Consultant – Cards Acquiring & Merchant Business Transformation

Drive business growth, revenue expansion, operational excellence, and customer experience improvements across the Cards Acquiring ecosystem. The consultant will be responsible for optimizing the end-to-end merchant lifecycle, including merchant acquisition, onboarding, setup, servicing, settlement, reconciliation, dispute management, and continuous process improvement.

• Identify new revenue opportunities through value-added services, payment solutions, and merchant partnerships.
• Analyze merchant portfolio performance and recommend growth initiatives.
• Support market expansion and merchant penetration strategies.
• Streamline merchant onboarding processes to reduce turnaround time.
• Optimize KYC, risk assessment, underwriting, and compliance controls.
• Coordinate POS, payment gateway, QR, and e-commerce integrations.
• Improve first-time-right onboarding and activation rates.

• Review and redesign onboarding workflows for efficiency and scalability.
• Enhance automation opportunities across merchant setup activities.
• Improve SLA adherence and customer experience during implementation.
• Standardize operating procedures and governance controls.

• Lead initiatives to improve merchant support and service quality.
• Establish service metrics, operational dashboards, and performance governance.
• Reduce merchant complaints and service-related escalations.
• Enhance relationship management frameworks for key merchants.
• Assess settlement processes and identify opportunities for optimization.
• Improve reconciliation controls across acquiring, merchant settlement, and financial accounting.
• Minimize settlement delays, exceptions, and financial leakage.
• Strengthen operational controls and regulatory compliance.

• Ensure adherence to Visa, Mastercard, RuPay, and acquiring regulations.
• Review chargeback and dispute management frameworks.
• Identify fraud prevention and risk mitigation opportunities.
• Enhance compliance monitoring and operational governance.

• Conduct process assessments covering People, Process, Technology, and Risk.
• Deliver automation and digitization initiatives.
• Define KPIs, MIS, and executive dashboards.
• Lead continuous improvement programs focused on efficiency, scalability, and cost reduction.

• Deep understanding of Cards Acquiring Operations and Merchant Lifecycle Management.
• Merchant onboarding, KYC, underwriting, and risk management expertise.
• Merchant servicing and settlement operations knowledge.
• Reconciliation, payments, chargebacks, and dispute management experience.
• Business process re-engineering and operational transformation.
• Data analytics, dashboarding, and performance management.
• Stakeholder management and consulting skills.

• 5+ years in Payments, Merchant Acquiring, Cards, Fin Tech, or Banking Operations.
• Experience with Visa, Mastercard, RuPay, Payment Gateway, POS, QR, and Digital Payments ecosystems.
• Experience in consulting, transformation, operational excellence, or business process optimization.

• Increase merchant acquisition and activation rates.
• Improve merchant satisfaction and retention.
• Reduce onboarding and servicing turnaround times.
• Improve settlement accuracy and reconciliation efficiency.
• Reduce operational costs through automation.
• Strengthen compliance, controls, and risk governance.
• Deliver measurable revenue growth and operational productivity.