Total Years of Experience: 18 Years, 3 Months
December 2009
To March 2013
Sales Head- India - Mobile payments and remittance
at markets India, UAE
Location :
India - Mumbai
Sales Head- India - Mobile payments and remittance for LUUP HQ in Norway. Leaders in
Mobile remittance solutions.
Dec 2009 until March 2013 - markets India, UAE
Based - Mumbai, UAE- Dubai, Abu Dhabi.
www.luup.com
*Sales for first mobile enablement for remittance through the sending partner outside India and automating in India through prepaid/bank account/mobile wallet/ ATM network for disbursement -
first of its kind in India. ( 1 M $ USD deal)
*Successful roll out for Federal bank in India addressing and automating the inward remittance from Middleeast- India corridor real-time and at low cost, bank to bank transfers though tie up with
National bank of Abu Dhabi (NBAD)
*First integration with domestic BC network- Oxigen for accepting this remittance/ cash outs on their network for banks, thus offering huge penetration in India.
*Signed up the largest public sector bank in India (State bank of India) in tie up with NBAD for inbound remittance through Arrow payroll service initiated through mobile channel in UAE.
*Managing contractual obligations, technical integration and coordination with various cross
border teams for fulfillment and roll out of the service Monitoring of scale of volumes for inbound
remittances and channelizing the on-boarding activities for blue collared workers in UAE
*Sales for the initiation for POC in collaboration with VISA for single pipe integration and facilitating
cross border remittance into various countries.
Mobile remittance solutions.
Dec 2009 until March 2013 - markets India, UAE
Based - Mumbai, UAE- Dubai, Abu Dhabi.
www.luup.com
*Sales for first mobile enablement for remittance through the sending partner outside India and automating in India through prepaid/bank account/mobile wallet/ ATM network for disbursement -
first of its kind in India. ( 1 M $ USD deal)
*Successful roll out for Federal bank in India addressing and automating the inward remittance from Middleeast- India corridor real-time and at low cost, bank to bank transfers though tie up with
National bank of Abu Dhabi (NBAD)
*First integration with domestic BC network- Oxigen for accepting this remittance/ cash outs on their network for banks, thus offering huge penetration in India.
*Signed up the largest public sector bank in India (State bank of India) in tie up with NBAD for inbound remittance through Arrow payroll service initiated through mobile channel in UAE.
*Managing contractual obligations, technical integration and coordination with various cross
border teams for fulfillment and roll out of the service Monitoring of scale of volumes for inbound
remittances and channelizing the on-boarding activities for blue collared workers in UAE
*Sales for the initiation for POC in collaboration with VISA for single pipe integration and facilitating
cross border remittance into various countries.
January 2010
To December 2011
Director BFSI- India
at Nuance
Location :
India - Mumbai
Director BFSI- India, Nuance communications, Jan 2010- Dec 2011.
Leaders into customer experience design tools using Speech recognition, Voice
biometrics, Text to speech, dictation.
www.nuance.com
*Application Sales for first voice biometric (VB) ecommerce implementation at Major Private bank in India for bill payments, purchases and transfers (B2C)
*Design for the call flow design, and analysis for AHT and call resolution times, customer
experience, conducting ROI for the investments made for ASR (Automated Speech recognition),
TTS (Text to speech) and integration with multiple systems.
*Integration with partners such as Avaya, Aspect, Cisco, Dimension data for Integration and delivery of business objectives using Nuance
*Designed Nuance multimodal solutions Text input via chat messenger to deliver appropriate
message using Speech recognition e.g FAQ, cross sell etc across BFSI.
*Successful pilots for phone banking-multilingual, password resets and 2nd factor authentication
applications using VB at banks using mobile phone and web channel.
*Enlarged the scope for ASR, TTS and VB into bigger domains and applications into securities,
stock broking and the Insurance companies ensuring similar customer experience across all
channels.
*Incorporated the first specifications for Nuance ASR, TTS for one of the largest insurance
companies in India. Other Insurance companies to follow suit.
*Paved way for another dimension in banking - rural banking where customer enroll and authenticate using VB.
*Launched the first Business correspondent network for bank using VB for enrollment and authentication
*Headway with regulators for VB incorporation especially into mobile payments and 2nd factor
authentication for internet banking IVR transactions.
