Oct 2021 – Jul 2025 · 3 yrs 9 mos · Bengaluru, Karnataka, India

Oct 2019 – Sep 2021 · 1 yr 11 mos

• Head of Lending , Insurance , Cards and Strategic Relationships

Nov 2018 – Aug 2019 · 9 mos · Mumbai Area, India

Jul 2018 – Oct 2018 · 3 mos

Jan 2014 – Jun 2017 · 3 yrs 5 mos · Mumbai Area, India

Apr 2011 – Dec 2013 · 2 yrs 8 mos

• Lead the conceptualization and development of new products for cardholder in the areas of mobile payments, information service, B2B payments, e-commerce, underwriting, and card enhancements.

Apr 2010 – Apr 2011 · 1 yr

• Developed and implemented a service for Alternative Payment companies to increase acceptance at top 500 online retailers. Led a working group comprised of business technology, operations and pricing to implement project plan.
• Created marketing strategies for new products. Managed development of advertising and sales support material.
• Responsible for developing strategic rationales for new opportunities, building financial models and researching business assumptions for valuations.
• Developed product pricing, technical requirements, operating regulations and program policies for new products. Negotiated contracts with processors and managed relationships with program partners.

Jul 2007 – Apr 2010 · 2 yrs 9 mos

• Developed the business case, strategic plan, and product terms for the launch of student loans.
• Generated $100MM in loans and lowered marketing unit cost 60% by developing a third-party affinity marketing channel. Developed branding requirements and partnership strategy. Conducted partner due diligence and managed program performance with ten affinity partners.
• Increased new accounts acquisition conversion rate from 33% to 80%. Developed customer-contact strategies, redesigned process flow, developed outbound dialer logic, and sourced vendors to add new processing capabilities.
• Increased profitability 20% by developing a new pricing structure, underwriting criteria, and a funding plan for the student loan portfolio. Analyzed and implemented the Department of Education liquidity plans for the student loan industry.
• Led a cross-functional team for operational due diligence and default risk analysis on a $200MM portfolio and systems acquisition.

Jun 2006 – Jun 2007 · 1 yr

• Developed models to predict credit card default rates.
• Created models for marketing eligibility scorecards and credit line management strategies for customers with multiple cards.
• Designed customer segments and analyzed spend behavior, activation strategy, and segment risk metrics.

Jun 2005 – Sep 2005 · 3 mos

• Developed the global organizations structure and performance management concepts for shared services operations.
• Created the pilot country implementation plan and global rollout plan.

Mar 2002 – Oct 2003 · 1 yr 7 mos · Gurgaon, India

• Led organizational strategy consulting studies for Financial Services clients in Asia Pacific
• Responsible for delivery of studies in Japan, Singapore and Thailand.
• Managed the offshoring of internal data collection and review processes.