Abinash Kumar

I lead the Products and Business for a wide range of payment products, overseeing their entire lifecycle while ensuring strong engagement with key stakeholders. I am responsible for the development and management of products such as UPI TPAP, BBPS, PPI and Merchant Acquiring (Offline and Online). Key Responsibilities: - Business & Growth: Driving initiatives to expand market reach and scale payment products effectively with ABG group and open market. - Product Development & Management: Leading the design, development, and enhancement of payments products, ensuring they are customer-centric and market-ready. -Partnerships & Alliances: Building and managing partnerships with key ecosystem players, card networks and payment service providers. - Regulatory & Compliance Management: Engaging with regulators to ensure compliance with industry guidelines and regulatory frameworks. - Ecosystem Stakeholder Management: Collaborating with stakeholders across the payments ecosystem to align business objectives and product innovation. I bring a unique blend of leadership, industry expertise, and an empathetic approach to business. My ability to connect people, share knowledge, and build meaningful relationships enables him to drive impactful growth in fintech and payments.

As the Head of Distribution for payment products, I have built the Payments Distribution, Partnerships, Growth and Engagement function from scratch and launched a comprehensive suite of payment solutions, including UPI, BBPS, PPI, and Payment Gateway products for ABCD Aditya Birla Capital Digital My role encompasses end-to-end oversight, from conceptualisation of product use cases to market launch through all channels and P&L of the products

A founding team member at Ongo, The digital business subsidiary of AGS Transact Technologies. I joined during the initial days of commencing the business operations; we created the entire gamut of strategy, and process, and set up merchant acquiring and PPI issuance business from scratch. In my current role, I wear multiple hats and work closely with the management team on core digital products strategy and execution. I am responsible for building up the product framework, strategy, and roadmap for payments, credit, and insurance. I am also responsible for negotiating strategic partnerships with banks, NBFCs, other fintech companies, insurance providers, loyalty companies, and ecosystem players. Product Management Acquiring -POS – BIN Sponsorship, Aggregator and Technology Service Provider -Micro ATM -UPI -BBPS -Fastag Acceptance -Integrated Solutions Issuance - PPI Issuance – Building Ecosystem from Scratch Gift card, Reloadable and Transit - UPI Issuance - Tokenization (Card on File) Value-Added Services - Closed Loop Prepaid and Loyalty - Insurance Thru POS - Brand Vouchers and Coupons Alliances and Partnership - Card Networks - Partner Banks Under BIN Sponsorship, Aggregator and Technology Service Provider - Banks & Partners for Value Added Products - Technology Vendors for Joint Business Collaboration - Fundamental understanding of solution workflows, and technical specifications (if needed) integrations and is able to anchor an end-to-end implementation - Engage with the tech team to Develop fundamentally from concept to design, sample production, UAT, testing, implementation, support & product end-of-life. - lead product-related conversations with prospective clients & create & manage client relationships. - Drive and lead key partnerships in payments with lead aggregators / FinTechs / Banks across products such as Merchant Acquiring, PPI, UPI and Value-Added products

- Built the “What Next” for the product, portfolio, and banking alliance - Managed lifecycle for Digital Portfolio i.e. Seeding, Creation, GTM, Marketing, Channel Pricing, Launch, and Product P&L - Achieved double-digit revenue contribution from Rupay Prepaid on PPI, Billing++, Prepaid Loyalty, QR acceptance, Integrated POS, and Lending in overall topline - Launched and managed Rupay Card on PPI Platform - Business development for complex enterprise solutions based on payments, loyalty, and ERP - Acquired 2nd Largest paints company for implementing Billing Software for their COCO outlets - Acquired one of the largest FMCG companies for implementing a closed-loop loyalty program for their consumers with 2.5 MN issued cards and $ 1Mn yearly Topline revenue

