Mar 2021 – Jun 2021 · 3 mos

Feb 2019 – Feb 2021 · 2 yrs

• Responsible for formulating economic strategy for Interchange & Network Pricing. Accountable for identifying revenue opportunities, optimizing income, building acceptance & strengthening client engagement with actionable business insights.
• Strategic initiatives :
• Build Interchange Roadmap blueprints to drive card acceptance
• Drive long tail expansion of customers through pricing initiatives
• Client engagement :
• Consultant to issuers for improving interchange income; create tactical plans to increase yield & returns
• SPOC for pricing inquiries & invoice analysis; facilitate quarterly scorecard to track billing; embed best practices to reduce customer’s overheads
• Subject Matter Expert :
• Localise pricing frameworks of global products & solutions

Mar 2017 – Jan 2019 · 1 yr 10 mos

• Revenue Assurance :
• Redesigned pricing structures for long-term sustainability in rapidly evolving payment ecosystem
• Financial Modeling:
• Assisted BD team with portfolio insights, scenario analysis, revenue predictability
• FinTech Partnerships:
• Supported India chapter of StartPath (Accelerator by Mastercard). Scouted applicants, drove strategic engagement with selected candidates & curated POCs with alums of the program.

Dec 2015 – Feb 2017 · 1 yr 2 mos · Mumbai Area, India

• Thought Factory is Axis Bank's Innovation Lab with an in-house incubator & Accelerator program.
• I was one the co-founding members responsible for conceptualization & setup. Engaged with FinTech start-up community to identify candidates for Accelerator; mentored selected start-ups & co-designed prototypes.

Jan 2015 – Feb 2017 · 2 yrs 1 mo · Mumbai Area, India

• Responsible for enhancement & upgrade of the Bank's Corporate Internet Banking channel with an objective of digitizing traditional branch-intensive services, improving user’s banking experience on the channel & capitalizing on new revenue opportunities.
• Successful in -
• digitizing asset management services for micro & small enterprises
• designing self-help features for key payment products like cards, loans
• conceptualizing online portal for payment aggregators & merchants to track payments received via net-banking, initiate refunds & reconcile transactions

Mar 2013 – Dec 2014 · 1 yr 9 mos · Mumbai Area, India

• Product Manager for Commercial Card suite - Corporate T&E and Purchasing. Responsible for NPD, ensuring portfolio profitability & streamlining end-to-end operational activities.
• Launched India’s 1st corporate Virtual Card system (with purchase control). Subject Matter Expert responsible for product development, leading client pitch & on-site deployment.
• Led projects to improve delinquency management, streamlining on-boarding processes and standardizing customer help-desk to reduce overheads & TAT.
• Key Achievement :
• Won Gold award in credit innovation category at the PYMNTS Innovation event held at Harvard University for B2B Invoice-to-Payment solution jointly with MasterCard & leading FinTech firm (Vayana)

Jun 2011 – Feb 2013 · 1 yr 8 mos · Mumbai Area, India

• Handled product relaunch & sales of open-loop-prepaid-card targeted at youth.
• Key in executing Bank's Co-Brand strategy for Prepaid Cards. Worked closely with Program Managers & Co-Brand partners for market research, customer segmentation, product strategy, conducting POCs.
• Successful in reducing overheads by 60% & improving TAT by 50% by revamping product packaging, identifying & removing operational bottlenecks.

Oct 2010 – Oct 2010 · 0 mo · New Delhi, Delhi, India

• Conserve India is an NGO dedicated to intelligent waste management & empowerment of rag pickers. The NGO excels in "up-cycling" urban waste to create high-end fashion accessories like bags, lamps, jewelry.
• The NGO had established clientele in foreign markets. As part of my internship, I helped devise entry strategy for selling up-cycled products in local market.

Apr 2010 – May 2010 · 1 mo · Mumbai Area, India

• Part of the Corporate Sales team tasked to identify 'target group' in the Public Sector for Prepaid Card solutions and trade products.
• Successful in creating new pipeline:
• MMRDA (Mumbai Metropolitan Region Development Authority) : contactless Transit Card
• Thane Municipal Corporation : closed-loop card for Octroi collection
• Rashtriya Chemicals and Fertilizers Limited, NMMC & 2 city development authorities : transaction banking

Jun 2008 – May 2009 · 11 mos · Hyderabad Area, India

• Part of the consulting team for implementing SAP-ABAP upgrades among US based clients