Nikhil Karbhari

About Nikhil Karbhari

I am a business growth and strategic alliances leader with 21+ years of experience across fintech, digital payments, loyalty platforms, SaaS solutions, and enterprise partnerships.My career has been shaped by building ecosystems that connect banks, merchants, fintech partners, and consumers — driving value, adoption, and new revenue streams. Whether scaling UPI merchant acceptance, launching Pay-With-Rewards propositions, designing enterprise loyalty solutions, or forging PSP/POS alliances, my focus remains on solving real customer problems through partnership-driven innovation.I have led teams across sales, alliances, CRM, program management and operations (3–16 members), managed P&L, influenced product roadmaps, and built GTM strategies for mid-to-large scale tech offerings.Today, I continue to build and scale growth engines that sit at the intersection of technology, payments, loyalty, and consumer engagement.Core strengths: Strategic alliances, merchant acquisition, loyalty rewards, fintech integrations, UPI P2M, SaaS GTM, partner value delivery, CXO stakeholder engagement, P&L ownership, leadership & team development.

Experience

1. Head of Growth

   Twid

   Oct 2023 — Present · Mumbai, IN

   Built TWID\'s merchant acceptance network through partnerships with POS providers, PGs, and enterprise retailers, enabling scan-and-pay redemption experiences.• Strengthening issuer partnerships across banks, prepaid issuers and card networks to accelerate adoption and redemption throughput.• Led GTM strategy, proposition design and category expansion for reward-based UPI payments.• Mentoring and scaling a multi-functional growth team with expansion plans to 10+ members within a year.• Developing merchant-funded reward models and blended interchange frameworks to enhance revenue sustainability.

Education

• Madhya Pradesh Bhoj (Open) University

  Bachelor of Arts (B.A.), Economics

  2003 — 2006

• Indian Institute of Management, Lucknow

  Executive Global Business Management Program, Global Management

  2012 — 2013

• HarvardX

  Executive Certification, Entrepreneurship in Emerging Economies

  2020 — 2020

• Veermata Jijabai Technological Institute (VJTI)

  Licentiate degree, Civil engineering

  1998 — 2002

• National Institute of Management

  Master of Business Administration (MBA), Supply Chain Management and Marketing

  2006 — 2008

Skills

• Sales
• Crm
• Product Development
• Analysis
• Business Development
• Vendor Management
• Business Intelligence
• Loyalty Programs
• Key Account Management
• Management
• Team Building
• Strategy
• Account Management
• Retail
• Training
• New Business Development
• Team Management
• Leadership