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Biography — Jignesh Jutthani | The Fin-Tech Connoisseur
Official Biography  ·  The Fin-Tech Connoisseur
Micro Biography of

JigneshJutthani

IIM Kozhikode || CEO, MOS Utility Limited, Mumbai
🎓 IIM Kozhikode 📍 Mumbai 31+ Years Experience Born: 26 Nov 1976 Fintech · Banking · Retail · Telecom
Jignesh Jutthani — CEO, MOS Utility Limited
Jignesh S. Jutthani
CEO · MOS Utility Limited · Mumbai
🎓 IIM Kozhikode Alumni
31+
Years of Experience
10L+
Merchants Enabled
500
Financial Service Points
4+
Industries Spanned
100%
PAN India Presence
Preface

“Teamwork makes the dream work.” This is the inspirational story of an ethical and dedicated professional who has traversed significantly and judiciously in industries like Banking, Retail, Telecom, and Consumer Goods — across various geographies and markets.

Jignesh Jutthani is an accomplished and acclaimed professional who has spent over two decades imbibing and implementing his expertise in Sales, Marketing, Business Development, Channel Development, and overall Management.

A firm believer in freedom of expression, this versatile marketing and sales connoisseur has achieved commendable performances from his teams while cruising across organizations — from national stockists to regional distributors, wholesalers, and last-mile retailers.

He is the visionary leader of “Digital Bano Tarraki Karo” — a one-of-a-kind initiative providing a gamut of digital financial services while driving financial inclusion across India.

Right from the initiation of his career, he followed his core philosophy: delivering customers an ethereal experience and going out of the way to understand and fulfill their expectations.

Personal Profile
Mr. Jignesh S. (JJ) Jutthani
The Fin-Tech Connoisseur
Date of Birth26 November 1976
LocationNavi Mumbai, Maharashtra
EducationIIM Kozhikode · Welingkar
Current RoleCEO, MOS Utility Ltd
Experience31+ Years Professional
Mobile+91 7506351060
Emailjsjuthani@gmail.com
Core Competencies
Sales & MarketingBusiness DevelopmentChannel ManagementFintech InfrastructureAEPS / DMT / BBPSTeam LeadershipDistribution NetworksP&L ManagementFinancial InclusionBanking CorrespondentGo-To-Market StrategyPublic Relations
Career Journey

A Legacy of Leadership

Two decades of building, scaling, and transforming financial infrastructure across India’s most critical institutions.

Present
Aarambh Micro Credit Forum
Leadership & Strategic Advisory
Associated with Aarambh Micro Credit Forum — a mission-driven microfinance institution committed to financial empowerment of underserved communities across Uttar Pradesh. Driving strategic direction, outreach, and sustainable credit delivery for rural and semi-urban borrowers, enabling grassroots economic participation and livelihood development.
MicrofinanceFinancial InclusionUttar Pradesh
2023 — 2024
MOS Utility Limited
Chief Executive Officer (CEO)
Led MOS Utility as CEO — India’s fastest-growing B2B e-commerce digital fintech. Driving the “Digital Bano Tarraki Karo” vision across a nationwide agent and distributor network offering banking, e-commerce, travel, and utility services.
CEONeo BankingDigital Inclusion
2020 — 2023
Airpay Payment Services
HOD — Vyaapaar Division
Built the VYAAPAAR vertical from scratch. Divided PAN India into 10 zones, created zonal sales teams, launched the portal with full API integrations in 90 days, and grew to 5,000+ distributors and 5,00,000+ merchants within 18 months of reaching break-even.
PAN India5L+ MerchantsBreak-even 18 months
2013 — 2020
Fino Payments Bank
Zonal Head — Business Development & Relationship Management
Managed 230 branches and 7,600 retail outlets. Grew merchant portfolio from 400 to 4,600+ with 90% active health. Established 500 Fino — earning Best Newcomer Award and consecutive Best Team Awards (FY 2014–15 & 2015–16).
🥇 Best Newcomer🏅 Best Team 2 Years4600+ Merchants
2005 — 2013
Telecom, Retail & Consumer Goods
Senior Sales & Channel Development Leader
Built extensive experience across Telecom, Retail, and Consumer Durables — managing national stockists, regional distributors, wholesalers, and last-mile retailers. Developed deep channel management expertise and a results-oriented team-building philosophy.
TelecomRetailConsumer Durables
1995 — 2005
Early Career Foundation
Sales, Marketing & Distribution Management
Commenced professional journey post-education from Welingkar Institute of Management (Diploma in Marketing Management). Built the fundamentals of sales management, channel distribution, and customer-centric delivery that became lifelong professional pillars.
WelingkarMarketing Management
Laudable Accomplishments

The Proof of Work

Specific, measurable, transformational. These are not roles — they are results.

