Hi, I’m
OSCAR BASIL CYRIL JOSEPH
Washington,DC
Summary
Executive-level operator with 15+ years leading transformation across fintech, SaaS, enterprise, nonprofit, and banking. Drove 3x revenue growth, built customer success frameworks cutting churn to <0.5%, and expanded adoption by 52%. Currently extending GlobalGiving's AI/blockchain roadmap into a year-long U.S. internship as part of a STEM MBA. Combines startup agility with board-level strategy for high-growth environments, applying graduate-level quantitative, systems, and decision science training from a STEM-designated MBA to system design and optimization.
Overview
15
years of professional experience
1
Certification
Work History
Razorpay
Associate Director, Account Management
03.2023 - 08.2024
Job overview
- Designed non-standard revenue forecasting logic tailored to regulated fintech constraints, using independent technical judgment, integrating data sources / APIs / platforms, under regulatory / scale / financial constraints, supporting $500M+ annual TPV, applying graduate-level STEM training.
- Executed GTM strategies across payments, SaaS, and compliance, securing $500M+ annual TPV, with independent technical judgment in defining system-level decisions for API-led KYC integration, reducing onboarding rejection rates by 30%.
- Collaborated with product and data science teams to design AI/ML fraud scoring aligned with regulatory thresholds, applying graduate-level quantitative training to non-routine operational models under compliance deadlines, supporting millions of transactions and minimizing financial exposure.
- Architected self-healing in-store payments platform using independent technical judgment, integrating distributed systems architecture and Kafka event-driven patterns, under latency/reliability constraints, supporting $3.25B+ TPV, applying STEM MBA decision science.
- Defined payment failure auto-reposting framework with established non-routine logic, integrating APIs and cloud-native infrastructure, under regulatory constraints, reducing dispute volume and revenue leakage.
- Set technical standards adopted across POS heartbeat monitoring system, authorized system behavior under exception states, integrating Redis caching and PostgreSQL ACID compliance, supporting national rollouts.
- Co-developed exclusive reward points feature with CRED, using independent technical judgment, integrating APIs and loyalty platforms, under regulatory / scale constraints, driving 35% increase in premium user acquisition.
- Partnered with 3 Buy-Now-Pay-Later providers to embed flexible financing into POS systems, determining architectural trade-offs for API/SDK integration, under financial exposure constraints, capturing 18% of India's SMB BNPL volume in 12 months.
Ezetap Mobile Solutions Pvt Ltd
National Manager, Customer Success
02.2015 - 03.2023
Job overview
- Designed bespoke system specifications for national hub-and-spoke operations model, using independent technical judgment, integrating data pipelines and UAT automation, under scale/compliance constraints, supporting $500M+ TPV, applying graduate-level systems training.
- Overhauled customer success workflows, reducing churn below 0.5% while driving 18% ARR growth, with defined system-level decisions for KPI governance framework, integrating Salesforce and fraud scoring tools, under financial exposure constraints.
- Implemented KPI governance framework that fueled 24% SaaS revenue increase and 52% customer expansion, determining architectural trade-offs for API/SDK monetization, under KYC/AML regulatory constraints.
- Closed multiple enterprise deals over $1M and scaled national hub-and-spoke operations across 17 regions, setting technical standards adopted across segments like healthcare and government, supporting millions of transactions.
- Developed non-standard architectures for government utility digital collections rollout, integrating Mini GPRS devices & Android POS, under latency/reliability constraints, avoiding revenue loss in critical sectors.
- Authorized system behavior under exception states for field inventory lifecycle optimization, integrating PCI workflows and cloud tools, under compliance deadlines, reducing operational costs.
ICICI Bank Ltd
Private Wealth Manager / Senior Client Advisor
08.2009 - 02.2015
Job overview
- Defined integration framework for compliance initiatives like Mandate Holder and Contactability Optimization, using independent technical judgment, integrating data sources, under regulatory/financial constraints, supporting $12B+ deposit mobilization, applying STEM training.
- Managed $10M+ AUM across HNI/NRI portfolios, ranking Top 5 nationally for revenue growth, with established non-routine logic for portfolio risk stabilization, minimizing financial exposure.
- Designed compliance initiatives contributing to $12B+ deposit mobilization and strategic banking projects, determining architectural trade-offs for high-value deposit mobilization strategy.
- Set technical standards adopted across regional forex revenue expansion and NRI portfolio growth programs, supporting revenue integrity governance.
