Accosis
Website:
accosis.com
Job details:
Company Description
Accosis is a modern fintech and banking technology company empowering over 20,000 businesses since 2023 through an integrated ecosystem of innovative financial solutions.
Our platform brings together digital payments, connected banking, tax and regulatory compliance, cash flow management, payroll, capital access, and ERP-integrated financial workflows. By combining intelligent automation, secure financial infrastructure, and actionable business insights, Accosis helps organizations simplify operations, improve efficiency, and accelerate growth.
As part of our expanding digital payments ecosystem, Accosis is strengthening its capabilities across UPI Payments, BBPS/Bharat Connect, UPI Switch Infrastructure, Merchant Acquiring, Payment Gateway Solutions, and Banking Technology Integrations.
We are committed to building scalable, reliable, and accessible financial technology solutions that empower businesses, financial institutions, merchants, and consumers across India.
Role Description
We are seeking an accomplished, strategic, and results-driven Business Head – UPI Payments & BBPS Vertical to spearhead the growth, commercialization, and operational excellence of our digital payments business.
This senior leadership position will be responsible for developing and executing business strategies, establishing strategic banking and fintech partnerships, driving transaction volumes, expanding market presence, and delivering sustainable revenue growth.
The ideal candidate will bring extensive experience in the Indian payments ecosystem, particularly UPI, NPCI, BBPS/Bharat Connect, Banking Alliances, Merchant Acquiring, and Payment Infrastructure, along with a proven ability to build and scale high-performing payment businesses.
The role requires a strong combination of business acumen, product understanding, commercial negotiation, regulatory awareness, and cross-functional leadership.
The selected professional will work closely with senior management and lead initiatives across product commercialization, strategic partnerships, business development, operations, and P&L performance.
Key ResponsibilitiesBusiness Strategy & P&L Management
- Develop and execute comprehensive business strategies for UPI Payments and BBPS/Bharat Connect verticals.
- Own business revenue, profitability, pricing strategy, transaction growth, and overall P&L performance.
- Identify new business opportunities across consumer payments, merchant acquiring, enterprise solutions, and banking infrastructure.
- Define go-to-market strategies, business expansion plans, revenue models, and performance objectives.
- Drive customer acquisition, activation, engagement, retention, and sustainable transaction growth.
UPI Payments & Product Growth
- Lead business initiatives for UPI consumer applications, P2P and P2M payments, merchant QR solutions, and payment infrastructure.
- Drive commercialization opportunities for UPI Issuing Switch, UPI Acquiring Switch, and bank-integrated payment solutions.
- Collaborate with Product, Engineering, and Technology teams on product roadmaps, integrations, new features, and customer experience improvements.
- Coordinate with banking and technology partners on UPI integration, certification readiness, and product launches.
- Improve transaction success rates, product adoption, customer engagement, and payment reliability.
BBPS / Bharat Connect Business
- Lead the strategic growth and commercialization of BBPS/Bharat Connect payment services.
- Establish and strengthen relationships with authorized BBPS participants, billers, banks, fintech partners, and distribution channels.
- Expand opportunities across utility payments, mobile recharge, DTH, FASTag, and other supported bill payment categories.
- Develop institutional partnerships, distribution networks, and scalable transaction-driven business models.
- Optimize bill payment performance, partner economics, revenue generation, and operational efficiency.
Banking Alliances & Strategic Partnerships
- Build and manage strategic relationships with banks, financial institutions, payment service providers, fintech companies, and payment ecosystem participants.
- Lead high-value partnership negotiations, commercial agreements, and enterprise business opportunities.
- Identify opportunities for UPI infrastructure, merchant acquiring, payment gateway, and banking technology collaborations.
- Develop a strong pipeline of institutional partners and enterprise clients.
- Represent Accosis in strategic business discussions, industry forums, and banking partnerships.
Merchant Acquiring & Market Expansion
- Drive merchant acquisition, enterprise onboarding, and distribution network expansion.
