategy to drive sales growth.
- Orchestrated the mitigation of risk by implementing a new risk assessment framework for credit cards.
▪Spearheaded the development and launch of Airtel Money digital wallet for payments and remittances.
- Led the growth in user acquisitions through marketing, cross-sell, and over 500K Airtel Money retail stores.
▪Spearheaded the growth of mChek on Airtel, India’s first mobile payments solution from 0 to 5Mn users.

• Responsible for designing the user experience for the consumers of Dells online store.

• Responsible for sales pitch, deal structure, and commercial negotiations for strategic partnerships.

• Responsible for designing the technology architecture for satellite-based telecom networks.