Sandipan Mallik
Head of Cheque Cashing Business @Momentum Financial Services Group
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WORK HISTORY
Head of Cheque Cashing Business @Momentum Financial Services Group
Toronto, ON, CA
Oversee ~$1.5B cheque cashing business earning annual revenue of ~$75M across Canada and the US, setting strategic direction and driving growth initiatives, with full P&L accountability, in direct collaboration with C-level executives• Owned and executed the cheque-cashing product roadmap, translating KPI insights (Tableau, SQL, Excel) into executive actions that generated +7% volume growth,+3% ARR uplift and +15 bps margin expansion YoY in North American market• Drove a ~5% YoY increase in cheque-cashing ARR across the Canadian market, while led initiatives to improve cheque return rates by ~6% in the US• Orchestrated targeted call campaigns to retain U.S. government cheque-cashing customers by cross-selling card products amid the phase-out of US Treasury cheques, driving 10% MoM card growth and offsetting ~40% of potential revenue risk• Defined and executed Commercial acquisition strategy through market research and competitive insights across U.S. and Canada, expanding the customer base by +6% and increasing fee revenue +9% YoY• Designed and led the automation of a compliant cheque-cashing process in Florida, with supporting SOPs, communication, and training built in partnership with compliance and operations to reduce processing time by 25%• Led the rollout of money orders in Canada and managed the cross-border money transfer business both in US and Canada in partnership with MoneyGram
EDUCATION
Schulich School of Business - York University
Master of Business Administration (M.B.A.), Business Administration and Management
West Bengal University of Technology, Kolkata
Engineer's Degree, Computer Science and Engineering
Hindu School
High School, Science-Physics, Chemistry, Mathematics and Biology
SKILLS
ABOUT SANDIPAN MALLIK
Senior Product Leader / Senior Product Manager with 15+ years of experience building and scaling P&L-owned fintech, financial services, and platform products across Canada, the US, and India. Proven track record leading $1B+ businesses, owning end-to-end product strategy, roadmaps, and execution, and driving revenue growth, margin expansion, and operational efficiency in highly regulated environments.Currently leading a $1.5B cross-border payments and financial services portfolio, partnering closely with C-suite and executive stakeholders to deliver data-driven product decisions, compliance-first automation, and customer-centric innovation across payments, lending, money movement, and financial platforms.Deep expertise in Product Management, Product Strategy, P&L ownership, CRM & Salesforce platforms, payments, lending, data & analytics (SQL, Tableau), go-to-market execution, and regulatory-led product design, with a strong history of building, mentoring, and scaling high-performing product teams.Actively exploring Senior Product Manager, Director of Product, or Senior Product Leadership roles in Dubai, UAE, where I can help scale fintech, payments, marketplace, and platform products across the Middle East and global markets.
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