Feb 2020 – Sep 2021 · 1 yr 7 mos · Mumbai, Maharashtra, India

Jun 2012 – Feb 2020 · 7 yrs 8 mos · Mumbai Area, India

• Key Projects:
• Product and Technology Migration from eING to Kotak
• Founding member to Strategy & Execution for 811
• NETC (FASTag Issuance) Product and Distribution set-up and execution
• Launched Innovative payment methods - Bharat QR, Samsung Pay, Contactless, Visa
• Checkout, Tokenisation with Google and JIO Pay
• Set up Merchant Acquiring Business (QR, Contactless & EMV) - P&L, Business Processes, Risk Policies
• and Technology Readiness with all 3 networks, VISA MasterCard and Rupay
• Co-branded Prepaid Card solution for Corporate Reimbursements Program
• Core Role:
• Product Strategy, Segmentation and Payment Innovations
• Manage new/existing Products, Portfolio and brand communications for Debit and Prepaid cards
• Drive spends through Activation, Usage, Retention (AUR) and customer lifecycle management
• P&L responsibility for all consumer, business card products to deliver targeted growth and attain revenue targets
• Manage all key business drivers such as cost, revenue, portfolio management and attrition
• Evaluate and implement various business strategies, across consumer bank, for cards

Nov 2011 – May 2012 · 6 mos · Bangalore, Karnataka, India

• Innoviti delivers merchant payment services to organized retail in India. It works closely with retailers and banks to improve operational efficiency with reduced cost and thereby enhancing customer experience
• My role was an entrepreneurship based assignment aimed at creating an enterprise in payments space across all channels which adds value to retailers and banks. For instance multi bank transaction routing, multi bank EMI, elimination of multiple hardware at POS, centralized settlement, monitoring and reconciliation services

Sep 2008 – Oct 2011 · 3 yrs 1 mo · Mumbai, Maharashtra, India

• Key member to the core team of Kotak Credit Cards - The key task was to architect the model for credit cards business and deliver launch project. Since we were the 22nd player into the cards industry, there was a need to introduce a highly differentiated customer proposition.
• To maneuver key business projects, link it with technology enablers and deliver it to business
• Set up internal control and processes of the business to ensure delivery of business goals
• Create business dashboards, analyze key business matrices, undertake product/portfolio analysis and shed light on critical components influencing profitability
• Set-up involving:
• Product strategy and segmentation
• Authorization, dispute management, clearing and settlement for Visa, MasterCard and B2B
• Accounting of income and expense lines of the business
• Implementation of Verified by Visa and MasterCard Secure
• Rewards accrual and redemption program
• Product innovation award for new business initiative with WalMart
• Three Star Performer Awards for Focus on Results and Business Performance

Aug 2007 – Sep 2008 · 1 yr 1 mo · Bangalore, Karnataka, India

• Designing, customization and enhancement of debit card products
• Responsible to grow the key performance indicators of debit cards
• Effectively launched:
• Debit card for Premium and Youth segment
• Implemented Card P&L Management
• Verified by Visa service on Debit and Credit Cards
• ATM acquiring with NFS (IDRBT)
• Merchant payments through core banking/NEFT
• Debit Cards Management System