Kshitija Kamtam - CEO Office

Q: Where is Kshitija based?

Kshitija is based in Düsseldorf, Germany .

Q: What languages does Kshitija speak?

Kshitija speaks the following languages: English (Native), Hindi (Advanced), German (Intermediate) .

Q: How many years of experience does Kshitija have?

Kshitija has at least 9 years of experience. During this time, Kshitija has worked in at least 6 different roles and for 6 different companies . The average length of individual experience is 2 years and 6 months . Note that Kshitija may not have shared all experience and actually has more experience.

Q: What is Kshitija's latest experience?

Kshitija's most recent position is CEO Office at Techno Design GmbH .

Q: What companies has Kshitija worked for in recent years?

In recent years, Kshitija has worked for Techno Design GmbH , Getsafe Digital GmbH , PricewaterhouseCoopers GmbH , PricewaterhouseCoopers LLP, and India .

Q: Which industries is Kshitija most experienced in?

Kshitija is most experienced in industries like Banking and Finance , Information Technology (IT) , and Insurance .

Q: Which business areas is Kshitija most experienced in?

Kshitija is most experienced in business areas like Product Development , Operations , and Strategy and Planning . Kshitija also has some experience in Project Management , Business Intelligence , and Marketing .

Q: Which industries has Kshitija worked in recently?

Kshitija has recently worked in industries like Information Technology (IT) , Banking and Finance , and Insurance .

Q: Which business areas has Kshitija worked in recently?

Kshitija has recently worked in business areas like Product Development , Operations , and Strategy and Planning .

Recommended expert

Düsseldorf, Germany

Experience

Aug 2023 - Present

2 years 8 months

Düsseldorf, Germany

CEO Office

Techno Design GmbH

Acted as a trusted advisor to leadership, driving strategic initiatives, structuring meetings, and ensuring follow-through on key priorities.
Led the launch of a corporate travel platform, aligning cross-functional teams and improving operational efficiency.
Conducted market and competitive analyses to identify growth opportunities and inform business and investment decisions.
Supported M&A and venture evaluations, contributing to global expansion and portfolio strategy.
Developed strategy briefs, business cases, and executive presentations to enable data-driven decision-making.
Managed quarterly and annual planning processes, tracked KPIs, and ensured alignment with organizational goals.
Planned and executed brand initiatives, including organizing Techno at Bharat Tex, enhancing industry visibility and partnerships.
Strengthened internal communication cadence and governance frameworks, improving execution efficiency by 20%.
Drove process improvements to enhance execution discipline and strategic alignment.
Enhanced governance and reporting mechanisms to increase accountability, milestone tracking, and performance visibility.
Collaborated closely with finance, product, and strategy teams to ensure timely delivery of cross-functional priorities.
Fostered knowledge-sharing and continuous-improvement practices to strengthen organizational collaboration and execution.

Jan 2023 - Jul 2023

7 months

Heidelberg, Germany

Growth Intern

Getsafe Digital GmbH

Identified conversion gaps and implemented solutions for the Home Insurance product through performance analysis and cross-functional collaboration.
Prepared data-driven reports and executive presentations to support senior leadership decision-making, strengthening client relationships through improved insights and strategies.
Developed conversion strategies using customer behavior and transaction data to boost acquisition, sales, and revenue growth.
Built B2B partnerships, expanding business opportunities and contributing to market growth.
Independently implemented customer engagement initiatives that improved the company’s Trustpilot score and boosted overall brand perception.

Jan 2022 - Jun 2022

6 months

Cologne, Germany

Working Student: Financial Services

PricewaterhouseCoopers GmbH

Assisted in drafting RFPs, ensuring compliance with GDPR, PSD2, and regulatory standards for digital banking solutions.
Researched market competition and customer needs to support the launch of a new credit card product.
Contributed to RFP development for a digital currency project, ensuring regulatory compliance and alignment with client requirements.

Aug 2019 - Aug 2021

2 years 1 month

Mumbai, India

Consulting: Financial Services

PricewaterhouseCoopers LLP, India

Drove strategic initiatives and operational execution across fintech programs, aligning cross-functional teams to deliver scalable financing and product solutions.
Defined and executed end-to-end payment strategies, including the launch of prepaid & debit cards and expansion into POS terminal acquiring, driving customer acquisition and revenue growth.
Project manager for the first India implementation of a supply chain finance client in partnership with a leading Indian bank.
Managed strategic partnerships with Visa, Mastercard, and RuPay, ensuring compliance, and enabling new market opportunities.
Acted as Product Owner and Subject-Matter Expert (SME) for prepaid and debit card, faster payments and bill payments.
Owned full P&L accountability for the prepaid and debit card portfolio, oversee budgeting, forecasting, and cost optimization.
Strengthened payment governance and compliance frameworks, reducing audit discrepancies by 15% and embedding risk management into payment design and operations.
Delivered two major digital payment transformation programs by aligning technology capabilities with business and regulatory objectives.
Improved payment processing efficiency and reduced time-to-market by 30% through operational optimization and agile execution.

Jul 2018 - Jul 2019

1 year 1 month

Mumbai, India

Strategy & Product Management

HDFC Bank

Shaped and executed the end-to-end strategy for PayZapp, a full-scale digital wallet platform, including merchant acquiring expansion.
Led delivery of new payment features, merchant acquiring capabilities, and system enhancements to scale platform adoption.
Drove product rollout and operational execution to optimize P&L — streamlining transaction flows, reducing payment costs, and improving profitability.
Expanded payment acceptance by launching new products, features, and monetization initiatives across cards, UPI, instant payments, and net banking.
Managed integrations with seven major e-commerce partners, resulting in a 50% increase in transaction volumes.
Collaborated with Product, Engineering, Risk, Legal, and Finance to shape roadmaps, ensure delivery readiness, and execute successful go-to-market launches.

