Candidate

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First Name: Zareen
E-Mail Address: zareen1karim@gmail.com
Country: India
Phone: 8553005674
Current Job Designation: Associate Director
Job Designation Applying For: Sales
Total Years of Experience: 13
Copy your Resume / CV in this box: zareen1karim@gmail.com +91 85530 05674 linkedin.com/in/zareen-taj
ZAREEN TAJ
BUSINESS DEVELOPMENT PROFESSIONAL
Dynamic and results-driven business development professional with 13+ years of progressive
experience in the fintech and payments ecosystem, specializing in the enterprise partnerships,
strategic alliances, and revenue growth. Adept at driving large-scale payment solutions, cross-
border payment strategies, and portfolio diversification across leading platforms like Worldline,
PhonePe, ZestMoney, and Flipkart. Skilled in leveraging data insights to optimize strategies,
enhance customer experience, and lead high-performing teams towards organizational growth.
RELEVANT SKILLS
Business Development Strategic Partnerships Revenue Growth Commercial Negotiations
Portfolio Diversification Enterprise Account Management CRM & Data Insights QlikView
Deal Structuring Go-to-Market Strategy Fraud Risk Management Cross-Border Payments
WORK EXPERIENCE [13+ YEARS]
ASSOCIATE DIRECTOR – BUSINESS DEVELOPMENT
WORLDLINE, KARNATAKA, INDIA 07/2022 – Present
• Drove business development deals with top-tier E-commerce
merchants, with 30% YoY growth
• Spearheaded cross-border payments strategy for enterprise
clients like Air France-KLM, optimizing FX costs
• Led the team to establish new BBPS entry strategy, achieving
a 30% market share increase in one year
• Oversaw the end-to-end client lifecycle for POS, Payment
Gateway, & Linkpay solutions for key enterprise merchants
like Flipkart, PhonePe, OneCard, Myntra, and Cred
• Negotiated and structured highly complex commercial deals
expanding wallet and Paytech adoption across hospitality
and omni-channel sectors
• Built robust business cases with ROI models, improving
bottom-line focus and accelerating time-to-market by 25%
• Reduced high-risk exposure by 20% YoY through strategic
partner alignment and cross-sell initiatives
• Conducted credit reviews & led critical business continuity
assessments for enterprise accounts
• Collaborated with Risk and Compliance to ensure adherence
to PCI DSS and Reserve Bank of India guidelines
• Developed and implemented go-to-market strategies that
unlocked ₹50 Cr in new business pipeline within 12 months
• Led joint solutioning workshops with enterprise clients,
cutting the onboarding timelines by 40% and accelerating
revenue realization
• Established the centralized partner evaluation framework,
improving partner selection quality & reducing churn by 18%
• Delivered business reviews and the portfolio performance
updates to senior leadership on a quarterly basis
BUSINESS MANAGER
PHONEPE, KARNATAKA, INDIA
10/2017 – 07/2022
• Managed high-value enterprise accounts like
IRCTC, Ola, RedBus, ensuring the 100% SLA
compliance
• Drove strategic partnership with Visa to launch
CCBP, Visa One Click, & Tokenization projects,
increasing card transaction volume by 40%
• Partnered with Flipkart to integrate Supercoins
with the PhonePe, boosting the cross-platform
retention and generating 15% revenue uplift
• Effectively integrated with HDFC Bank, FSS, and
CyberSource, expanding merchant coverage
• Enabled the acceptance of Airtel Money and
Freecharge wallets, increasing higher customer
payment choices with 12% rise in transactions
• Launched rent payments category on PhonePe,
enabling recurring high-value transactions
• Onboarded and scaled high-growth merchants
across retail, education, and online verticals by
new merchant lifecycle framework
• Drove several gaming category integrations with
Dream11, RummyCircle and Junglee Games,
contributing ₹10 Cr monthly GMV
• Acted as primary liaison with Reserve Bank of
India to ensure PAPG license compliance for
diverse payment options
• Designed and launched the merchant lifecycle
