Kkunal Ggoyal

About Kkunal Ggoyal

I operate at the intersection of strategy, operations, and financial infrastructure, bringing 15+ years of experience across payments, cross-border fintech, and trade finance. Most recently, I’ve built and scaled operations from 0→1 at a high-growth, multi-region payments company, working directly with the founding team to design and execute core business infrastructure.My expertise spans end-to-end money movement systems, including global B2B payment flows, on-ramp/off-ramp architectures, and deep operational understanding of stablecoin ecosystems such as USDT/USDC, including integrations with networks like Circle payment infrastructure. I have hands-on experience managing treasury for fintechs, including liquidity planning, treasury registers, and optimizing fund flows across rails.I’ve architected and operationalized rail registers, treasury governance frameworks, and RBAC systems, ensuring scalability, control, and auditability across jurisdictions. My work also includes building robust layers for reconciliation, dispute management, refunds, vendor payouts, and customer support operations, with a strong focus on automation and operational efficiency.From designing AML/KYC-compliant workflows to enabling seamless coordination between product, engineering, compliance, and banking partners, I bring a systems-thinking approach to scaling fintech operations globally.If you’re building or scaling a cross-border payments or crypto-enabled fintech, I can help you- Design and optimize money movement and treasury systems- Set up stablecoin-based payment flows and off-ramp strategies- Build operational infrastructure from scratch (0→1)- Drive governance, controls, and automation at scaleI bring the mindset of a COO/operator — balancing execution, risk, and growth — to help fintechs scale efficiently across markets.

Experience

1. Head of Payment Operations & Compliance

   Tazapay

   Jan 2021 — Present · New Delhi, IN

   Payments,on-boarding,disputes and chargeback,risk,customer support,hiring,strategy,partnerships

Education

• IBS Mumbai

  Master of Business Administration (MBA), Finance, General

• Indian Institute of Management, Calcutta

  Executive programme inFintech & AI

• Punjabi University

  B.COM (TAX HONS.), COMMERCE

• Institute of Cost Accountants of India

  CWA FINAL, COST ACCOUNTS

  2007 — 2009