Product Case Study · Fintech Organization

Commission Payout Automation

Commission payouts to retailers and distributors were calculated and processed by hand. I led the work to automate them, run as four parallel threads, each taken from pain point to an executed roadmap.

₹117L+
monthly payouts automated, plus ₹8.5L+ more: 67%
faster onboarding for a new use case: ₹5-6L
monthly payouts unlocked by auto-reconciliation: 9
products moved off manual processing

Four threads

Sequenced by dependency: automate the highest-payout products first, because GST and visibility work is only worth building once the payout numbers under it can be trusted.

Automation

Pain point

Commissions were processed by hand across products. Payouts waited on other teams, every manual calculation was a chance for an error, and setting up a new use case took about 30 days.

Roadmap executed

Automated payouts for six products first, taking ₹117L+ a month off manual processing. The new KAALIX setup flow cut onboarding for a new use case from 30+ days to 10.

Junior SurakshaAEPS Mini StatementCurrent A/cDBTIDCUPI CWW

Setup time for a new use case

Before30+ days

With the KAALIX setup flow10 days

Then extended automation to three more products, adding ₹8.5L+ a month to the automated commission stream.

Soundbox₹8L/mo
BBPS₹50K/mo
Debit Card for MinorNew product

Reconciliation

Pain point

Transactions stuck in FULFILMENT_PENDING had to be reconciled by hand, and the payouts behind them sat waiting until someone did.

Roadmap executed

Automated the FULFILMENT_PENDING reconciliation, unlocking ₹5-6L in payouts every month.

GST & Invoicing

Pain point

GST invoices were uploaded manually, and there was little visibility into where a commission stood once it was in the pipeline.

Roadmap executed

Shipped API-based invoice upload on the Turbo Portal, plus invoice status and reference-number visibility on Tez.

14K+

users covered

₹114.5Cr+

in payout records

Visibility

Pain point

Retailers and distributors (RET/DIST) had limited visibility into their commissions and found out what they'd earned only after payout.

Roadmap executed

Commission now shows in real time, at the moment of transaction, with Prime earnings surfaced, so users see projected, normal and extra commission before payout instead of after.

From a PM's Desk

Who it's for: Retailers and distributors receiving commission payouts, plus the internal ops team that was hand-processing calculations and payouts before automation.
Approach: Track the work as four parallel threads (Automation, Reconciliation, GST & Invoicing, Visibility), sequenced by dependency — automate the highest-payout products first, since the GST and visibility work downstream was only worth building once the payout numbers under it were trustworthy.
Metric I'd chase: North star: share of monthly commission payouts processed without manual intervention. Guardrail: onboarding TAT for a new product (30+→10 days) — automation that takes a month to extend to the next product isn't actually solving the manual-effort problem.
Status: Delivered. All four threads shipped: automation across nine products, FULFILMENT_PENDING reconciliation, API-based GST invoicing, and real-time commission visibility.