Recommended expert
Kshitija Kamtam
CEO Office
Experience
Aug 2023 - Present
2 years 6 monthsDüsseldorf, 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 monthsHeidelberg, 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 monthsCologne, 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 monthMumbai, 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 monthMumbai, 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 monthsMumbai, 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.
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
NativeHindi
AdvancedGerman
IntermediateEducation
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
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