Avinash Anand

Background

About Avinash Anand

Senior Digital Payments & Fintech Leader | Building Scalable, Regulator-Ready Payment Systems Across Banking, Ecommerce & Technology Sectors With over 13+ years of deep domain experience, I specialize in building and scaling digital payment ecosystems from the ground up. My expertise spans UPI, IMPS, BBPS, POS, wallets, card networks and payment gateways, with a strong focus on operational excellence, regulatory compliance, financial reconciliation and affordability programs. Currently, I lead Payments & Affordability at Tata Croma, where I drive large-scale ecommerce payment infrastructure, optimize transaction success rates, automate settlement processes and manage bank/OEM partnerships to enable EMI, cashback and instant discount programs: • Digital Payment Strategy: Proven success in managing full-stack digital payment operations including integrations, success rate optimization and CX across UPI, cards, wallets and PGs. • Affordability Solutions: Deep experience in designing and operationalizing EMI schemes, cashbacks, and instant offers through structured OEM and bank alliances. • Risk & Compliance Governance: Built fraud detection systems, regulatory SOPs, chargeback flows and audit-ready controls aligned with RBI/NPCI standards. • Process Automation: Led deployment of bots and reconciliation tools to automate settlements, reduce manual effort and deliver financial accuracy at scale. • 0–1 Setup Execution: Spearheaded the complete setup of digital banking and payments at Paytm Bank and IDFC Bank, covering product, tech, finance and operations readiness. • Financial & Accounting Oversight: Defined GL mapping, built accounting logic for various payment types and ensured transparency in daily settlements and MIS reporting: • Established Paytm Bank's UPI and IMPS stack from scratch, enabling high-scale transaction processing and reducing merchant refund TATs from 7 days to 30 minutes. • Automated end-to-end reconciliation at multiple organizations, reducing operational headcount and ensuring regulatory accuracy. • Launched and scaled multiple affordability and bank-led payment models, significantly enhancing ecommerce conversions: I am passionate about building resilient, future-ready digital payment systems that combine operational scale, financial accuracy and customer-centric design—always anchored in regulatory trust and cross-functional collaboration.