*Facilitate demonstration for multiple language capabilities for India into ASR for phone banking
capabilities for banks.
*Evolved different pricing model for sustenance and market adaptability for price sensitive market.
Leaders into customer experience design tools using Speech recognition, Voice
biometrics, Text to speech, dictation.
www.nuance.com
*Application Sales for first voice biometric (VB) ecommerce implementation at Major Private bank in India for bill payments, purchases and transfers (B2C)
*Design for the call flow design, and analysis for AHT and call resolution times, customer
experience, conducting ROI for the investments made for ASR (Automated Speech recognition),
TTS (Text to speech) and integration with multiple systems.
*Integration with partners such as Avaya, Aspect, Cisco, Dimension data for Integration and delivery of business objectives using Nuance
*Designed Nuance multimodal solutions Text input via chat messenger to deliver appropriate
message using Speech recognition e.g FAQ, cross sell etc across BFSI.
*Successful pilots for phone banking-multilingual, password resets and 2nd factor authentication
applications using VB at banks using mobile phone and web channel.
*Enlarged the scope for ASR, TTS and VB into bigger domains and applications into securities,
stock broking and the Insurance companies ensuring similar customer experience across all
channels.
*Incorporated the first specifications for Nuance ASR, TTS for one of the largest insurance
companies in India. Other Insurance companies to follow suit.
*Paved way for another dimension in banking - rural banking where customer enroll and authenticate using VB.
*Launched the first Business correspondent network for bank using VB for enrollment and authentication
*Headway with regulators for VB incorporation especially into mobile payments and 2nd factor
authentication for internet banking IVR transactions.
*Facilitate demonstration for multiple language capabilities for India into ASR for phone banking
capabilities for banks.
*Evolved different pricing model for sustenance and market adaptability for price sensitive market.
August 2007
To November 2009
AVP Business Development (Mumbai)
at Obopay
Location :
India
AVP Business Development (Mumbai)
Obopay-Nokia Money India and Alittleworld as partner for Obopay,
Aug 2007 to Nov 2009
https://www.obopay.com/india/index.php
*Facilitate mobile payment initiative across the banked community; engage banks and MFIs to target the unbanked community into financial inclusion.
*Negotiated agreements with major switch providers, core banking players, Telcos and VAS
players.
*Sign up with 3 major banks in India for Mobile payment initiative within the framework of RBI
guidelines. Successful integration with switches such as FSS-Base24, eFunds and Billing
aggregators such as the Bill Desk for payment of prepaid/Postpaid bills through Mobile channel.
*Successful deployment and Project management across 3 major banks for mobile banking and
Payments using learnings acquired during POC and infusing into the product.
*Facilitate Obopay as mobile payment aggregator for service offerings, thoroughly Telco agnostic, and across all channels such as SMS, SMS-IVR, J2ME, in India.
*Developed transaction based pricing model for banks and shared payment network in the country.
*Devised international remittance model for Obopay Inc at origination and India as beneficiary,
leveraging on the Obopay distributor network in the US.
*Promoting Obopay through presentations at conferences - Banknet, BankTech and other
banking conferences.
*Formulating Mobile payment strategy and executing the STK (SIM tool kit) on the SIM through
Platform provided by companies such as SmartTrust/Gemalto along with a cryptographic security
engine to securely manage security keys, account information and provide PIN service.
*Formulating closure with Telecom vendors such as MTNL, BSNL, IDEA, TATA and offering the last mile connectivity for mobile transactions linked with bank account. Devised merchants
strategy to accept small value payments and domestic remittances through mobile linked to debit card, driving volumes without incurring credit card transaction fees.Ongoing Financial
inclusion and micro-banking initiatives through Biometric authentication, Printer combo offering and NFC phone.
Obopay-Nokia Money India and Alittleworld as partner for Obopay,
Aug 2007 to Nov 2009
https://www.obopay.com/india/index.php
*Facilitate mobile payment initiative across the banked community; engage banks and MFIs to target the unbanked community into financial inclusion.
*Negotiated agreements with major switch providers, core banking players, Telcos and VAS
players.
