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Simrat Sethi

@simratsethi

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I’m a payments and fintech operations leader driving revenue, unit economics, and fraud-optimized growth.

United States

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What I'm looking for

I’m looking to lead payments/fintech operations where revenue and unit economics are owned end-to-end—scaling onboarding, fraud/risk, and monetization while building teams and infrastructure that turn complexity into predictable growth.

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.

Payments Operations Pricing Strategy Fraud Operations Chargebacks Unit Economics

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.

& Customer Success Implementation Embedded Finance Card Issuing ACH Controls BIN Strategy SLAs & Operational Dashboards

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.

Card Issuing Customer Experience (CX)Program Management Partner Enablement Instant Issuance Support Operations Cross Functional Execution

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.

Digital Banking Go To Market Management Partnerships & Alliances Regulated Environments Cross functional Leadership Banking Products