Scaling merchant lending through growth, partnerships and operations
BharatX is an embedded credit infrastructure startup providing zero-friction consumer credit via merchant integrations. As Merchant Success Lead, I managed the entire merchant lifecycle—from integration and merchant acquisition to payment activation and portfolio operations.
Context & Core Problem
The startup needed to accelerate disbursals while tackling friction in merchant tech integration, high drop-off during onboarding, and maintaining tight risk parameters with minimal churn.
How I Approached It
Redesigned the end-to-end merchant activation lifecycle, streamlining technical SDK handoffs and slashing integration turnaround time from 1.5 days down to 30 minutes.
Designed and executed Payment Gateway (PG) activation campaigns and checkout placement optimization that lifted checkout conversion by 89%.
Instituted automated reconciliation, dispute resolution workflows, and high-touch merchant relationship management.
Collaborated closely with risk and product engineering teams to refine credit underwriting parameters without adding user drop-off.
Key Results & Outcomes
Interested in collaborating or discussing this work?
I'm always open to discussing growth challenges, GTM strategy, or early-stage venture building.