Jose Augustine
Chief Business Development Officer @Novalnet
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WORK HISTORY
Chief Business Development Officer @Novalnet
Garching, DE
As CBDO at Novalnet AG, a BaFin-licensed payment institution and global PSP, I lead international growth across Europe, LATAM, APAC, and Africa. I drive partnerships with merchants, acquirers, schemes, processors, and fintechs to deliver scalable payment solutions:• Leading expansion of Novalnet’s partner network, onboarding Visa, Amex, UnionPay, and key acquirers, while advancing partnerships with Mastercard and Diners.• Spearheaded business development with Tier 1 merchants and resellers in retail, travel, mobility, digital commerce, finance, and iGaming.• Closed high-value commercial agreements, aligning pricing and terms for long-term growth.• Managed onboarding of payment methods incl. card schemes, wallets, direct debit schemes (SEPA, ACH, BACS), open banking, and vouchers.• Supported merchant risk assessments and placed high-risk verticals with suitable partners to unlock new revenue while managing exposure.• Strengthened fraud and compliance by leveraging G2, Sift, Webshield, Visa RDR, Mastercard Ethoca, MPI, and KYB/KYC providers.• Advised on go-to-market, orchestration, and 3DS exemption strategies to improve acceptance and reduce friction.• Represented Novalnet at industry events and partner forums, expanding executive networks across key global markets:Global Business Development | Fintech & Payments | Partnerships | Risk & Compliance | Pricing & Negotiation | Orchestration | Cross-Regional Market Growth | C-Level Relationship Management | Industry Representation & Thought Leadership
EDUCATION
University of Madras
Master of Business Administration - MBA
Grenoble IAE
Master's Degree, International Management
SKILLS
ABOUT JOSE AUGUSTINE
As a global business development leader with over 15 years of experience in the payments and fintech industry, I specialize in helping businesses grow through scalable payment solutions, strategic partnerships, and customer-centric innovation.Currently serving as Chief Business Development Officer at Novalnet AG, I lead international market expansion across Europe, LATAM, APAC, and Africa—working with card schemes, acquirers, fintechs, and merchants to optimize payment ecosystems and unlock new revenue streams:• Global payment processing and fraud management• KYC/KYB compliance and risk mitigation• Contract negotiation and strategic partnerships• Cross-functional leadership and market expansionWith a track record of building trusted relationships at C-level, I thrive on helping organizations navigate complexity, improve payment performance, and deliver value to their customers worldwide:• Sales strategy development and execution• Excellent experience and market knowledge in eCommerce, mobile, Payment processing & Fraud management • Negotiation and Creative problem-solving• Cross-functional collaboration and adaptability in dynamic environments• Identifying and developing new markets and opportunities• Crafting and delivering compelling value propositions that drive growth• Proven track record of managing partners, from analysis and identification to execution.• Customer acquisition & retention• Relationship managementI’m always open to connecting with forward-thinking professionals and organizations shaping the future of digital commerce.
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