frameworks, reducing the onboarding time
• Established the real-time business monitoring
systems for anomaly detection and resolution,
cutting downtime by 35%
TEAM LEAD – FRAUD & RISK
ZESTMONEY, KARNATAKA, INDIA 07/2016 – 06/2017
• Built and managed strategic merchant relationships with
Spinny, Gozefo, and Rentomojo, driving 40% growth in BNPL
acceptance footprint
• Led a 7-member risk operations team to streamline merchant
onboarding, reducing TAT by 25%
• Partnered with the CCAvenue, Razorpay, and TechProcess,
enabling 20% expansion of payment processing capabilities
• Performed 100+ credit risk assessments and repayment
trend analyses, minimizing exposure to high-risk merchants
• Conducted detailed KYC/KYB due diligence to validate the
business legitimacy and ensure regulatory compliance
• Designed periodic merchant risk scoring model that reduced
fraudulent merchant activity by 30% within 6 months
• Implemented automated fraud rule engines to flag high
chargeback merchants, cutting losses by ₹50 Lakhs annually
• Established the dispute resolution workflows and the SLAs,
improving merchant issue resolution speed by 35%
SENIOR FRAUD RISK ANALYST
FLIPKART, KARNATAKA, INDIA 02/2014 – 07/2016
• Built real-time fraud MIS dashboards, enabling data-driven
decision-making and preventing ₹2 Cr+ annual losses
• Analyzed millions of payment transactions monthly using
device fingerprinting, IP geo-location, & behavioral signals
• Reduced false positives by 20% by refining rule engines and
fraud scoring parameters
• Collaborated with payment gateway teams to integrate risk
rules at the transaction authorization layer
• Supported the continuous improvement of fraud rulesets,
cutting manual review load by 40%
• Prepared monthly executive reports on fraud KPIs and loss
metrics for senior management
ANALYST – ORDER TO CASH
ORACLE, KERALA, INDIA 08/2010 – 08/2012
• Managed end-to-end AR collections for global enterprise
accounts worth $20M+, maintaining 95% on-time collections
• Reconciled complex multi-currency accounts and resolved
discrepancies to ensure clean month-end closings
• Supported internal & external audits by reconciliations
• Coordinated with sales and billing teams to resolve invoice
disputes and accelerate cash realization
• Prepared weekly cash flow forecasts to support financial
planning and liquidity management
• Ensured compliance with corporate credit policies and GAAP
standards
TECHNICAL SKILLS
Data Analytics & Business Intelligence: QlikView,
Power BI, Microsoft Excel, SQL
Payments & Fintech Platforms: Payment Gateway
Solutions, Linkpay, BBPS, Wallets, PSPs, Cross-border
payments, FX optimization and settlements, Risk
monitoring & fraud detection systems, Merchant
onboarding & lifecycle management
CRM & Business Tools: Salesforce and HubSpot,
Microsoft Office Suite, SLA monitoring & real-time
business anomaly detection systems
Regulatory & Compliance Frameworks: PCI DSS
compliance, Reserve Bank of India and Securities and
Exchange Board of India (SEBI) payment regulations,
KYC/KYB verification systems, Credit risk scoring &
merchant risk assessment
SOFT SKILLS
• Strategic Thinking & Decision-Making
• Leadership & People Management
• Negotiation & Influencing Skills
• Problem-Solving & Analytical Mindset
• Client-Centric Communication
• Stakeholder Relationship Building
• Time Management & Prioritization
• Decision-Making Under Pressure
• Continuous Learning Orientation
EDUCATION
MASTER OF BUSINESS ADMINISTRATION
Symbiosis School, Karnataka, India 2025
BACHELOR OF BUSINESS ADMINISTRATION
Dayanand Sagar, Karnataka, India 2002
CERTIFICATIONS
• Project Manage Your Life: How to use PM
Methodologies to Organize Anything
• Business Development: Strategic Planning
• Five Digital Marketing Strategies to Drive
Conversions
• Agentic Artificial Intelligence: Harnessing AI
Agents to Reinvent Business, Work, and Life
• Balanced Scorecard and Key Performance
Indicators
PERSONAL DETAILS
• Nationality: Indian
• Passport Number: P4598037
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