*Sign up with 3 major banks in India for Mobile payment initiative within the framework of RBI
guidelines. Successful integration with switches such as FSS-Base24, eFunds and Billing
aggregators such as the Bill Desk for payment of prepaid/Postpaid bills through Mobile channel.
*Successful deployment and Project management across 3 major banks for mobile banking and
Payments using learnings acquired during POC and infusing into the product.
*Facilitate Obopay as mobile payment aggregator for service offerings, thoroughly Telco agnostic, and across all channels such as SMS, SMS-IVR, J2ME, in India.
*Developed transaction based pricing model for banks and shared payment network in the country.
*Devised international remittance model for Obopay Inc at origination and India as beneficiary,
leveraging on the Obopay distributor network in the US.
*Promoting Obopay through presentations at conferences - Banknet, BankTech and other
banking conferences.
*Formulating Mobile payment strategy and executing the STK (SIM tool kit) on the SIM through
Platform provided by companies such as SmartTrust/Gemalto along with a cryptographic security
engine to securely manage security keys, account information and provide PIN service.
*Formulating closure with Telecom vendors such as MTNL, BSNL, IDEA, TATA and offering the last mile connectivity for mobile transactions linked with bank account. Devised merchants
strategy to accept small value payments and domestic remittances through mobile linked to debit card, driving volumes without incurring credit card transaction fees.Ongoing Financial
inclusion and micro-banking initiatives through Biometric authentication, Printer combo offering and NFC phone.
April 2003
To July 2007
Business Head, India (Mumbai)
at Korala Associates Limited
Location :
India
Business Head, India (Mumbai)
Korala Associates Limited, Scotland, UK, April2003 to July 2007
www.kal.com
KAL, an Edinburgh- Scotland, based company develops applications that truly embrace the global
banking standards such as XFS, interoperable on virtually any hardware platform making it a world
leading software platform upon which complete solutions can be readily developed for ATMs,
kiosks and all other self-service systems.
*Set up KAL business unit and operations in India, further increasing the team size to 6, together to support KAL implementations in India and neighboring countries.
*Responsibility included Product support, sales, for KAL products -Kalignite software platform and
Kalignite NDC application for India, SE Asia and Middleeast, reporting to CEO in the UK.
*Instrumental in promoting the multivendor software with Interoperable standards for low cost
ATMs in upcoming markets- the way for the future in the banking industry. Introduced low cost
ATMs such as Neo technology, Hyosung (Triton), Lipi, and cash acceptors/recyclers such as
Hitachi to the Indian markets.
*Device testing, diagnostics and management for various types of card readers, cash dispensers,
Pin pads and printers using XFS device simulators.
*Customized the ATM monitoring and Management system enabling software downloads, device
management and cash management, enriching the features at ATMs at low cost for banks.
*Achieved major breakthrough with 2nd largest Public sector Bank in India (first multivendor
implementation in India) for 500 software license sales into ATms, through skillful negotiations and integration with strategic partner (CR2)
*Successful POC across ICICI bank and shared ATM service provider such as Euronet worldwide
services for Multivendor software, integrating with Base24 and Arksys respectively, and providing
basic ATM monitoring capabilities including integration with third party services.
*Authored comprehensive overseas partnership and reseller agreement covering product
integration, sales, marketing, ordering and intellectual property protection. Negotiated and authored over 50 partnership agreements in 5 countries and successfully established sales
partnership arrangements with low cost ATM vendors, transaction switching companies, System
integrators and software vendors. Skilled in international technology licensing and software
development arrangements.
Korala Associates Limited, Scotland, UK, April2003 to July 2007
www.kal.com
KAL, an Edinburgh- Scotland, based company develops applications that truly embrace the global
banking standards such as XFS, interoperable on virtually any hardware platform making it a world
leading software platform upon which complete solutions can be readily developed for ATMs,
kiosks and all other self-service systems.
*Set up KAL business unit and operations in India, further increasing the team size to 6, together to support KAL implementations in India and neighboring countries.
*Responsibility included Product support, sales, for KAL products -Kalignite software platform and
Kalignite NDC application for India, SE Asia and Middleeast, reporting to CEO in the UK.
*Instrumental in promoting the multivendor software with Interoperable standards for low cost
ATMs in upcoming markets- the way for the future in the banking industry. Introduced low cost
ATMs such as Neo technology, Hyosung (Triton), Lipi, and cash acceptors/recyclers such as
Hitachi to the Indian markets.
