Anupam Bagchi

Created & Build- Jupiter.

Managed $1bn of unsecured book and a topline revenue of $150mn

Created a Digital only bank ahead of time. It was Axis Bank’s biggest initiative during that tenure in Digital play. Didn't work out at envisaged. Exp helped in creating Jupiter after 5 years

-Built payments as a core retail banking strategy with anchor as transit, toll & prepaid ,Business correspondents business. Build the framework of transit payments in the country -Scaled credit cards business on a strong cross-sell framework -build a high scale B2B payments business

-Build RuPay, AEPS(Aadhaar Enabled Payment Service) business from scratch to 150 banks & 5 mn cards -Build the rails of 150 Cooperative banks and RRB’s to start issuing payment products (RuPay) -transition disbursement of Kisan Credit Card (agri loan )of all financial institutions in the country to RuPay Debit Card

Created market disruption by launching multi Bank emi through a single merchant billing interface. Scaled up the nascent concept of integration of pos systems with billing systems at retail.

🔹Manage Product, Portfolio management & Brand Communications for credit cards. 🔹Revenue responsibility for all credit card products & deliver targeted growth. 🔹Manage all key business drivers such as costs, revenues, credit, receivables, portfolio management and attrition. 🔹Increase Spends and ENR through various portfolio management programs like limit enhancement programs, Loan on phone, EMI programs, upgrade programs, Risk based pricing, spend enhancement programs etc.

🔹Instrumental as a core start up member in Kotak Cards to deliver on launch strategy with key aspects being Product , Technology , P&L & Business Structure . 🔹Post launch establishing key functional business metrics of performance and operating costs wrt Sales, Product & Portfolio, Service ,Collections & Operations. 🔹Setting up Internal Control and Processes of the business to ensure delivery of business goals . 🔹To maneuver key business projects, link it with technology enablers and deliver it to business. 🔹Establish and ensure sound debt management strategy during economic downturn wrt channel , people , process ,performance and cost. Set up and manage recovery vertical in collection to minimize business losses

🔹Evaluate various business strategies for merchant acquiring wrt target market, segments, distribution and service delivery model. 🔹Work out business road map in terms of top line, bottom line and key variables on the annual operating plan. 🔹Identify new products for merchant payments , map market potential, carry out operation and technology integration. 🔹Create business dashboards , analyse of key business metrics, undertake portfolio analysis and shed light on critical components influencing merchant level profitability 🔹Manage Marketing promotions, Vendor/outsourcing strategy & implementation.

Launched Dr Fixit