Feb 2016 - Jul 2018

2 years 6 months

Mumbai, India

Business Analysis & Product Management

Billdesk

Led end-to-end enhancement of Payment Gateway capabilities, integrating electronic bill payments and standing instruction features across 50+ partner banks, resulting in a 35% increase in customer acquisition.
Expanded the Payment Gateway ecosystem by onboarding 100+ merchants, optimizing checkout and recurring payment flows, and driving a 50% uplift in transaction volumes within 8 months.
Onboarded 6 high-value enterprise merchants within 6 months, strengthening the Payment Gateway’s enterprise portfolio.
Conducted strategic gap analyses to identify inefficiencies in payment routing, reconciliation, and settlement, implementing process improvements that enhanced operational efficiency.
Collaborated with technology, risk, compliance, and operations teams to deliver robust, scalable Payment Gateway solutions.
Designed and improved core processes and operating models, enhancing scalability, efficiency, and customer experience.

Industries Experience

See where this freelancer has spent most of their professional time. Longer bars indicate deeper hands-on experience, while shorter ones reflect targeted or project-based work.

Experienced in Banking and Finance (6 years), Information Technology (2.5 years), and Insurance (0.5 years).

Banking and Finance

Information Technology

Insurance

Business Areas Experience

The graph below provides a cumulative view of the freelancer's experience across multiple business areas, calculated from completed and active engagements. It highlights the areas where the freelancer has most frequently contributed to planning, execution, and delivery of business outcomes.

Experienced in Product Development (8.5 years), Operations (7 years), Strategy (3.5 years), Project Management (2 years), Business Intelligence (0.5 years), and Marketing (0.5 years).

Product Development

Operations

Strategy

Project Management

Business Intelligence

Marketing

Summary

Strategy and operations professional with 8+ years’ experience in digital transformation, financial services, and international markets, including 3+ years of experience in Germany. Proven track record of leading high-impact strategic initiatives, optimizing operations, and delivering data-driven solutions that drive business growth. Skilled in operational efficiency, process redesign, stakeholder management, and business planning.

Expertise spans digital payments, product launches, go-to-market strategy, and cross-functional project leadership to support organizational success and scalable market expansion.

Skills

Core Skills:

Digital Transformation & Strategy
Digital Payments & Fintech Innovation
Go-to-market (Gtm) & Product Launch
Stakeholder & Executive Management
Business Development & Strategic Partnerships
Regulatory & Compliance (Payments, Psd2, Pci-dss, Aml/kyc)
Change Management & Cross-functional Leadership

It Skills:

Jira
Microsoft Suite
Google G-suite
Api
Miro
Ai Software
Hubspot
Excel
Power Bi
Confluence

Languages

English

Native

Hindi

Advanced

German

Intermediate

Education

Oct 2020 - Jun 2022

CBS International Business School

MBA, International Management · International Management · Cologne, Germany · CGPA 2,1

Oct 2013 - Jun 2015

Jamnalal Bajaj Institute of Management Studies

Masters in Management · Management · Mumbai, India

Oct 2007 - Jun 2011

Sardar Patel Institute of Technology

Bachelor of Engineering · Engineering · Mumbai, India

Certifications & licenses

GOTS Certification

Profile

Created

January 2026

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Frequently asked questions

Do you have questions? Here you can find further information.

Where is Kshitija based?

Kshitija is based in Düsseldorf, Germany.

What languages does Kshitija speak?

Kshitija speaks the following languages: English (Native), Hindi (Advanced), German (Intermediate).

How many years of experience does Kshitija have?

Kshitija has at least 9 years of experience. During this time, Kshitija has worked in at least 6 different roles and for 6 different companies. The average length of individual experience is 2 years and 6 months. Note that Kshitija may not have shared all experience and actually has more experience.

What roles would Kshitija be best suited for?

Based on recent experience, Kshitija would be well-suited for roles such as: CEO Office, Growth Intern, Working Student: Financial Services.

What is Kshitija's latest experience?

Kshitija's most recent position is CEO Office at Techno Design GmbH.

What companies has Kshitija worked for in recent years?

In recent years, Kshitija has worked for Techno Design GmbH, Getsafe Digital GmbH, PricewaterhouseCoopers GmbH, PricewaterhouseCoopers LLP, and India.

Which industries is Kshitija most experienced in?

Kshitija is most experienced in industries like Banking and Finance, Information Technology (IT), and Insurance.

Which business areas is Kshitija most experienced in?

Kshitija is most experienced in business areas like Product Development, Operations, and Strategy and Planning. Kshitija also has some experience in Project Management, Business Intelligence, and Marketing.

Which industries has Kshitija worked in recently?

Kshitija has recently worked in industries like Information Technology (IT), Banking and Finance, and Insurance.

Which business areas has Kshitija worked in recently?

Kshitija has recently worked in business areas like Product Development, Operations, and Strategy and Planning.

What is Kshitija's education?

Kshitija holds a Master in International Management from CBS International Business School, a Master in Management from Jamnalal Bajaj Institute of Management Studies and a Bachelor in Engineering from Sardar Patel Institute of Technology.

Does Kshitija have any certificates?

Kshitija has 1 certificate: GOTS Certification.

What is the availability of Kshitija?

Kshitija will be available from April 2026.

What is the rate of Kshitija?

Kshitija's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.