*Device testing, diagnostics and management for various types of card readers, cash dispensers,
Pin pads and printers using XFS device simulators.
*Customized the ATM monitoring and Management system enabling software downloads, device
management and cash management, enriching the features at ATMs at low cost for banks.
*Achieved major breakthrough with 2nd largest Public sector Bank in India (first multivendor
implementation in India) for 500 software license sales into ATms, through skillful negotiations and integration with strategic partner (CR2)
*Successful POC across ICICI bank and shared ATM service provider such as Euronet worldwide
services for Multivendor software, integrating with Base24 and Arksys respectively, and providing
basic ATM monitoring capabilities including integration with third party services.
*Authored comprehensive overseas partnership and reseller agreement covering product
integration, sales, marketing, ordering and intellectual property protection. Negotiated and authored over 50 partnership agreements in 5 countries and successfully established sales
partnership arrangements with low cost ATM vendors, transaction switching companies, System
integrators and software vendors. Skilled in international technology licensing and software
development arrangements.
January 2001
To March 2003
Business Development Manager, Mumbai, India
at Opus software solutions Private Limited, Electra card services
Location :
India - Mumbai
Business Development Manager, Mumbai, India
Opus software solutions Private Limited, Jan 2001 to March 2003
www.opussoft.com
Opus focuses on retail delivery and payment systems with expertise into ATM/POS - EFT
switching and Card management systems.
*Map Solution Sales for Financial Transaction software, Card Management solutions and business
intelligence tool into Banking and Insurance Industry for India and South East Asian markets.
*Closed deal worth half million dollars for a major bank into India providing complete ATM - FT
software switch solution connecting all the delivery channels.
*Set up an ASP model (SAAS) for financial institutions up to 100 branches to share the transaction
software solution
*Negotiated a Million dollar deal for the first in-house developed card management software
solution for one of the top 10 public sector banks in India.
*Established active partners across India and SAARC countries.
Opus software solutions Private Limited, Jan 2001 to March 2003
www.opussoft.com
Opus focuses on retail delivery and payment systems with expertise into ATM/POS - EFT
switching and Card management systems.
*Map Solution Sales for Financial Transaction software, Card Management solutions and business
intelligence tool into Banking and Insurance Industry for India and South East Asian markets.
*Closed deal worth half million dollars for a major bank into India providing complete ATM - FT
software switch solution connecting all the delivery channels.
*Set up an ASP model (SAAS) for financial institutions up to 100 branches to share the transaction
software solution
*Negotiated a Million dollar deal for the first in-house developed card management software
solution for one of the top 10 public sector banks in India.
*Established active partners across India and SAARC countries.
January 1995
To December 2000
Marketing Manager, India Liaison Office
at Trane Inc
Location :
India - Mumbai
Marketing Manager, India Liaison Office.
Trane Inc, Lacrosse WI, USA, Jan1995 to Dec2000
www.trane.com
Trane deals into Building management software and control systems for the heating ventilation and air conditioning (HVAC) Industry.
*6 years into concept selling, project design, project sales and execution.
*Responsible for project development, scope formulation, valuation, commercial administration,
P&L analysis, commercial management, for multimillion dollar air-conditioning contracts. One of the Million dollar contracts involved "Marriott" group of Hotels in India, which comprised 2000Tr of
air-conditioning including chillers and air handlers.
*Led the Green Building initiative at Trane and handled the Existing Building unit for transforming the existing buildings into energy efficient and environmentally friendly applications.
Trane Inc, Lacrosse WI, USA, Jan1995 to Dec2000
www.trane.com
Trane deals into Building management software and control systems for the heating ventilation and air conditioning (HVAC) Industry.
*6 years into concept selling, project design, project sales and execution.
*Responsible for project development, scope formulation, valuation, commercial administration,
P&L analysis, commercial management, for multimillion dollar air-conditioning contracts. One of the Million dollar contracts involved "Marriott" group of Hotels in India, which comprised 2000Tr of
air-conditioning including chillers and air handlers.
*Led the Green Building initiative at Trane and handled the Existing Building unit for transforming the existing buildings into energy efficient and environmentally friendly applications.
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