Apr 2024 – Oct 2025 · 1 yr 6 mos · Mumbai, Maharashtra, India · On-site

Nov 2021 – Apr 2024 · 2 yrs 5 mos · Mumbai, Maharashtra, India · On-site

Feb 2021 – Oct 2021 · 8 mos · Mumbai, Maharashtra, India

• Led end-to-end digital transformation of credit card acquisition journeys for new-to-bank customers, integrating Aadhaar authentication and Video KYC to reduce issuance time to under 10 minutes. Drove product innovation resulting in 20,000+ monthly card issuances. Optimized conversion funnels through strategic drop-off retargeting, improving overall conversions by 25%.
• Conceptualized and launched an innovative credit card comparison tool featuring 200+ cards across banks, demonstrating expertise in competitive analysis and product differentiation. Developed comprehensive referral programs and add-on card journeys to enhance customer engagement metrics.

Apr 2020 – Feb 2021 · 10 mos

• Led the strategic overhaul of the bank’s digital platform through the successful launch of Net Banking 2.0, featuring multilingual one-page banking architecture. Improved user experience metrics by optimizing authentication workflows and implementing innovative features like saved usernames, reducing login time by 50% while maintaining security protocols.
• Established “Kotak Net Banking Insider” Beta Program to incorporate user feedback into the product development cycle, demonstrating expertise in user-centered design methodologies.

Mar 2018 – Mar 2020 · 2 yrs

Aug 2016 – Mar 2018 · 1 yr 7 mos · Mumbai Area, India

• Pioneered innovative digital product solutions including instant credit card generation for pre-approved customers, achieving a daily run rate of 500 cards with zero acquisition cost. Collaborated with cross-functional stakeholders to support strategic co-branded credit card partnerships with Amazon Pay and MakeMyTrip, expanding the product portfolio.
• Redesigned digital acquisition journeys for personal loans and savings accounts, implementing conversion rate optimization techniques that doubled completion rates. Demonstrated expertise in balancing user experience enhancements with business growth objectives.

May 2014 – Aug 2016 · 2 yrs 3 mos · Kolkata Area, India

• Developed comprehensive business strategies and requirements for clients across retail, consumer goods, and travel & hospitality sectors. Created user-focused wireframes and functional specifications for sales dashboards and digital platforms. Supported successful pre-sales initiatives resulting in strategic client acquisitions including RCI-Wyndham and AJIO-Reliance.
• Demonstrated expertise in translating business requirements into technical specifications, stakeholder management, and digital experience design. Specialized in product requirement documentation, user flow optimization, and business process improvement.

May 2013 – Jun 2013 · 1 mo · Kolkata Area, India

• Executed comprehensive market analysis across 15 personal care categories, capturing critical SKU attributes to establish differentiation benchmarks for premium products. Designed and conducted in-depth interviews with 240 respondents, extracting valuable insights on consumer purchasing behavior and brand perception that informed product development strategies in the premium segment.
• Demonstrated exceptional initiative by proactively addressing sales and distribution challenges beyond the original project scope. Developed data-backed recommendations to resolve channel conflicts stemming from inconsistent trade promotions, while creating innovative merchandising strategies that maximized brand visibility in general trade outlets with limited retail space. This experience built strong foundations in consumer research, market analysis, and strategic problem-solving applicable to product management.

Mar 2013 – Apr 2013 · 1 mo · Bengaluru Area, India

• Developed data-driven distribution optimization framework that established clear segmentation criteria for direct service outlets, resulting in improved resource allocation and operational efficiency. The strategic guidelines enabled systematic evaluation of outlet profitability, service requirements, and growth potential across ITC’s distribution network.
• Successfully implemented this framework through a comprehensive pilot program within a complete distribution territory, validating the model’s effectiveness and generating measurable improvements in distribution costs and service levels. This project demonstrated strong analytical skills in optimizing business operations while maintaining service quality and strategic market coverage.