Unit Head- Bharat Connect (BBPS) Customer Operating Unit (COU

• NB : We are recruiting for a scheduled commercial bank
• Position: Unit Head BBPS COU
• Department: Digital & Alternate Banking
• Reporting to: Division Head Payment Solutions
• Location: Kochi, Kerala

Role Objective: To lead the Bharat Connect Customer Operating Unit under the Bharat Bill Payment System (BBPS), driving product development, implementation, and operations across the Banks various digital and physical channels.

The role will focus on expanding Banks Bharat Connects reach by enabling BBPS transactions through Branch Banking, ATMs Micro ATMs and other Digital Platforms while also driving the identification and onboarding of Bharat Connect Agent Institutions (AIs) and Bharat Connect Agents (Merchants). Ker Responsibilities:

Lead the product strategy, design, and implementation of BBPS COU across the Banks ecosystem.

Drive COU enablement across Digital Channels, Branch Banking, ATM, and Micro ATM platforms. Identify, evaluate and onboard Bharat Connect Agent Institutions (AIs) in alignment with regulatory and business guidelines.

• Oversee onboarding and management of Bharat Connect Agents (Merchants), ensuring activation, monitoring and ongoing support.
• Collaborate with IT, Operations, Compliance, and Channel heads for smooth product rollout and integration.
• Ensure end-to-end compliance with NPCI, RBI, BBPS guidelines, including transaction security, reconciliation and dispute management.
• Develop and manage product roadmap, including new features, enhancements, and automation initiatives.
• Drive growth through channel optimization and merchant ecosystem expansion.
• Prepare and present performance dashboards, KPIs, and strategic report to Division Head and HOD.
• Lead, mentor, and support COU team to achieve operational and strategic goals.

Qualification & Experience:

• MBA or B-Tech IT or Graduate/Post Graduate with relevant experience.
• 8-12 years of experience Digital Banking Products, Experience in BBPS is as added advantage.
• Hands on understanding of BBPS COU operations, NPCI guidelines, and multi-channel implementation.
• Experience in agent/biller network management and digital ecosystem development.
• Strong analytical, leadership, and project management skills.