Jubisha Kewalramani

About

I am a seasoned professional with over 13 years of relentless dedication to the fintech industry, specializing in Card Issuing, Merchant Acquiring, Dispute Management, Reporting & Invoicing, and Credit Risk & Debt Collection. My career journey has been defined by driving transformative initiatives that elevate payment ecosystems and propel businesses towards sustainable growth. As a Lead Payment E-Commerce Partner Manager, I have honed my skills in navigating complex landscapes and devising innovative strategies that optimize operational efficiency and revenue growth. With a focus on partnering with and evaluating optimal payment providers, I ensure alignment with our business requirements while prioritizing security. My responsibilities include scaling operations globally across key markets such as EU, US, UK, Middle East, and Africa, delivering robust solutions tailored to regional nuances and regulatory landscapes. My agile experience is underscored by a proven track record of leading high-performing teams through dynamic market shifts, leveraging cutting-edge technologies to deliver robust solutions. In my role as a Payments Strategy, Consulting & Partnerships, I have spearheaded pivotal projects aimed at scaling revenues to exceed the $100M mark, fostering strategic alliances that amplify market presence and drive profitability. My commitment to excellence is mirrored in my meticulous approach to problem-solving and my passion for cultivating collaborative environments that foster innovation and continuous improvement. I am driven by a relentless pursuit of excellence and thrive on the opportunity to leverage my deep industry knowledge to shape the future of fintech.

Experience

• Senior Online Payment Product Partnerships Manager · Kärcher Deutschland2023-09-01 –

  As a payments specialist at Kärcher, I evaluate and select optimal Payment Service Providers (PSPs) to scale our global payment infrastructure. This involves rigorous market research, overseeing PSP integration across all subsidiaries, and ensuring compliance and security with local regulations. Engaged in contract negotiations and commercial functions. I monitor key performance indicators (KPIs) such as transaction success rates, onboarding time, and processing times to measure solution effectiveness. Collaboration with internal stakeholders ensures our solutions meet business needs and enhance customer experience. By staying updated on industry trends, I continuously refine Kärcher’s payment landscape to maintain our leadership in payment innovation.

• Senior Manager - fintech · Serrala2022-09-01 – 2023-12-01

  Credit and Risk Management SAP solution, Debt Collection, Dunning Management and Compliance, Fintech SAAS Cloud operating digital platform.

• Product & Partnerships Manager- Omnichannel Merchant Acquiring Solutions · Verifone2019-12-01 – 2022-05-01

  Managed omnichannel acquiring including onboarding, KYC, Invoicing—improved activation efficiency by 65%. Integrated Stripe, Klarna, Mollie, Adyen—added GPay, Apple Pay, Paypal express checkout, driving 60% growth in adoption. Boosted rates from 40% to 85% through open banking and one-click checkout. Led and managed analytical dashboard for merchant reports (IC++, Visa GOC, QMR) reducing support queries by 40%.

• Global Product Manager - Disputes and Chargebacks · Mastercard2016-10-01 – 2019-08-01

  Worked on tools like Mastercard Dispute resolution and Ethoca for chargeback prevention, reducing rates by 70%, and improved resolution efficiency by 95%. Reduced chargeback lifecycle timelines and boosted revenue by 80%. Analyzed merchant chargeback ratios, optimizing processes and improving resolution efficiency by 95%. Delivered projects with full PSD2, 3D-Secure, and PCI DSS compliance.

• Product Manager – Card Issuing and Payments · TSYS2013-12-01 – 2016-10-01

  Managed end-to-end card-issuing workflows. Leveraged TSYS TS2 and QuickRemit systems to boost processing speed by 85%. Delivered secure mobile payments via Semafone DTMF, reducing fraud risk by 95%. Led integration of APMs and card issuing flows; improved processing speed by 85%. Experience in onboarding, Direct Debit setup, SEPA, disputes, loyalty, and verification—all core elements of recurring billing platforms.

Education

• Prof Ram Meghe College of Engineering & Management, Badnera RlyBachelor of Engineering (BE), Computer Science
• Stanford UniversityMBA, Computer Science

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