Oct 2021 – Mar 2022 · 5 mos

• Leveraging Phonebook data to create social graph & bring network effect into play in order to drive acquisition through referrals and create lock in by ensuring more payments through people recommendation
• Drive higher engagement by creating a high frequency recurring hook and increase CLTV
• Automating P2P payment workflows to improve UX and security on app

Mar 2021 – Sep 2021 · 6 mos

• Building user flows & driving user experience for P2P Payments on India’s first super app - Paytm
• MAU ~35M
• 300M+ monthly transactions
• Key responsibilities include
• Extensive qualitative & quantitative user research focused towards understanding the user sentiments wrt digital payments in India
• Defining product roadmap and vision focusing on adoption of digital offerings especially payments within India and drive higher engagement and retention amongst the already engaged segment.
• Building user journeys and translating it into product design that confirms to usability heuristics
• Launching and scaling innovative product features to offer a secure, fast and unique user experience in payments
• Building effective nudge mechanisms to offer highly contextual offerings to the users based on combining user's properties and understanding their key interactions by leveraging their phonebook.
• Building features around contextual recommendation in order to promote - 'Tap behaviour vs Type'
• Defining GTM for any new product launch
• A/B experimentation to validate product changes and improve selected KPIs

Oct 2020 – Feb 2021 · 4 mos

• Part of consumer Product team and owned the P2P Money Transfer on Paytm Consumer App
• Worked on providing an omni channel experience to the customer for making payments using Paytm app through any mode viz wallet, UPI, IMPS, NEFT
• Created and optimised workflows leading to better funnel conversion (up by ~10%); ~300 million transactions per month,
• Built a chat interface in payment flow to increase user engagement and retention
• Paytm has over 100 Million UPI linked Bank Accounts and over 300 Million Wallets.

Nov 2019 – Sep 2020 · 10 mos

• Corporate Products At Paytm-:
• As part of this role, he owned and launched multiple product offerings within the corporate banking segment where he successfully managed the following offerings of Paytm Payments Bank -:
• 1. Nodal Account (Daily Payout GMV =~3.0 Billion)
• 2. Launched Net Banking Panel for Nodal Account
• 3. Launched API Banking Suite offering of Paytm Bank
• 4. Current Account
• Leveraged Paytm PG for payment collection in Nodal Account/Current Account and enabled clients to process pay outs
• UI/UX enhancements on the Paytm Net banking Panel to improve conversion on user funnel
• Led re-engineering of tech architecture for current & nodal account which resulted in achieving ~99% success rates for payouts
• Led various client discussions to understand their use case and explain the product feature.
• Transaction Platform at Paytm -:
• Launched RTGS as transaction platform for Paytm Bank
• Successfully led to migration of RTGS mode into 24X7 operations as per RBI guidelines
• Automated various reconciliation products leading to reduced TATs

Oct 2018 – Oct 2019 · 1 yr

• Launched NEFT at Paytm Payments Bank
• Product owner for IMPS, NEFT (~4 million daily transactions) with deep understanding of regulatory compliance and integration across three core services - Switch, Bank CBS & application
• Built Transaction Scheduling, Queuing mechanism, Transaction Approval, Single/Bulk payouts
• Built real time reversals, automated reconciliations, IFSC service, & tools for Operational tasks automation & CST query resolution.
• Successfully led migration of NEFT to 24x7 operations as per RBI guideline; Ensured Paytm Bank to be amongst the first bank in India to successfully migrate to new architecture
• Successfully closed various RBI/NPCI audit requirements as a result of constant effort to build products which confirm to the compliance guidelines as laid down by the regulating authority.

Dec 2017 – Oct 2018 · 10 mos · Gurugram, Haryana, India

• Over 3 years of experience with a leading European bank.
• Promoted on fast track basis
• 1. Defined strategic positioning, GTM strategy and developed digital services linked to customer profile which were described down to features and user stories level
• 2. Launched the Bank app with dedicated screens for User Profile, Money Transfer, Loans, Credit Cards, Services, Need Help, Digital Advisor and Web panel for retail and SMB customers
• 3. Launched the Back-Office Panel to support bank functions like user & account management, reconciliation & search engines
• 4. Built the Transaction Limit module for Debit Cards & Credit Cards
• 5. Supported bank in defining a data monetization strategy and the highest value opportunities to pursue which enabled them to enter into strategic partnership with the merchant through roll out of a co brand credit card
• 6. Evaluated market trends, value chain, competition, customer segments, channel strategies, and opportunities for market entry (GTM Strategy) to help launch the co brand Credit card in the market (~70k uptake in 1 year)
• 7. Supported product design & development by worked on performance and effectiveness of communication channels as part of reassessment of banks’ contact strategy leveraging advanced descriptive analytics to enhance customer experience. Improved response rates by 28% for email & 18% for IBA

Apr 2015 – Nov 2017 · 2 yrs 7 mos · Gurugram, Haryana, India

• APAC Business of Global Top Payments Network Provider
• 1. Built the framework for an alliance between a Thai issuer and Fuel Merchant in Thailand
• 2. Developed a methodology to map each account in the to a home city with 81% accuracy.
• 3. Advised an Australian credit card issuer on whether to drop its annual fee and helped them design a new multi phased revenue strategy.
• Miscellaneous Responsibilities
• 1. Conducted benchmarking analysis, market assessment leveraging Primary & Secondary research
• 2. Actively supported business development efforts with tasks like proposal creation.
• 3. Responsible for coordinating with business and internal stakeholders for gathering business requirements and then analyzing the requirements
• 4. Strongly supported to knowledge sharing efforts to improve processes in terms of effort and time
• 5. Led a team of 4 analysts
• 6. Conducted trainings on upscaling various technical and functional skills of new recruits.

Jul 2014 – Mar 2015 · 8 mos · Gurugram, Haryana, India

• Ideated on app design & created wireframes for the first version of Android app; ~20% growth in MAU for first 10 months
• Created funnels to track the leakage in the user journey and stitched it to top error codes from transactional data;
• Improved the search & discover algorithm; 10% increase in monthly orders

May 2013 – Jul 2013 · 2 mos · Greater Delhi Area

• 1. Market Research project on Public Perception of IGI Airport
• 2. Design & Implementation of a Passenger Loyalty Program at IGI Airport

Jan 2012 – Jul 2012 · 6 mos · Pune/Pimpri-Chinchwad Area

• Member of the Kaizen team to bring improvements
• Worked under the guidance of Japanese Consultant
• Made system to improve worker’s working condition
• Planning & implementation of 'POKAYOKE' for Potential Problem prone operations.
• Executing Six Sigma tools and techniques for bringing improvements.