Website MobiKwik
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.
To apply for this job please visit www.iimjobs.com.
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