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Airpay Payment Services — HOD Vyaapaar — Jignesh Jutthani
HOD Vyaapaar Division · 2017 – 2020
Head of Department — Vyaapaar Division

Airpay Payment
Services

Built the VYAAPAAR division from absolute zero — PAN-India architecture, full portal in 90 days, break-even in 18 months, and a nationwide merchant network of over 5,00,000 VYAPAARI partners.

📍PAN India — 10 Zones
📅2017 – 2020
Fintech Payments · Sales Leadership
5L+
Merchants Enabled
5000+
Distributor Channels
90 Days
Portal to Launch
18 Mo
To Break-Even
Jignesh Jutthani — Airpay HOD
HOD Vyaapaar
Airpay Payment Services
The Build Story

Zero to 5 Lakh Merchants in 18 Months

When Jignesh joined Airpay to lead the VYAAPAAR division, there was no division. No team, no product, no infrastructure. He built it all from the ground up.

The first task: architect a PAN-India distribution strategy. He divided India into 10 operational zones — each with dedicated Zonal Heads, Cluster Heads, ASMs, TSMs, and field executives — creating a replicable, scalable structure for rapid national rollout.

“Building from zero teaches you one thing: systems matter more than hustle. The right architecture at the start saves everything at scale.”

Within 90 days, the full portal was live with complete API integrations across 24+ products including DMT, Recharge, BBPS, AEPS, Insurance, and more. Break-even was achieved within 18 months — ahead of every projection.

The result: 5,000+ distributor channels and 5,00,000+ VYAPAARI merchants — each with an efficient health index and profitability matrix tracked in real time.

The VYAAPAAR Build

From Blueprint to National Scale

Day 1
Onboarding
Zero → Architecture
Joined to build VYAAPAAR from scratch. Designed PAN-India 10-zone distribution architecture and team structure.
Foundation
90 Days
Q1 2017
Full Portal Live
Complete portal with 24+ API integrations launched. DMT, AEPS, BBPS, Recharge, Insurance — all live in production.
🚀 Launch
Month 12
2018
1 Lakh+ Merchants
Crossed 1 lakh VYAPAARI merchants milestone. 1,000+ distributor channels active across all 10 zones.
Scale Milestone
Month 18
2018-19
Break-Even Achieved
Division reached profitability ahead of projections. 5,000+ distributors, 5L+ merchants with efficient health index.
🎯 Break-Even
Key Achievements

The Numbers That
Define This Chapter

🏪
5L+
VYAPAARI Merchants
Pan-India merchant network enabled with efficient health index and real-time profitability tracking
📡
5000+
Distributor Channels
Multi-tier distribution network across 10 zones with Zonal, Cluster, ASM, TSM and executive layers
24+
Integrated Products
DMT, Recharge, BBPS, AEPS, Insurance and more — all live within 90 days of inception
Skills & Expertise

What Airpay Built in Jignesh

Greenfield Vertical BuildingPAN India DistributionMerchant Network ManagementFintech Product LaunchAPI Integration OversightP&L ManagementLarge Team LeadershipBreak-Even Strategy10-Zone Architecture
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