Dec 2019 – Jul 2021 · 1 yr 7 mos · Mumbai, Maharashtra

• Created & Build- Jupiter.

Apr 2016 – Dec 2019 · 3 yrs 8 mos · Mumbai Area, India

• Managed $1bn of unsecured book and a topline revenue of $150mn

Nov 2014 – Apr 2016 · 1 yr 5 mos · Mumbai Area, India

• Created a Digital only bank ahead of time. It was Axis Bank’s biggest initiative during that tenure in Digital play. Didn't work out at envisaged. Exp helped in creating Jupiter after 5 years

Sep 2013 – Mar 2015 · 1 yr 6 mos · Mumbai Area, India

• Built payments as a core retail banking strategy with anchor as transit, toll & prepaid ,Business correspondents business. Build the framework of transit payments in the country
• Scaled credit cards business on a strong cross-sell framework
• build a high scale B2B payments business

Jun 2012 – Sep 2013 · 1 yr 3 mos · Mumbai Area, India

• Build RuPay, AEPS(Aadhaar Enabled Payment Service) business from scratch to 150 banks & 5 mn cards
• Build the rails of 150 Cooperative banks and RRB’s to start issuing payment products (RuPay)
• transition disbursement of Kisan Credit Card (agri loan )of all financial institutions in the country to RuPay Debit Card

Sep 2011 – May 2012 · 8 mos · Bengaluru Area, India

• Created market disruption by launching multi Bank emi through a single merchant billing interface. Scaled up the nascent concept of integration of pos systems with billing systems at retail.

Apr 2011 – Oct 2011 · 6 mos · Mumbai Area, India

• 🔹Manage Product, Portfolio management & Brand Communications for credit cards.
• 🔹Revenue responsibility for all credit card products & deliver targeted growth.
• 🔹Manage all key business drivers such as costs, revenues, credit, receivables, portfolio management and attrition.
• 🔹Increase Spends and ENR through various portfolio management programs like limit enhancement programs, Loan on phone, EMI programs, upgrade programs, Risk based pricing, spend enhancement programs etc.

Nov 2007 – Apr 2011 · 3 yrs 5 mos · Mumbai Area, India

• 🔹Instrumental as a core start up member in Kotak Cards to deliver on launch strategy with key aspects being Product , Technology , P&L & Business Structure .
• 🔹Post launch establishing key functional business metrics of performance and operating costs wrt Sales, Product & Portfolio, Service ,Collections & Operations.
• 🔹Setting up Internal Control and Processes of the business to ensure delivery of business goals .
• 🔹To maneuver key business projects, link it with technology enablers and deliver it to business.
• 🔹Establish and ensure sound debt management strategy during economic downturn wrt channel , people , process ,performance and cost. Set up and manage recovery vertical in collection to minimize business losses

Nov 2005 – Oct 2007 · 1 yr 11 mos · Mumbai Area, India

• 🔹Evaluate various business strategies for merchant acquiring wrt target market, segments, distribution and service delivery model.
• 🔹Work out business road map in terms of top line, bottom line and key variables on the annual operating plan.
• 🔹Identify new products for merchant payments , map market potential, carry out operation and technology integration.
• 🔹Create business dashboards , analyse of key business metrics, undertake portfolio analysis and shed light on critical components influencing merchant level profitability
• 🔹Manage Marketing promotions, Vendor/outsourcing strategy & implementation.

May 2005 – Nov 2005 · 6 mos

May 2003 – May 2005 · 2 yrs

Jan 2001 – Jan 2003 · 2 yrs · Pune, Maharashtra, India

• Launched Dr Fixit