Vishal Sharma
Fintech Operations Leader | Merchant Onboarding | Risk & Banking Operations
Helping fintech businesses scale onboarding operations, streamline compliance, and optimize merchant lifecycle management through operational excellence and automation.
About Me
Fintech operations professional with 8+ years of experience across merchant onboarding, banking operations, compliance, risk management, and payment operations. I have worked with leading organizations — Unlimit, MobiKwik, PayU, Worldline, and HDFC Bank — managing end-to-end merchant onboarding, banking coordination, operational risk, and process optimization.
Scalable Processes
Building onboarding workflows that grow with your business
Operational Efficiency
Improving efficiency and reducing turnaround time
Merchant Experience
Driving seamless experiences in fast-paced fintech ecosystems
Core Expertise
Merchant Onboarding
End-to-end onboarding operations and lifecycle management across multiple acquirers
Banking & Acquirer Coordination
Managing banking partnerships and acquirer relationships for smooth operations
Risk & Compliance
Operational risk management, compliance governance, and escalation handling
Payment Gateway Operations
Payment operations and gateway management within fintech ecosystems
Process Automation
Operational excellence through automation tools and process governance
Stakeholder & Team Leadership
Leading cross-functional teams and managing stakeholder escalations
Key Achievements
Reduced Turnaround Time
Reduced onboarding turnaround time through process optimization initiatives.
Automation Tools
Built automation tools using Excel VBA to significantly reduce manual effort.
Multi-Acquirer Operations
Managed merchant onboarding and banking operations across multiple acquirers.
Enterprise Governance
Supported enterprise merchant onboarding and operational governance.
Cross-Functional Collaboration
Collaborated with cross-functional teams including Compliance, Legal, Product, and Banking Partners.
Career Journey
Career Snapshot
7 Yr 11 Mos
1
2
3
4
5
1
Unlimint In Private Limited
Onboarding Manager
April 2026 - Present
2
Zaak ePayment Services Private Limited (MobiKwik )
Manager & Assistant Manager – Banking Operations & Merchant Onboarding
Aug 2023 - Apr 2026
2 yr 8 mos
3
PayU Payments Private Limited
P1 Analyst – Merchant Onboarding & Risk Operations
July 2020 - Aug 2023 4 yr 2 mos
4
Worldline India Private Limited
Senior Sales Officer
September 2019 - June 2020 10 mos
5
HDFC Bank Limited
Sales Executive
July 2018 - September 2019
1 yr 3 mos
My Approach
I believe efficient onboarding operations are critical to building scalable fintech businesses. My focus is always on balancing operational efficiency, compliance governance, merchant experience, and sustainable process improvement.
Let's Connect
Open to discussing opportunities in the following areas:
Fintech Operations
Merchant Onboarding
Payment Operations
Risk & Compliance
Process Optimization
Leadership Opportunities
Contact Information
Open To
- Fintech Operations roles
- Merchant Onboarding leadership
- Payment Operations management
- Risk & Compliance positions
- Process Optimization initiatives
- Leadership Opportunities
Building Scalable Fintech Operations
Through compliance, automation, and operational excellence — Vishal Sharma brings 8+ years of hands-on experience helping fintech businesses scale onboarding operations, streamline compliance, and optimize merchant lifecycle management.
8+
Years of Experience
5
Leading Organizations
Unlimit, MobiKwik, PayU, Worldline, HDFC Bank
Let's Connect
Building scalable fintech operations through compliance, automation, and operational excellence.
Vishal Sharma
Fintech Operations Leader
Location
Gurugram, Haryana, India
Email
Contact Number
+91-9721214031