Ripunjai Gaur

Lead Paytm’s offline merchant payments business—millions of merchants, QR, Soundbox, EDC, EMI Building AI-enabled businesses that make millions of merchants more productive and profitable.A high-growth, profitable operation built from first principles. Early years proved an unproven model—one region, one merchant relationship at a time, we built distribution networks, merchant trust, and operating systems in markets with zero guarantees. Today, the focus is scaling P&L: merchant economics, cost-to-revenue leverage, and product-market fit.Career arc: • VP (2017–2019): Product strategy & distribution models • SVP (2019–2021): Scaled playbook, architected foundations • CBO (2021–2025): High-growth expansion, unit economics optimization • COO (2025–Present): Own P&L, end-to-end operations, complianceHow we win: • AI-driven operations: Real-time risk scoring, fraud detection, KYC automation—compliant scale with reduced friction • Distribution + feedback loops: Test segments → learn merchant demand → feed insights to product roadmap • Merchant economics: Right product, right segment, right unit economics • Operational leverage: Optimized cost-per-merchant through field scale and AI automationFocus: P&L ownership, revenue & cost optimization, AI/ML strategy,compliance, merchant governance at scale.Built this business from concept to millions of merchants—deepening ownership across strategy, scale, and operations.