- Build partnerships with large enterprises, SMEs, merchant aggregators, resellers, and channel partners.
- Expand adoption of UPI QR Payments, Payment Gateway Solutions, and Smart Soundbox Solutions.
- Develop customer acquisition and market penetration strategies across urban, semi-urban, and rural markets.
- Identify opportunities for cross-selling and revenue enhancement across the Accosis ecosystem.
Compliance, Risk & Payment Operations
- Ensure business activities align with applicable RBI, NPCI, BBPS/Bharat Connect, and banking partner requirements.
- Oversee transaction performance, settlement coordination, reconciliation, disputes, and operational escalations.
- Collaborate with Risk, Compliance, Information Security, and Technology teams to strengthen payment security and operational controls.
- Support regulatory readiness, certification activities, partner due diligence, and audit requirements.
- Implement data-driven monitoring frameworks to improve service quality, operational efficiency, and customer satisfaction.
Leadership & Cross-Functional Collaboration
- Build, mentor, and lead high-performing teams across business development, banking alliances, partnerships, and payment operations.
- Establish measurable KPIs, performance objectives, and accountability frameworks.
- Collaborate with Product, Technology, Finance, Sales, Compliance, and Operations teams to execute business priorities.
- Provide strategic business insights, performance reports, and growth recommendations to senior management.
Qualifications & Experience
- 10–15+ years of relevant professional experience in Digital Payments, FinTech, Banking, UPI, BBPS, Payment Infrastructure, or Financial Services.
- Proven experience in senior leadership roles involving business strategy, P&L management, revenue growth, and digital payment operations.
- Deep understanding of the UPI ecosystem, NPCI frameworks, BBPS/Bharat Connect, merchant acquiring, and payment gateway business models.
- Demonstrated success in establishing and managing strategic partnerships with banks, payment aggregators, fintech companies, and financial institutions.
- Strong commercial expertise in enterprise sales, banking alliances, partnership negotiations, and business development.
- Working knowledge of payment processing, API integrations, settlement, reconciliation, dispute management, risk controls, and regulatory compliance.
- Experience collaborating with Product and Engineering teams to develop, launch, and scale digital payment solutions.
- Strong analytical capabilities with experience monitoring transaction performance, financial metrics, and business KPIs.
- Exceptional leadership, communication, negotiation, problem-solving, and stakeholder management skills.
- Bachelor's degree in Business Administration, Finance, Engineering, Technology, or a related field. An MBA or equivalent postgraduate qualification is preferred.
Preferred Candidate Profile
We particularly encourage applications from experienced professionals who have held leadership positions within:
- UPI Third-Party Application Providers (TPAPs) and PSP Banks.
- BBPS/Bharat Connect ecosystem participants.
- Payment Gateways, Payment Aggregators, and Merchant Acquiring Companies.
- Banks, Financial Institutions, and Banking Technology Providers.
- UPI Switch and Payment Infrastructure Companies.
- Established FinTech and Digital Financial Services Organizations.
Candidates with established relationships across the Indian banking and payments ecosystem, combined with a demonstrated ability to acquire institutional partnerships and build profitable payment businesses, will be strongly preferred.
Key Performance Indicators
- UPI and BBPS transaction volume and value growth.
- Business revenue, profitability, and P&L performance.
- New banking, fintech, and strategic partnerships.
- Enterprise and merchant acquisition.
- Product adoption, customer engagement, and retention.
- Payment success rates and operational efficiency.
- Business expansion and market penetration.
- Successful commercialization of new payment products.
Why Join Accosis?
- Lead high-growth UPI and BBPS business verticals within an expanding fintech ecosystem.
- Take ownership of strategic business decisions, revenue growth, and banking partnerships.
- Work on innovative digital payment and banking infrastructure solutions.
- Collaborate directly with senior leadership and experienced technology teams.
- Drive large-scale financial technology adoption across businesses, merchants, and consumers.
- Build and lead high-performing teams while shaping the future of Accosis's digital payments business.
- Competitive compensation aligned with leadership experience and industry expertise.
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