Business Head - UPI & Payments

About the role:

We are hiring a Business Head to own the UPI and payments P&L end to end - revenue, cost, margin, partnerships and growth.

This is an owner's role. You will be measured on the business you build, not the roadmap you write.

What you will own:

- P&L ownership. Full accountability for revenue, cost and contribution margin of the UPI and payments business. Build the operating plan, defend the budget, deliver the numbers.

- Business strategy. Define where the business plays and how it wins - segments, use cases, pricing, take rates and the two-to-three-year growth path. Present and defend this at board and founder level.

- Revenue and scale. Grow TPV, transacting user base and revenue per user. Own unit economics and the path to profitability of the line.

- Partnerships and ecosystem. Own commercial relationships with PSP banks, payment aggregators, fintech partners and NPCI-facing dependencies. Negotiate commercials, hold partners to SLAs, and open new distribution.

- Cross-functional mobilisation. Direct the product, engineering, marketing, risk and operations agenda for the business. You set the priorities and the outcomes; the functions deliver against them.

- Regulatory and risk posture. Own the business's compliance position across NPCI and RBI requirements for UPI, PPI and payment aggregation. Build a business that scales without regulatory exposure.

- Team building. Hire, structure and lead the team required to run the line.

What you need:

- 10-15 years total experience, including 46 years running a payments business line, vertical or P&L at a bank, NBFC, PA/PG, fintech or PSP.

- Demonstrated revenue ownership - you can speak to a number you carried and what you delivered against it.

- Deep UPI and IMPS ecosystem knowledge, including the NPCI and RBI regulatory framework.

- Proven commercial and negotiation track record with banks, aggregators and network partners.

- Strong quantitative fluency - you build and challenge the model yourself.

- Experience building and leading multi-disciplinary teams.

Good to have:

- Exposure to lending collections and repayment economics.

- Experience launching a payments line from early stage to scale.