🚀
A) Airpay Payment Services
HOD Vyaapaar — Business Development & Relationship Management
PAN India — 10 Zones — Full Vertical Build
Responsible for establishing a new vertical — VYAAPAAR — from zero. Strategically developed zone-wise sales teams across PAN India, dividing the nation into 10 regions with Zonal Heads, Cluster Heads, ASMs, TSMs and Executives for structured revenue generation.
Portal launched with all API integrations within 90 days of inception
Break-even achieved within 18 months of launch
24+ products: DMT, Recharge, BBPS, AEPS, Insurance and more
1,00,000+ distributor channels and 10,00,000+ VYAPAARI merchants enabled
Efficient health index and profitability matrix across all zones
🏦
B) Fino Payments Bank
Zonal Head — Business Development & Relationship Management
7,600 Retail Outlets · 230 Branches · Regional Lead
Spearheaded entire business development operations for Fino Payments Bank. Managed channel stakeholders with effective relationship building, defined go-to-market strategy, and led a team of 8 Area Sales Managers + 1 Regional Sales Manager.
Managed 230 Fino Payments Bank Branches with efficient branch health index
Merchant portfolio grown from 400 to 4,600+ with 90% active merchants
Established 251 Fino Money Marts in just 6 months
Won Best Newcomer Award within 6 months of joining
Won Best Team Award — FY 2014–15 & FY 2015–16 (consecutive years)
Leadership Philosophy
“Profitability and growth — that has been my homogeneous forte. As a consistent performer with a proven track record, I believe great leadership is built on trust, innovation, collaboration and creating opportunities that empower people and businesses.”

Jignesh Jutthani’s leadership is defined by a singular philosophy: the customer deserves an ethereal experience, and every system — from distribution to technology to human engagement — must be engineered to deliver exactly that.

His capabilities in public relations, technology entrepreneurship, digital media, and organizational representation have earned him noteworthy accolades wherever he has served.

As a profit center head, he has always delivered bottom lines well beyond what was mandated — not through shortcuts, but through the discipline of building the right system once and letting it compound over time.

🎯 Vision
The MOS Seva Kendra Vision
To cultivate a deeply customer-oriented and digitally inclusive India by scaling the MOS Seva Kendra network. We aim to seamlessly link unserved and rural markets with modern utility, banking, and e-commerce services, making MOS the ultimate destination for everyday financial needs.
🚀 Mission
Heuristics — One Stop Solution
To amplify brand visibility, expand value-added service ecosystems, build robust industry partnerships, and continuously elevate the financial health of last-mile channel partners.
🌏 Impact Goal
Digital Bano Tarraki Karo
Supporting the government’s “Vocal for Local” initiative. Creating a seamless nationwide network facilitating e-commerce, banking, travel, and utility services within easy reach of every citizen.
MOS
MOS UTILITY LIMITED
A NexGen Neo Banking Fintech Company
“Digital Bano Tarraki Karo”
The guiding ideology of MOS Utility Limited
Current Venture

MOS Utility — The Prodigious Platform

MOS Utility Limited is India’s fastest-growing B2B e-commerce digital fintech company — a sustainably growing NexGen Neo Banking platform offering a Unified Open API and Wallet platform.

As a pioneer of “Digital Bano Tarraki Karo,” MOS has evolved as a major fintech player, providing a wide range of financial and utility services in the B2B2C space — bringing the benefits of digitization to every segment of Indian society.

The company’s ideology of a digitally and financially inclusive India has been implemented through revolutionary financial solutions and user-friendly digital utility platforms designed for Bharat.

🎟️Ticket Booking
👆AEPS Services
🛒E-Commerce
💳Digital Payments
🏦Banking Services
Utility Services
💰DMT / Remittance
📋Gov. Schemes
Get in Touch

Mr. Jutthani Is Accessible At

For partnerships, investment discussions, speaking engagements, media inquiries, or any collaboration in the fintech and financial inclusion space — reach out directly.