Sankalpa Sarkar

Product Manager

Bengaluru, Karnataka, India11 yrs 11 mos experience
Most Likely To SwitchAI Enabled

Key Highlights

  • 3-time winner of Innovation & Digital Transformation Award
  • Led product vision for major FinTech applications
  • Mentored over 10,000 professionals in product management
Stackforce AI infers this person is a FinTech product leader with extensive experience in AI-driven solutions and digital transformation.

Contact

Skills

Core Skills

Product ManagementBusiness Strategy

Other Skills

Agile MethodologiesArtificial Intelligence (AI)Business Case PreparationBusiness DevelopmentBusiness Growth StrategiesBusiness InsightsBusiness-to-Business (B2B)Collaborative WorkCommunicationCompetitive DifferentiationCreative IdeationCritical ThinkingCross-functional Team LeadershipCustomer AnalysisCustomer Experience Design

About

I am an Awarded Product & Strategy leader with 12+ years of experience in FinTech (Payments, Lending), Banking, e-Commerce and Gen AI with 9+ years of experience in managing teams. Led Product Vision & Business Growth for Apps, APIs & Gen AI at startups & MNCs driving. Innovated & Scaled B2B & B2C products across Web, Mobile App& Gen-AI. I am a 3 times winner of Innovation & Digital Transformation Award at Singapore Fin-tech Festival for innovative contributions in the field of Artificial Intelligence, Payments and Lending. I was awarded Best Product Award twice for AI Chatbot and Open APIs in Banking. I have always set high bar for myself and my team and have achieved them successfully. I have built Product teams from scratch and led 10+ cross functional teams comprising of 50+ people to drive business growth, cost leadership and seamless user experience. At Walmart, I innovated in eCommerce intelligence and transformed payments leading to a 1.4 Bn Revenue boost, 40% increase in NPS and significant cost savings Previously, I have scaled Digital Payments and Digital Lending for Users and Merchants in Banking and Fintech Industry through innovation in SEO, Lead Qualification, Onboarding & Reconciliation Automation, Risk Management and Self Services. I have led negotiations and partnerships with Regulators (RBI, NPCI), Network Partners (VISA, Master, Diners, Rupay), Loyalty Partners and Key Merchants (Google, Amazon, Cred, PhonePe, Spotify, Netflix. 📍I've built over 150+ Products - Mobile apps, SaaS Apps and Generative AI - Fintech apps including Googlepay, Amazon Pay, PhonePe, BharatPe, Cred, Jupiter, Zomato, Groww etc - Wrote a white paper on AutoPay on Cards and UPI and partnered with Google, Netflix, Spotify 📍 Wrote a book on Product Management - "JUGAAD TO JHAKKAAS: Innovate, Adapt & Manage Products - The Desi Way". 📍 Mentor for IIMs, IITs, Institute of Product Leadership, GrowthSchool, HelloPM, - I have mentored over 10K+ professionals 📍Helped 50+ start-ups in their growth - B2B SaaS Products for Payment, Insurance, Marketing & and HR such as Razorpay, PayU, Digit etc. Drop me a DM if you want to invite me for any guest mentorship sessions. Checkout my portfolio at: www.sankaplasarkar.com Verticals: Fintech | Lending | Banking | E-Commerce | Merchant Payments and B2B Insurance Functions: Business Strategy | Product Strategy | Innovation | Growth | Go-to Market | Product Management

Experience

11 yrs 11 mos
Total Experience
2 yrs 4 mos
Average Tenure
4 yrs 6 mos
Current Experience

Walmart global tech india

Product Lead

Dec 2021 – Present · 4 yrs 6 mos · Bengaluru, Karnataka, India · Hybrid

  • Leading the Gen AI transformation in retail and ecommerce to create Smart and Automated Replenishment and Payment systems
Business StrategyProduct ManagementProcess DesignStorytellingSoftware as a Service (SaaS)FinTech+48

Mobikwik

Vice President of Products

Jan 2021 – Dec 2021 · 11 mos · Gurugram, Haryana, India · Hybrid

  • Led Payments and Lending. Scaled GMV by 10x and Lending approval rate by 3x
  • Product Development and Innovation
  • Owned product and growth across B2B Payments, B2B Lending, and BNPL verticals; scaled revenue to ₹1500 Cr in 9 months.
  • Launched India’s lightest mobile payment SDK (< 110 KB in 2021) and scaled Mobile SDK business from 0-200 Cr in 6 months
  • Transformed Zaakpay into full-stack, customizable universal payment acceptance platform and scaled the revenue by 10x
  • Launched Tokenization Solution for Card & ensured a smooth transformation of 1500 Cr monthly GMV across 5 lac merchants
  • Innovated onboarding and adoption gamification to overhaul conversion from 23% to 47% with improve NPS from 42% to 79%
  • Incepted a new spend pattern-based algorithm to target 1 Cr users for lending & wealth
  • Strategic Initiatives & Business Impact
  • Facilitated Investor and board members alignment on achieving $ 1 billion (unicorn) & planning for Initial Public Offering (IPO)
  • Led Strategic evaluation and integration planning across 3 major banking partners to create a Neo-banking B2B Solution for businesses
  • Drove adoption across diverse sectors – insure-tech, wealth-tech, gaming, travel, food-tech, health-tech powering their payments
  • Accelerated Revenue growth- B2B Payments at 200%, B2B Lending at 175% and BNPL at 120% growth
  • Reduced CAC by 20% BNPL & Lending and Enhanced Partner’s transaction success rates by 30%
  • Curated list of product qualified business partners to and grew the revenue by 13x in 1 year
  • People Management
  • Formed 7-Member team from scratch of Product Managers, Growth Managers and Business Analysts
New Product IdeasBusiness StrategyProduct ManagementProcess DesignStorytellingSoftware as a Service (SaaS)+50

