Debagni Ghosh · Bengaluru, India Banking Alliances · Strategic Partnerships · Payments · Cross-Border · Neobanking

I build the bank and partner relationships behind payments products.

Launch. Stay compliant with RBI and NPCI. Cost less to run.

Assistant Vice President – Banking Alliances & Product Partnerships · Easebuzz Pvt Ltd

Connect on LinkedIn Email me
  • 8+years in fintech, payments and neobanking
  • 25+partner banks in the network built at Cashfree
  • 3×revenue growth in two years from referral partnerships
Partner map Banks, vendors and ecosystem, and overseas partners connected to payments products, with RBI and NPCI on the rails. RBI NPCI Banks Vendors &ecosystem Overseaspartners Payments products collections · payouts verification · neobanking cross-border

01 — Relationships

Three sets of partners behind every launch

Banks, the vendor and partner ecosystem, and overseas partners — built and scaled across Easebuzz, Twid, Cashfree and Razorpay.

Coverage
25+ Partner Banks · 9 Connected Banking · 6 Non-Bank · AD-1 & MSB
25+ Partner Banks

Banks

Bank alliances, connected banking, Payment Banks, Small Finance Banks, pricing and commercial terms.

  • Added 9 banking partners to the Connected Banking partnership and Verification Suite at Easebuzz.Easebuzz Pvt Ltd · current
  • Grew the payment network to 25+ banks by building strategic banking alliances, enabling new products and wider geographic reach.Cashfree Payments · 2021–2024
  • Grew MSME acquisition by 25% as Regional Lead for South India banking, initiating partnerships with Payment Banks and Small Finance Banks.Easebuzz · 2024–2026
  • Launched accelerated earning programs with 5+ banking and non-banking issuers, lifting customer engagement by ~40%.Twid Rewards Global · 2024
NPCI & RBI Aligned 40% Faster TAT
3× Revenue Growth

Vendors & ecosystem

Non-bank partners, referral alliances, verification ecosystem and commercial structuring tied to product roadmaps.

  • Added 6 non-bank partners to the Connected Banking partnership and Verification Suite at Easebuzz.Easebuzz Pvt Ltd · current
  • Closed multiple referral partnerships and high-value propositions which resulted in 3× revenue growth in a span of 2 years.Easebuzz Pvt Ltd
  • Promoted to lead banking alliances together with product partnerships, owning the link between bank and vendor partners, the product roadmap and regulatory requirements.Easebuzz · current
  • Reduced operational costs by ~15% while expanding product offerings by 20% by strengthening the vendor and partner ecosystem.Easebuzz · 2024–2026
~15% Lower Cost 99.9% API Uptime
0 → 1 Cross-Border

Overseas partners

Overseas Money Service Business (MSB) partnerships and Authorised Dealer Category-I (AD-1) banks enabling cross-border collections.

  • Manage overseas partnerships with Money Service Business (MSB) partners to enable cross-border collections.Easebuzz Pvt Ltd · current
  • Manage Authorised Dealer Category-I (AD-1) bank relationships for the cross-border business.Easebuzz Pvt Ltd · current
  • Led the Cross-Border Payments 0-to-1 initiative with Product, Strategy and Compliance teams.Easebuzz · 2024–2026
  • Contributed to the PA-CB (PACB) licence acquisition and aligned cross-border flows with regulatory requirements.Easebuzz · 2024–2026
AD-1 & MSB Rails PA-CB (PACB)

Four parties. One plan.

Best work is when a launch needs Product, Strategy, Compliance and a partner bank to agree — and someone has to get them there. Direct engagement across NPCI, Payment Banks, Small Finance Banks and 25+ partner banks.

Product, Strategy, Compliance and a partner bank converge on one plan Product Strategy Compliance Partner bank One plan launch · compliant · lower cost

02 — Experience

Eight years, four fintechs, one thread: partnerships

Razorpay, Cashfree, Twid and Easebuzz — newest first.

Career Progression
KAM Operations → PM → Manager → Senior Manager → AVP
Career path: Razorpay 2018–2020, Cashfree Payments 2020–2024, Twid Rewards Global 2024, Easebuzz 2024–present Razorpay2018–2020 Cashfree Payments2020–2024 Twid Rewards Global2024 Easebuzz Pvt Ltd2024–Present

  1. – Present

    • 3× Revenue
    • 9 Bank + 6 Non-Bank
    • AD-1 & MSB

    Assistant Vice President – Banking Alliances & Product Partnerships

    Easebuzz Pvt Ltd, Bengaluru, India Current

    • Promoted to lead banking alliances together with product partnerships, owning the link between bank and vendor partners, the product roadmap and regulatory requirements.
    • Manage Authorised Dealer Category-I (AD-1) bank relationships for the cross-border business.
    • Manage overseas partnerships with Money Service Business (MSB) partners to enable cross-border collections.
    • Added 6 non-bank partners and 9 banking partners to the Connected Banking partnership and Verification Suite, in addition to the 0-to-1 Cross-Border business.
    • Closed multiple referral partnerships and high-value propositions which resulted in 3× revenue growth in a span of 2 years.
    • Drive cost optimisation through partner negotiations, rationalisation and commercial structuring.
    • Expanded verification solutions by onboarding key ecosystem partners.

