Apr 2022 – Dec 2022 · 8 mos · Mumbai, Maharashtra, India

• Managing Strategic business initiatives and BBPS for India Business

Apr 2019 – Apr 2022 · 3 yrs

• I joined Axis Bank as Vice President and Head – Consumer Card Products (Credit and Debit) and got promoted to Senior Vice President and Head – Merchant Acquiring and Commercial Cards.
• Deployed in a senior role, my major contributions revolve around increasing bank’s credit card spends and scaling the business with product suite and separate sales channels. During my tenure, I have a track record of improving bank’s market share, P&L management along with overseeing customer acquisition engine through a high-impact sales force.
• Throughout my association with Axis Bank, my responsibilities included heading the merchant acquiring and commercial cards as well as Consumer Card products. While developing product at both PoS and PG level along with establishing thin clients at PoS and a wrapper at PG level, I have set up an internal infrastructure of sales and service of large size to ensure flawless execution of business processes.
• I headed a major accountability of Profit Before Tax, and provided internal and external management for both credit and debit business verticals. During my role as a Vice President and Head, I shouldered the onus of managing product development cycle, handling payment processes including NFC, Host Card Emulation, and digital payment processes while inculcating a fintech business culture.

Jul 2018 – Apr 2022 · 3 yrs 9 mos

Mar 2015 – Apr 2022 · 7 yrs 1 mo

Dec 2011 – Mar 2015 · 3 yrs 3 mos · Mumbai Area, India

• At Standard Chartered Bank, I headed the Credit Cards, Products, and Originations; played a vital role in strategizing and offering thought leadership in to deliver sustainable growth across banking clients. Increased sales and revenue including grow spend like EMI and originations like Cobrands and handled P&L Management maintaining key ratios including cost, income, revenue, and ending net receivable with a focus not on all key links including settlement costs, Auth rates, call center, operations, etc.
• Led consumer finance and credit/debit cards products, portfolio, and sales management with a focus on consumer risk, allied risk management process, fraud control and collections. Further, I established the balance of channel usage to drive new business sales.
• My role highlights included establishing the franchise emphasizing major profit & loss impacting strategies to lay a foundation for future like Online AIP, EMV, Bureau scrubs, CIBIL watch, internal cross-sell, etc.

Apr 2010 – Dec 2011 · 1 yr 8 mos

• Joined Barclays bank as Head of Sales, Partnerships, and Alliances and rose to the position of Head of Bancassurance. During my tenure, my role included overseeing Insurance P&L while managing customer, business, revenue, and profit mandates. I steered insurance products activities across all channels whilst strategizing for growth and achievement of key accounts and revenue objectives.
• As Head – Bancassurance, I managed insurance business in close collaboration with the key stakeholders to plan, manage, and direct business focus on the distribution of insurance products.
• As Head – Sales, Partnerships, and Alliances, I was primarily responsible for developing products (cards) in alignment with a strategic alliance, launching Co-brand and Premium Cards following business standards. Besides, I focused on coinciding the sales governance standards by potentially handling customer acquisition following Branch Sales, Direct Selling and Tele Sales Channel.
• Further, my role highlights included launching Cobrands ‘Times and Yatra’ with an emphasis to capture mass market portfolio following open market channels. Supervised high-end of the mass markets and cross-sell penetration of the portfolio through Premium Card Launch.

Mar 2007 – Mar 2010 · 3 yrs

Jan 2004 – Jan 2007 · 3 yrs

• As Assistant Vice President, I was responsible for implementing campaigns and offers generating higher ANR and benefit customers. Further to this, achieved best outcomes in creating alternate source of revenue through portfolio level initiatives in case of Ann fee and
• discount income depletion. During my tenure, I launched “Travel Account Product” and developed new products

Jan 2000 – Jan 2004 · 4 yrs