Jan 2021 – Present · 5 yrs 2 mos · India

• Hyperface is Asia's first Credit cards as a service. We offer a unified operating system for banks to drive better ROI for their card programs. Our stack helps banks reimagine credit card offerings with automation and Hyper personalization. As co-founder of Hyperface I look after our core product offerings, partnerships, risk and compliance. Working with over 10 banks across India and SEA.
• A Leading fintech voice, I am part of the IFTA executive committee and regular speaker at multiple industry forums including GFF, IFTA etc

Sep 2020 – May 2021 · 8 mos · Mumbai, Maharashtra, India

• YNot Consulting was my immediate foray into startup/ fintech world. Idea was to bridge the gap between banks and Fintechs to build great products which offer the best of technology and customer experience. Worked on some interesting projects including structuring a savings account offering for a blue collared neobank, streamlining product documentation for a large payments organisation etc.,

Jan 2019 – Sep 2020 · 1 yr 8 mos · Mumbai, Maharashtra, India

• Headed Digital Products and Platforms for India Retail banking - Strategic role that ran horizontally to revamp digital capabilities for Retail bank in India. Role encompassed Net banking, Mobile banking, Digital Payments, Smart branches and Digitising servicing journeys. Key highlights included Launch of new mobile app, Launch of new mutual fund online journeys, BBPS, e-NACH, HSBC India's first digital smart branch and many more.

Sep 2018 – Jan 2019 · 4 mos

Dec 2015 – Sep 2018 · 2 yrs 9 mos

• In charge of all digital programs, culminating in Kotak 811 - India's first instant and completely virtual savings account. Headed the team for execution of product and program & was part of the core team that strategised the project. From launch to first 18 months - Product design to P&l , managed the 360 degree business KPIs for 811. Role included Product& program design, product roadmap, customer life cycle management, identifying key profitability indices and driving the same. Built a great team which believed in ideas and execution equally. Other wins include Kotak Now a video kyc application, Holiday RD based Savings account and many more.

Jun 2014 – Dec 2015 · 1 yr 6 mos

• Headed the Product management team for Direcpay – Times of Money’s payments aggregation product platform. Included our Direct to Merchant platform and whitelabel partner products for SBI and Network International.
• Built technology products from requirement to launch
• Mastered digital payments by collaborating with the best in global payments - Cybersource DCC, MIGS, UPOP etc.

Jun 2012 – May 2014 · 1 yr 11 mos

• Unearthed the power of alliances to create a new revenue vertical for the organization. Created online only and phygital business models for digital customers.

Aug 2010 – May 2012 · 1 yr 9 mos

• Learnt the power of digital as a standalone medium to deliver business numbers - topline and bottomline. Managed the biggest remittance corridor - USA to India- created 360 degree business impact from registration to retention of customers, all done digitally.

Mar 2009 – Aug 2010 · 1 yr 5 mos

• First ever Product manager in a P&L set up for acquiring biz in HDFC bank.
• In charge of acquisitions, New product Development, cross-sell, marketing and current account balance buildup for delivering on P&L.
• Launched various new products redefining acceptance in India like Hyper-local merchant discovery platform and DCC

Apr 2006 – Mar 2009 · 2 yrs 11 mos

• In charge of Anaytical marketing to get quality leads for Personal Loans through multiple internal and external campaigns . The Business volumes grew from 6-7crores a month to close to 100 crores a month in the period. Launched India's first instant branch decisioning for personal loans

May 2005 – Apr 2006 · 11 mos

• Part of the portfolio team in Credit Cards.In charge of the Myrewards Rewards program. Learnt from the best on program management and portfolio.

Jan 2005 – Apr 2005 · 3 mos

• Handled Ford India , worked on the launch of Josh 100 variant

Jun 2003 – Jan 2005 · 1 yr 7 mos

• Client servicing executive for P&G Brands. Worked on launch of Rejoice shampoo