Simrat Sethi
@simratsethi
I’m a payments and fintech operations leader driving revenue, unit economics, and fraud-optimized growth.
United StatesWhat I'm looking for
I’m an operations and revenue leader with 17+ years of experience building and scaling high-performance operating systems across payments, fintech, and digital banking. I’m known for owning end-to-end operations tied directly to revenue outcomes—pricing strategy, monetization, fraud/risk optimization, and customer/merchant lifecycle performance.
At Bolt Financial, I owned end-to-end operations across merchant onboarding, customer lifecycle, and risk/fraud for a ~$1.5B GMV portfolio, driving ~$10–14M in net revenue. I led a portfolio-wide repricing initiative, designed new monetization layers beyond GMV-based fees, and supported BNPL integration (Affirm) to drive ~12% upsell across high-AOV merchant segments.
I also focus on measurable risk and execution improvements. I rebuilt fraud strategy and pricing alignment, reducing fraud losses to <2% while aligning risk exposure with margin targets, and I improved chargeback win rates from ~8% to ~30%, significantly reducing loss exposure.
Previously at FIS (including Bond Financial Technologies), I led implementations and customer success for embedded finance and card issuing programs, supporting 100K+ users / 50K+ accounts and reducing program launch timelines from 6+ months to 8–12 weeks. Before that, at Deserve and Kotak Mahindra Bank, I delivered API-first card issuing and launched Kotak 811 by owning customer journey and go-to-market execution in regulated environments.
Experience
Work history, roles, and key accomplishments
VP, Customer & Merchant Ops
Bolt Financial
Oct 2025 - Apr 2026 (6 months)
Owned end-to-end merchant onboarding, customer lifecycle, and risk/fraud operations for a ~$1.5B GMV portfolio, driving ~$10–14M in net revenue. Improved unit economics via repricing (~10 bps to ~79 bps), reduced fraud losses to <2%, increased chargeback win rates (~8% to ~30%), and scaled a 26-member global team to 98%+ retention and 95%+ SLA performance.
Senior Director, Implementations
FIS
Jan 2021 - Jan 2025 (4 years)
Led onboarding, implementations, and customer success for embedded finance and card issuing programs across the payments ecosystem. Scaled programs to 100K+ users / 50K+ accounts, accelerated launch timelines from 6+ months to 8–12 weeks, reduced support volume ~12% via automation, and improved delivery consistency with ~1-hour response and <3-day resolution SLAs.
Senior Manager, Customer Experience
Deserve
Jan 2019 - Jan 2021 (2 years)
Drove API-first card issuing platform delivery and customer operations for high-growth fintech programs. Delivered end-to-end implementations for digital-first credit programs (e.g., BlockFi, Sallie Mae), helped launch Mastercard Digital First capabilities (instant issuance, wallet provisioning), and led a 60+ person global operations team across CX, support, and program delivery.
Senior Leadership (Digital Banking)
Kotak Mahindra Bank
Jan 2009 - Jan 2018 (9 years)
Contributed to the launch and scaling of Kotak 811, owning elements of the customer journey and go-to-market execution within a regulated banking environment. Led cross-functional teams and managed strategic partnerships across banking, credit, and wealth product areas.
Education
Degrees, certifications, and relevant coursework
BIMM Pune
MBA (PGDM), Business Administration
Grade: Distinction
Completed an MBA (PGDM) at BIMM Pune, graduating with Distinction.
Panjab University
Bachelor of Commerce (Honors), Commerce
Grade: Gold Medalist
Earned a B.Com (Honors) from Panjab University, graduating as a Gold Medalist.
Availability
Location
United StatesAuthorized to work in
Job categories
Skills
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