Vice President - Business Head - UPI & Payments

Job Title: Vice President - Business Head UPI, Pocket UPI & B2C payments

Location: Gurugram

Job Type: Full-Time

Function: Payments & Financial Services

Experience: 12+ years

Level: Vice President

About the Role:

We are looking for a sharp, commercially-driven business leader to own and grow the UPI and Bill Payments P&L - currently the core revenue engine of the company. This includes Pocket UPI, UPI handle, credit card bill, utility bill payments, recharges, and BBPS-based services across 186M users and 4.79M merchants.

Responsibilities:

What You Will Own:

- GMV & Revenue: UPI transaction volume, bill payment GMV, take-rate, and payments gross margin - reported in quarterly results.

- Product Roadmap: Multi-card dashboard, BBPS bill fetch, auto-pay mandate, personalised reminder engine, Pocket UPI expansion.

- Market Position: Drive significant gains in national market share; own go-to-market, channel mix, and competitive response.

- Partnerships: Card issuers, NPCI, BBPS billers, and merchant aggregators - commercial and technical.

Key Responsibilities:

- Own UPI + Bill Payments P&L - GMV, revenue, gross margin, and contribution profit.

- Define and execute the product roadmap: card hub, bill fetch, auto-pay, and reminders.

- Drive the strategy for credit card bill payments via product and distribution.

- Build and manage the Pocket UPI growth flywheel - acquisition, retention, and frequency.

- Own all BBPS biller relationships - coverage, settlement SLAs, and dispute resolution.

- Lead issuer co-marketing programmes with top card issuers.

- Set and track OKRs, with monthly reporting to the CEO and Board.

- Drive SEO, creator ecosystem, and performance marketing for credit card bill payments.

- Engage with NPCI and RBI on UPI limit policy, AutoPay on PPI, and PPI Directions.

- Recruit, develop, and retain a high-performance cross-functional team.

- Manage operational health: transaction success rates, failure handling, and support escalation.

- Partner with Lending to identify cross-sell moments within the payments journey.

- Represent the business externally - NPCI forums, industry bodies, and media.

Requirements:

- 12+ years in digital payments, fintech, or consumer internet, including at least 4 years in P&L ownership or senior business leadership.

- Direct experience building or scaling a UPI, wallet, or bill payments product - not just supporting it.

- Has owned a GMV or revenue target of at least 10,000 crore annually.

- Deep fluency in UPI rails, BBPS architecture, NPCI regulations, MDR economics, and PPI guidelines.

- Track record of building and leading cross-functional teams of 20+ across product, growth, and operations.

Strong Preference:

- Has launched or scaled a credit card bill payment product - understands BBPS bill fetch, issuer APIs, and settlement flows.

- Has negotiated co-marketing or commercial agreements.

- Has managed a listed company's business unit with quarterly disclosure obligations.