Axis bank

2 roles

AVP Product: Payments & Lending

Apr 2019 – Jan 2021 · 1 yr 9 mos · On-site

  • Head of Product for Payments & DIgital Banking
  • Product Strategy, Management & New Product Launches
  • Led Product Team to plan Product Roadmap & Strategy for Digital Payments Products such as Payment Gateway, UPI Payment, Payment Apps
  • Launched innovative API-based Services to reduce onboarding & servicing TAT, enhance CX and increase revenue/profits
  • Launched Innovative Digital Payments Solutions diversify the revenue lines, reduce risk & enhance CX. Responsible for P&L
  • Enhanced Payment Gateways to enhance the customer journey and grow Revenue (5%) & achieve better success rates (10%)
  • Led Product Roadmap plan & Designed conversational UIs for AI-powered Conversational Banking Platform in Digital Banking
  • Successfully launched New Age Digital Banking Channels (Axis Aha! & Alexa) and promoted the same to enable faster adoption
  • Successfully gained over 1 million users on Chatbot reducing costs across front-end channels like call-centre, email, live chat support
  • Go-To-Market Strategy, Product Marketing
  • Increased acquiring throughput & consumer UPI spends by 30% M-o-M via targeted campaigns
  • Enhanced marketing impact by 27% basis targeted customer profiling & composite score generation
  • Led a 20 fold increase in active user base for Axis Bank’s AI & ML-powered chatbot, Axis Aha!, significantly reducing costs
  • Led Partnership worth INR 10 crore; built capabilities enabling 3rd party credit line via UPI
  • Team & Stakeholder Management
  • Structured & Managed a team to strategize & launch the best-in-class merchant solutions & merchant services
  • Coordinated with regulators/stakeholders to review & adapt the roadmap, brainstorm ideas & launch products incrementally
New Product IdeasBusiness StrategyProduct ManagementProcess DesignStorytellingSoftware as a Service (SaaS)+49

AVP Products: Digital Payments & AI

Jun 2017 – Mar 2019 · 1 yr 9 mos · On-site

  • Designed customer journey for conversation and voice banking.
  • Launched Axis Aha! chatbot on Axis Bank Website.
  • Planned and implemented innovative solution in digital banking channels to increase revenue
  • Designed and incorporated the scope of Artificial Intelligence in conversational banking
New Product IdeasBusiness StrategyProduct ManagementProcess DesignStorytellingSoftware as a Service (SaaS)+44

Hdfc bank

Senior Product Manager

Dec 2015 – May 2017 · 1 yr 5 mos · Mumbai Area, India · On-site

  • Pioneered Payment SaaS (Smart-Hub) & auto onboarding to increase revenue by INR 1500 Cr per year with a growth of 10%
  • Trained 10000 Branch Staffs across 2500 branches to sell Digital Payment solutions & grew sales growth by 4x in west & south India
New Product IdeasBusiness StrategyProduct ManagementProcess DesignStorytellingSoftware as a Service (SaaS)+40

Icici lombard general insurance company limited

Product Manager

Apr 2014 – Nov 2015 · 1 yr 7 mos · Mumbai, Maharashtra, India

  • • Designed a Policy issuance system reducing TAT by 80% and achieved yearly revenue of INR 200 Cr growing at 15%
Product ManagementProcess DesignStorytellingDifferentiationCompetitive DifferentiationUser Management+22

Volvo group

Product Marketing Intern

Apr 2013 – Jun 2013 · 2 mos · Gurgaon, Haryana · On-site

  • Strategized marketing mix light & medium duty trucks for product & market development in North and West region
  • Designed Go-to-Market Strategy by conducting primary market research of 100 customers in LMD segment in 10 cities of 3 states
New Product IdeasProduct ManagementStorytellingSoftware as a Service (SaaS)CommunicationCompetitive Differentiation+14

Bombay hospital indore

Growth Consultant

Jul 2012 – Mar 2013 · 8 mos · Indore Area, India · On-site

  • Identified customer segments for business growth. Strategized expansion & communication channel optimization to increase penetration
  • Recommended communication strategy to people using traditional and digital media by analysing growth factors for the health sector
Product ManagementStorytellingCommunicationUser ManagementTrainingUser Research+4

Vodafone idea limited

Product Marketing Intern

May 2011 – Jun 2011 · 1 mo · Kolkata Area, India · On-site

  • Mapped market demand (3G and 4G) by market study on 150 subscribers in Kolkata
  • Proposed solutions to provide better customer satisfaction
Product ManagementStorytellingCommunicationPresentationsBusiness Case PreparationCustomer Experience Design+1

Education

Indian Institute of Management, Indore

Master of Business Administration (M.B.A.)

Jan 2012 – Jan 2014

Indian Institute of Technology (Indian School of Mines), Dhanbad

B.Tech — Electronics Engineering

Jan 2008 – Jan 2012

D.A.V Model School, Durgapur

AISSCE — CBSE XII

Jan 2008 – Present

A.G Church School Ukhra

CISCE — ICSE X Board

Jan 2006 – Present

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