Education
The George Washington University
MBA from AI, Pricing & Revenue, Strategy, Innovation & Entrepreneurship
05.2026
University Overview
Relevant Coursework: Digital Transformation, Visualization for Analytics, Foundations of Artificial Intelligence, Web & Social Analytics
Skills
- Strategic Growth & Finance
- P&L Ownership
- GTM Strategy
- Market Entry
- FP&A
- Business Turnarounds
- Customer Success & RevOps
- Retention & Renewal
- Churn Reduction
- NRR/CLTV Expansion
- Account Health
- CX Playbooks
- Scaled Enterprise Transactions
- Payments & FinTech
- Merchant Acquiring
- BNPL
- FedNow/UPI/Pix
- Cross-Border Payments
- Payment Orchestration
- KYC/AML/FEMA Compliance
- Product & SaaS Leadership
- Zero-to-One Launches
- SaaS/PaaS Commercialization
- API/SDK Monetization
- Embedded Finance
- PLG Strategy
- AI & Decision Intelligence
- Predictive Analytics
- KPI Dashboards
- AI/ML Product Strategy
- Blockchain Solutions
- AI Governance
- Operational Excellence
- Lean Six Sigma Black Belt
- BOT Models
- SLA & SOP Design
- Cost Optimization
- International Rollouts
- Vendor Management
- Partnership & Stakeholder Leadership
- Bank & FI Partnerships
- Vendor & Partner Management
- Strategic Alliances
- CXO & Board Engagement
- Public-Private Partnerships
- Global Perspective
- Nonprofit SaaS Roadmaps
- ESG & Impact Metrics
- Multimarket Strategy
Websites
Certification
- Lean Six Sigma Black Belt
- Blockchain Strategy (HKU)
- FinTech Foundations
- Agile & Scrum
- GTM Planning
- Risk Management
Languages
English
Hindi
Tamil
Personal Information
- Austin
- Atlanta
- Raleigh
- Dallas
- Phoenix
- Charlotte
- New York
- CA
- VA
- Work Permit: Work Authorized - OPT (Valid through 2029)
- Availability: Open to Relocation
- Visa Status: Work Authorized - OPT (Valid through 2029)
Executive Profile
Executive-level operator with 15+ years leading transformation across fintech, SaaS, enterprise, nonprofit, and banking. Drove 3x revenue growth, built customer success frameworks cutting churn to <0.5%, and expanded adoption by 52%. Currently extending GlobalGiving's AI/blockchain roadmap into a year-long U.S. internship as part of a STEM MBA. Combines startup agility with board-level strategy for high-growth environments, applying graduate-level quantitative, systems, and decision science training from a STEM-designated MBA to system design and optimization., Strategic Growth & Finance, Customer Success & RevOps, Payments & FinTech, Product & SaaS Leadership, AI & Decision Intelligence, Operational Excellence, Partnership & Stakeholder Leadership, Global Perspective, Scaled FinTech Revenue - Directed enterprise and government accounts at Razorpay and Ezetap, delivering $100M+ ARR with 145% YoY growth., Expanded MRR & Retention - Increased Monthly Recurring Revenue by 214% for a telecom client., GlobalGiving SaaS Strategy - Built AI-driven checkout flows and PRDs; forecasted 15% lift in repeat transactions., Pro Bono → Internship → Academic Year Extension - Delivered recommendations that shaped GlobalGiving's payments strategy., Razorpay Market Expansion - Orchestrated cross-functional GTM execution securing $500M+ annual TPV., Ezetap Customer Success - Rebuilt national CX framework; reduced turnaround from 4 days to 1.75 days.
Clearance Status
Federally Adjudicated Suitability (Tier 1 / NACI) - Active Smithsonian Affiliate
Awards
- Reliance Retail, CEO Recognition for early P&L mastery (Age 22)
- ICICI Bank, Ranked Top 5 nationally for revenue growth
- Ezetap, Recognized in CNBC Disruptor listings for payments innovation
Timeline
Associate Director, Account Management
Razorpay
03.2023 - 08.2024
National Manager, Customer Success
Ezetap Mobile Solutions Pvt Ltd
02.2015 - 03.2023
Private Wealth Manager / Senior Client Advisor
ICICI Bank Ltd
08.2009 - 02.2015
The George Washington University
MBA from AI, Pricing & Revenue, Strategy, Innovation & Entrepreneurship