  2. –

    • 0→1 Cross-Border
    • PA-CB Licence
    • ~15% Cost Cut
    • +25% MSME

    Senior Manager – Banking Alliances & Partnerships

    Easebuzz Pvt Ltd, Bengaluru, India

    • Led the Cross-Border Payments 0-to-1 initiative with Product, Strategy and Compliance teams; contributed to the PA-CB (PACB) licence acquisition.
    • Designed and implemented the strategic roadmap for Easebuzz's Neobanking program.
    • Reduced operational costs by ~15% while expanding product offerings by 20% by strengthening the vendor and partner ecosystem.
    • Grew MSME acquisition by 25% as Regional Lead for South India banking, initiating partnerships with Payment Banks and Small Finance Banks.
    • Worked with NPCI and partner banks to align product strategy with regulatory and market requirements.
    • Established operational standards, policies and procedures, and built long-term client and stakeholder relationships that drove repeat business.

  3. –

    • 5+ Issuers
    • ~40% Engagement
    • 15+ Go-Lives

    Program Manager – Issuer & Client Partnership Solutions

    Twid Rewards Global Pvt Ltd, Bengaluru, India

    • Launched accelerated earning programs with 5+ banking and non-banking issuers, lifting customer engagement by ~40%.
    • Cut activation time by ~25% by building mock flows, user journeys and SOPs.
    • Managed end-to-end go-live for 15+ merchants with 100% on-time launches across multiple parallel workstreams.

  4. –

    • 25+ Banks
    • 40% Faster TAT
    • 99.9% API Uptime

    Manager – Product Partnerships (Banking Alliances)

    Cashfree Payments, Bengaluru, India

    • Grew the payment network to 25+ banks by building strategic banking alliances, enabling new products and wider geographic reach.
    • Negotiated pricing and commercial terms with partner banks while overseeing receivables and payables to protect cash flow.
    • Improved turnaround time (TAT) by 40% and merchant satisfaction by 15% by resolving operational issues across AutoCollect, Payouts, Validation APIs and banking rails.
    • Raised API uptime to 99.9% in partnership with Product on Verification Suite enhancements.
    • Drove proactive strategic planning and targeted client engagement using payments-industry and competitor insight.

  5. –

    • 8+ Team
    • 100% Onboarding
    • +20% Satisfaction

    Project Manager – Transition & Key Accounts

    Cashfree Payments, Bengaluru, India

    • Set up program governance, KPI dashboards and reporting, achieving 90% adherence to timelines on critical projects.
    • Led an 8+ member Transition team with a 100% merchant onboarding success rate; planned large-client onboarding and go-live phases.
    • Improved merchant satisfaction by 20% by introducing client feedback mechanisms and forums that also fed product improvements.

  6. –

    • 50+ Merchants
    • ~95% SLA
    • +20% Recon

    KAM Operations (Key Account Management)

    Razorpay Software Pvt Ltd, Bengaluru, India

    • Managed enterprise service requests, special-pricing workflows and escalations for 50+ high-value merchants.
    • Coordinated with partner banks on settlements, refunds and chargebacks, resolving ~95% of issues within SLA and improving reconciliation accuracy by 20%.
    • Managed merchant ID (MID) whitelisting, portal configurations and reconciliations across North and South regions with zero critical operational lapses.
    • Reduced process errors by ~15% by developing SOPs and reporting frameworks.

03 — Highlights

What the numbers say about my work: network scale, 0-to-1 launches and commercial growth

Every figure reflects bank networks built, cross-border and connected-banking products taken live, and revenue scaled through partnerships.

Operational & Commercial Impact
3× Revenue · ~15% Lower Cost · 40% Faster TAT · 99.9% Uptime
  • 8+ years In fintech, payments and neobanking at Razorpay, Cashfree, Twid and Easebuzz
  • 25+ banks Payment network built at Cashfree, plus NPCI, Payment Banks and Small Finance Banks
  • 0 to 1 Cross-Border Payments launched at Easebuzz; contributed to PA-CB (PACB) licence
  • 3× Revenue growth in two years from referral partnerships and high-value propositions
  • 15 partners 9 banking + 6 non-bank partners added to Connected Banking and Verification Suite

04 — About

Banking alliances. Strategic partnerships. Payments.

Banking alliances and strategic partnerships leader with 8+ years in fintech, payments and neobanking, now Assistant Vice President at Easebuzz. Builds and scales bank, vendor and ecosystem partnerships that open new revenue streams, reduce operating cost and keep products compliant with RBI and NPCI requirements.

Track record of taking 0-to-1 initiatives from concept to launch, including Cross-Border Payments and a Neobanking program, with direct engagement across NPCI, Payment Banks, Small Finance Banks and 25+ partner banks. Currently manages Authorised Dealer Category-I (AD-1) bank relationships for the cross-border business, alongside overseas Money Service Business (MSB) partnerships that enable collections.

  • Banking Alliances25+ partner banks, AD-1, Payment & Small Finance Banks
  • Cross-Border & PA-CB0-to-1 launch, MSB partners & international collections
  • Connected Banking & Verification9 banking + 6 non-bank partners, 99.9% API uptime
  • Commercial Growth3× revenue growth in 2 years & ~15% operational cost cut

Next mandate

Seeking senior banking, strategic alliances and vendor partnership roles at payments and financial-services organisations.

Get in touch

05 — Get in touch

Let’s talk banking alliances and partnerships.

Seeking senior banking, strategic alliances and vendor partnership roles at payments and financial-services organisations.

  • Banking Alliances
  • Cross-Border & PA-CB
  • AD-1 & MSB Partnerships
  • Connected Banking
  • Vendor & Ecosystem
Connect on LinkedIn debagni95@gmail.com Download CV (PDF)