You can become a part of

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect - and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

In this role, you have the opportunity to

Strategize & Plan

● Own end-to-end operations of the Swipe/POS business including merchant onboarding, servicing, and retention

● Develop and execute a comprehensive Swipe Operations strategy aligned with the organization's overall goals and objectives

● Identify emerging trends and technologies in the Swipe industry and assess their potential impact on the business

● Collaborate with senior management to define the long-term vision and roadmap for the Swipe system

● Own the P&L and optimize cost centers for Swipe Business

Responsibilities will include

Functional Expertise

1. A deep understanding of POS hardware, software, and related technologies

2. Proficiency in payment processing protocols, standards, and regulations

3. Have a grasp of UX principles and practices to ensure an intuitive and user-friendly interface for merchants and internal agents

4. Proficiency in data analysis is vital for extracting meaningful insights from POS transaction data

5. Understanding of Payment Application (installed on POS), Switch Network and Card Schemes

6. Understanding of card transaction flow on POS machines

7. An understanding of industry-specific regulations, security protocols, and data privacy requirements

8. Staying updated with emerging technologies and industry trends

Problem Solving

1. Order Commercialization

a. Define & Implement new order commercials in line with business strategy

b. Map / update existing incentive plans to support the distribution

c. Perform competition benchmarking in regular intervals to assess and change order commercials if required

d. Ensure key metrices like customer’s LTV, Breakeven month, profitability are staying up to the mark

2. Transactional Profit Margins:

a. Review and modify POS onboarding rules to ensure a merchant gets onboarded in the most favored bank as per the profile

b. Review and modify transaction routing logics to improve MDR / Interchange fee profit margins

c. Periodically review the transaction processing system / logics to ensure MDR / Interchange fee levied to merchants or charged by the banks are optimal

d. Define and implement enhancements around transaction flow like persona based Cashback, loyalty programs to improve TPV & activation rates

3. POS Implementation & Management

a. Lead the selection, implementation, and integration of POS systems, ensuring they meet the organization & requirements

b. Develop and enforce policies and procedures for secure and efficient transaction processing

c. Define product pipeline keeping in mind asks from all divisions and work with Product to get this executed

4. Team Leadership and Collaboration:

a. Build and lead a high performing team of professionals, providing coaching, mentoring and performance feedback

b. Foster a collaborative culture, promoting cross functional collaboration with departments such as Product, Tech, Operations, Marketing, Data Science, Tax/Finance etc.

c. Manage vendor relationships and contracts related to POS systems and services

d. Manage strategic relationships with POS partners including TSP’s, Switches, Network providers, Card Schemes and Acquiring Banks

5. Data Analysis & Reporting:

a. Work with product / Data science teams to leverage data from POS systems to generate insights and actionable recommendations for improving sales, inventory management and customer experience

b. Develop and implement reporting mechanisms to track key performance indicators related to POS operations

c. Present findings and recommendations to senior management, providing data driven insights to drive decision making

To succeed in the role

Impact

● Strategic Innovation - By embracing technological advancements, position the organization as

an industry leader and stay ahead of competitors

● Increased Operational Efficiency - Optimize workflows, eliminate redundancies, and leverage

technology advancements to enhance operational efficiency, reduce costs, and improve overall productivity

● Build a compliant business framework

Challenges & Decisions

● Choosing the right POS hardware and software solutions that align with the company's requirements, scalability, and integration capabilities

● Addressing usability issues and optimizing the POS system's user interface to improve the

overall customer experience

● Gathering customer feedback and insights to drive enhancements and prioritize feature

development

Qualification & Experience (type & industry)

● Graduate Degree in Engineering/Economics/Statistics/Management

● Post-Graduation Degree in Business Management

● 10+ years of experience in Financial industry. 3+ years of work ex in POS systems, hardware,

software and integration process

● Strong technical knowledge of POS systems, hardware, software, and integration processes

Skills & know-how

● Hands-on experience managing portfolio and P&L of a product

● Well versed with Bank, Switches framework

● Excellent analytical and problem-solving skills, with the ability to interpret complex data and

drive actionable insights

● Demonstrated experience in managing cross-functional teams and collaborating with

stakeholders at all levels

● Exceptional communication skills, both written and verbal, with the ability to present complex

concepts in a clear and concise manner