Building BaaS Platform 0 to 1

Zeta is a new-age platform for banks and FIs to re-platformise their legacy tech without relying on patchwork across a dozen vendors.

I started working with Zeta in early 2020 as product lead for Fusion (BaaS) product. Fusion API & SDKs enable tech companies embed banking products in their apps in a plug-and-play manner with built-in compliance.

$12Mn monthly GTV (INR 100 Cr) in 12 months of go-live.

Built Fusion MVP: Worked with Fampay (1st customer) and IDFC Bank (1st co-branding partner) to build the MVP. Designed and built v1 APIs (team of 14) for account holder onboarding, KYC (Aadhaar OTP), account issuance and card issuance. Fampay scaled to INR 30 Cr monthly volumes in a few month of go-live.

Built API Documentation: Drafted developer guides and API references. Designed and built API documentation site using confluence.

Onboarded RBL Bank: Onboarded RBL as 2nd co-branding partner. Onboarded 1st customer with RBL as banking partner.

Built Fusion Product Team: Hired, trained, managed a team of 3 PMs and 1 BI analyst for Fusion.

Scaled Fusion with RBL: Built KYC integrations with RBL (min KYC, Aadhaar XML). Added support for Virtual Account Numbers (VANs). Added 10+ new customers. Built regulatory reporting.

Video Guides for Developers: Introduced video guides for developers working with Fusion APIs. Added tons of improvements to dev guides and API references including migration to Hugo to fix performance issues.

Built Fusion Back-office: Planned and built 10+ apps to empower Fusion customers (and developers) to self serve themselves. This includes self serve token management app, payment simulation app, API performance monitoring app, customer support app, reporting app, business intelligence app, among others.

Onboarded SBM Bank: Onboarded SBM as 3rd co-branding partner. Added PostPe as 1st customer with SBM. PostPe scaled to INR 50 Cr monthly volumes in a few weeks of go-live.

Fusion at Money 20/20: Enabled US credit card issuance support on Fusion to demo end-to-end credit program (issuance and processing) capabilities at Money 20/20.

Video KYC with RBL: Planned VCIP (Video-based Customer Identification Process) with RBL.

Key Customers: Fampay, Ebix Cash, Junio, PostPe, KreditBee