BISWAJIT SAHA

[email protected] (+91) 7002055785 Guwahati, India

PROFESSIONAL SUMMARY

Business Development Manager with 9.4 years of experience in banking and digital payments. Specialized in Government & Bank Relations, digital banking products (UPI, IMPS, RuPay, AEPS, APBS, NACH), and project management. Proven track record in onboarding state governments and banks, driving adoption of NPCI platforms, and managing large-scale integrations. Holds an MBA in Finance and B.Tech in Mechanical Engineering.

WORK EXPERIENCE

Business Development Manager
10/2021 - Present
National Payments Corporation of India (NPCI) , Guwahati, India
Managing Government relations across 7 North Eastern states for DBT, e-Rupi, and NPCI services
Implemented Successful amalgamation of 7 Rural Banks as per the framework of One state one RRB in every products
Implemented DBT schemes including State Schemes like Orunodoi,NREGA, PM Kisan, PDS, Scholarships, PMMVY, and PMFBY
Led onboarding and integration of digital payment products with banks and government entities
Coordinated with ASPs (NIC, Infosys, CDAC, CMS) for technical integration with NPCI platforms
Handled escalations and ensured smooth Go-Live of UPI, IMPS, AEPS, and card-based systems
Conducted training sessions and periodic reviews with banks to optimize digital transaction performance
Acquiring Bank Relationship Management - Strategic oversight of banking partnerships and operational agreements under Band Onboarding frameworks
Merchant Onboarding & Compliance - Lead merchant acquisition programs, ensuring regulatory compliance and seamless integration with NPCI ecosystems
Regulatory Coordination - Manage RBI, and Network's guidelines adherence, risk assessment protocols, and compliance documentation for payment aggregator operations
Settlement & Operations - Oversee fund settlement processes and transaction monitoring across multiple payment channels for Banks and Timely updating the NDC limits for Banks
Stakeholder Management - Coordinate with internal teams (Risk, Product, Bank Ops) and external partners to optimize payment processing efficiency and regulatory compliance
Start new Projects with Banks to develop new product and processes
Work on Government & Bank's Project as Project Manager, Co-ordinate with multiple internal stakeholders till go live
Manage and Monitor New Requirement received from banks and Assign Certification team for final Roll out
Working with Product Team to develop new products offering
Product Sales Manager (CMS)
09/2019 - 10/2021
YES Bank Ltd.
Responsible to drive Payment Gateway, Integrated POS & CMS business through Branch Sales Channels
Responsible to drive CMS business through Relationship Managers and sales channels for cluster
Responsible to onboard current account customers on CMS Platform and ensuring the activation of the same
Responsible for sales of Bank’s Digital Product such as Bharat Bill Pay System, Internet Payment Gateway, API for Payment and Collection, Host 2 Host, Corporate Internet Banking, Virtual Accounts etc
Provide end to end digital solution to customers to manage their Collection and Payments
Responsible for Escrow, Dividend, Share Application, IPO, RERA, Nodal Account opening documentation
Responsible to generate CMS fee
Creating Road Map and Sales Strategies for Sales Channels to Drive Digital Solutions Sales
Re-Creating Product Pricing to make deal Profitable
Working with Fintech Companies for collaboration and Product Sales
Creating Customized Solutions as per customer's requirements
Responsible to generate fee by selling digital solutions
Conduct Product Training for Relationship Managers, Sales Officers and Branch staff
Responsible to ensure more throughout on Digital Channels to increase CASA balances
Responsible to Handle Team and ensuring their targets are achieved
Relationship Manager -Transaction Banking (CA, TFX & CMS)
09/2016 - 09/2019
Axis Bank Ltd
Convincing customer for the purpose of acquiring HV Current account, CMS services, Forex Transaction (Core Business)
Implanting process improvement initiatives to ensure smooth flow of transaction in accordance with the procedures and agreed standards
Responsible for Escrow, Dividend, Share Application, IPO, RERA, Nodal Account opening and Branch Audit and Compliance
Manage customer needs, handle client servicing and build relationship
Asses and device internal process to identify areas for overall improvement of customer’s service, evaluate client problems and recommend solution for the same
Working with Product Teams to improve current account opening process
Ensuring error free documentation for all Current, Escrow, Dividend, Share Application, IPO ,Nodel Account opening
Acquired new business and managed relationships with SME and corporate clients
Promoted digital platforms and increased current account book size
Handled retail and corporate forex transactions and cross-sell opportunities

EDUCATION

MBA/PGDM – Finance
01/2020
Manipal University GPA: 8.5/10
B.Tech – Mechanical Engineering
01/2014
Lovely Professional University GPA: 63%
12th
01/2009
Assam Board GPA: 60–64.9%
10th
01/2007
Assam Board GPA: 75–79.9%

SKILLS

CERTIFICATIONS

NISM Mutual Funds
NISM Derivatives

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