- Built 500+ high-performance teams for setting up Merchant Acquiring business across India - Achieved Productivity per manpower of 8 POS and new setup revenue of INR 60 MN in 1st Year. - Managed Business Life cycle of Sales Team i.e. Planning, Hiring, Training, enabling, productivity, growth, and retention - Build Sales Training, local Sales Support, and Key Account Management team to support team - Designed and Rolled out Salesforce automation tool for Team efficiency and Digital Onboarding - Managed Sales incentives & contests to boost business volume, team engagement, and productivity

= Created pre-launch channel activities in the Start-up environment and tasks including Core Team management, Products, GTM, Commercials, and Launch Enablers for India Operation. - End to End process owner for channel creation( GTM, Channel, Appointment, Enable, Engagement, Output, and Profitability)

- Manged Sales Operation for 700+ Cr Annual Business for Mobile handset - Executed biggest distribution excellence project for Nokia and was Ranked No 1 - Custodian of all Sales & Business Processes (Revenue & Infrastructure) & Controlling of overheads. - Demand & Sales Planning: Identifying & driving the right Product Mix, Controlling Product Pricing, Assessing Market Trends and suggesting Product Specs, Planning & Procurement, Control of ageing inventory. Maintained the lowest slow-moving inventory in my region. - Automation & Business Innovation: SAP enhancements, Distribution Management, Sales Force Automation, and development of tools to support and ease out operations.

-Sales Operations -Business Plan, RTM, Productivity & Ways of Working -Distribution Excellence - Appointment, Enabling & Process Implementation -Sales Process - S&D Guidelines, Sales Reporting, Inventory, Logistics, Replacement & Reverse logistics -New Products - Sales & Distribution Guidelines, Channels, Volume/Value & inventory -Trade Initiatives - Displays, Contests ( Distributor, Retail & Employees), Trade Schemes, Consumer promotions, etc. -Sales Force Automation - Market Working & Ordering Process -Channel Automation - SAP,PSI,Acumen & Reverse Logistics -Channel Development - Brand Stores, Multi-Brand, Wholesale & Rural -Multi-Layer Distribution - Re-Distribution, Micro Distributors & Resellers -Distribution Infrastructure - Investment , Sales Team, Warehouse & Micro Distributors

- Sales Management - Nokia Mobile and accessory - Channel Management - Distributor, Nokia Priority Dealer, Multi Brand and Wholesale - Sales Lifecycle - Primary, Secondary & tertiary. Post Sales - DOA & DAP - Sales Process & Automation - PSI, MIS Lite & Acumen - Product evangelist - Team Management - 48 ( 8 SO & 40 Sales Promoter)

- Business Setup in UP East (Team Appointment, Distribution Appointment, Training (Internal Team & Channel Partners) and Sales for max Life Micro Insurance product “Max Vijay“ - Driven sales of affordable instant insurance investment tangible product for BOP Costumers in retail outlets based on FMCG & Telecom model. (Available both in Urban & Semi-Rural). - Successfully managed the prestigious project of Max Vijay Retail prototype, entailing the launch of the Brand Ambassador Mr. Amitabh Bachhan in Agra.

- Become the market leader ( CMS and RMS ) in Barabanki District within 1 year - Appointed maximum number of new distributors and grown monthly revenue from 22 Lacs to 5 Cr - Organized marketing promotional activities to increase brand awareness and visibility - Ensured sustenance of preferred brand image of Airtel prepaid by ensuring product availability, visibility & effective distribution in allocated towns. Significant Highlights -Best Territory Sales Manager Award in UPU for Hub & Spoke Distribution and IFFCO By CEO. -Awarded with the Airtel Gem Award by the COO. -First Territory Sales Manager in UP East to achieve project Vistar (Distribution Expansion) target.

- Developed and managed dealers in the assigned area for Decorative Paints - Installed Highest number of Colour World, Winner of Tractor Emulsion contest in UP - Organized Painter and Influencer Meet in the assigned area.

-New market launch - East Delhi for Amul Poly pack milk -New channel creation - ( Distributor & Home Delivery Agents) -New product launch - Poly Pack Milk, Fresh Paneer, Curd & Amul Cool -Campaign management - Canopy activity and home sampling