Santhosh Jayaram

**Leading the next evolution of the Marshal business, by conceiving and setting up a new PSP entity under the group called eeasy Payment Services to be the embedded finance and merchant experience aggregator for the MEA region**

Reporting to Group CEO

Team Size: 13

Summary of Achievements:

• Created an in-house brand of POS terminals and attained its own EMV, kernel and scheme certifications.
• Designed entire product roadmap for the digitization initiatives covering middleware and apps for various verticals like Attended & Unattended Retail, F&B, Wellness, Healthcare, Real Estate, Education, Remittances and VAS.
• Managed product development through an 8-member team to build and test MVPs.
• Onboarded new entity with 3 acquirers.
• Signed PSP agreements with 2 acquirers in the UAE.
• Identified and signed up channel and regional partnerships across KSA, Qatar and East Africa.
• Worked on businesses licensing across UAE, KSA and India.
• Created pricing models with a focus on building SaaS & recurring revenue streams.
• Finalized branding elements along with social media strategies.
• Cultivated forward-thinking, inclusive, and performance-oriented business culture to lead industry in innovation and push progress.
• Built productive relationships with industry partners and competitors to support strategic business objectives.
• Developed key operational initiatives to drive and maintain substantial business growth.
• Managed partnerships and strategic business relationships by negotiating contract terms and handling conflicts.
• Grown the business substantially by means of adding new customers and showcasing varied experiences.

** Marshal Fintech Partners group is the oldest payments fintech in the MEA region serving banks and payment institutions for over 40 years as the oldest VIP partner for Verifone POS Payment Systems globally serving 17 countries **

Reporting to Group CEO
Team Size: 45

Summary of Achievements:

• Managed a multimillion dollar portfolio of acquiring banks and other payments institutions for for Verifone point-of-sale (EFTPOS) hardware and software suite of solutions. Maintained YoY growth along with implementing strong customer retention strategies.
• Representing Marshal at group level board meetings on a quarterly basis.
• Assisted CEO as part of acquisition of Marshal business by a leading sovereign wealth fund backed PE firm.
• Participated in the startup venture incubation business of the group which included evaluating seed stage tech startup ideas for investment.

Partnerships:

▪ Evaluated and setup 3 new partnerships with external solution providers for onboarding new solutions under the Marshal umbrella with positive revenue contribution.

▪ Liaised with schemes like Visa, MasterCard & American Express across regions for new synergies and solution rollout with acquirers.
▪ Participation and representation of Marshal across VCs, fintech and payments conferences across Middle East and Africa region. Moderated panels with eminent personalities in the payments space.

** I worked with the founding team in a consulting role to setup a cross-border blockchain based remittances payment solution fintech **

Summary of Achievements:
▪ Worked on business setup, market research, product design, ideation & strategy design, pitch deck preparation and raising venture capital.

▪ Helped setup processes, governance structures and focused on experience management at all customer touch points.

** CRIF is a global company specializing in credit bureau and business information, outsourcing and processing services, and credit decisioning solutions. CRIF acquired the UAE and Egypt businesses of Dun & Bradstreet in 2015.**

Reporting to Managing Director
Team Size: 2

Summary of Achievements:

Key Accounts:
▪ Acquired and grew a key portfolio of banks and financial institutions across UAE for CRIF D&B Credit & Compliance platform (CCAM). Helped triple revenue and more than doubled the number of banking relationships to make it a USD 1M+ business.

Marketing:
▪ Setup a new marketing organization to improve brand & category awareness through fresh social media strategy and multiple event participation.

Product Management:
▪ Conceived and developed Due Diligence Automation Software (DDAS) which drastically improved operation efficiency by almost 40% and improved service quality and improved data warehousing and management.

▪ Developed and launched CRIF Gulf Score specially for GCC region which captured Transparency and Business Confidence. Designed qualitative scorecard from scratch which assessed a multitude of variables.

▪ Successfully launched new compliance product D&B Onboard across the region.

▪ Co-developed solutions for the UAE's Credit Bureau, Dubai SME and Saudi SME development authority to evaluate businesses and setup a due-diligence automation framework.

I was part of the Global Corporate Payments group, focused on B2B payment solutions across various verticals. Gained immense exposure to all aspects of the payments business like issuing, acquiring and processing

Summary of Achievements:
▪ Consistently achieved Booked Charge Volume (BCV) goals through Corporate Cards, BTAs (Business Travel Account) & Corporate Purchasing Cards (CPS) year on year.

▪ Successfully positioned platform offerings as an alternative to existing institutional lending models in B2B payments.

▪ Developed Excel based Cost Benefit Analysis (CBAs) model for corporates using parameters viz., cost of capital, credit periods, float savings & loyalty programs to increase revenue.

▪ Worked on new partnership development in sectors like utilities, travel agencies, insurance, commodity payments, etc.

Summary of Achievements:
▪ Successfully worked with SMEs and large exporters to drive sales across all segments and grew revenue and portfolio.

▪ Awarded as ‘Top Gun' at the All-India ‘Consultative Selling Skills' workshop.

▪ Contributed to attain biggest express shipment for Bangalore of 13.2 Tons

** HNI India (Formerly BP Ergo Ltd) is India's leading one of the largest workplace furnishings manufacturers in the world **

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Drove customer acquisition and account management for Modular Office Furniture and other associated products.

Assisted Account Manager to meet deadlines to create ATL & BTL communication materials for various clients.