Apr 2022 – Dec 2023 · 1 yr 8 mos

Dec 2018 – Apr 2022 · 3 yrs 4 mos

• Leading Retail Payment products for Scotia Digital
• Building a team of Product Leads, Sr. Product Managers and Product Manager to build foundation innovative payment capabilities and customer experiences
• Developed prototype of a first in Canada real time and personalised ecommerce solution for prospect car buyers
• Used machine learning and data insights to identify target segment and refine client experience
• Expertise in product, risk and digital strategy, leading teams to launch innovative products. Passionate about client enhancing ideas that also add business value.

May 2017 – Nov 2018 · 1 yr 6 mos · Greater Toronto Area, Canada

• Spearheaded launch of installment lending in credit card, CIBC PaceIt
• o Complex multi-year project with many Cost of Borrowing regulation implications and first among the big 5 to launch
• o Lead a very large cross organisational team, breaking down complex requirements into simple requirements

Oct 2015 – May 2017 · 1 yr 7 mos · Greater Toronto Area, Canada

• Managed Non-Travel card portfolios which includes Cash-back and Classic cards including small business, generating half of total Cards revenue. Day-to-day included:
• Market Assessment, Product Portfolio Performance accountability
• Monitoring Product account metrics, P&L, customer satisfaction
• Analyzing Customer needs, competitive products assessment, opportunity identification
• Payment Innovation
• Support the strategy, business cases & implementation of new payments initiatives and innovations like mobile wallets Apple Pay etc.

Jun 2011 – Sep 2015 · 4 yrs 3 mos · Toronto, Canada Area

• Successfully launched new card products – Costco Co-brand card & Proprietary Student card (Vibe)
• Credit risk analytics to expand acquisition and early line management programs for the Capital One’s biggest customer segment
• Contract negotiations & P&L impact analysis for successful Partnership bid, new technology products & market research vendors
• Travel Playbook capturing learning across business development, partnership analytics and client development
• Business cases for C level executives on call center optimization strategies, new payment technology etc.
• Optimized strategies to turn Travel co-brand product portfolio profitable

Jul 2009 – Sep 2010 · 1 yr 2 mos · Mumbai Area, India

• Worked with the M&A (Merger & Acquisitions) and ECM (Equity Capital Markets) groups across multiple industries including energy, telecom, real-estate, healthcare, infrastructure and metals and mining sectors
• Selected deals : Essar Energy IPO ($2.3bn), Buy-side advisory to GIC in health care space, QIP for Hindalco, IPO for Ramky Infrastructure

Apr 2008 – May 2008 · 1 mo

• Interned at TMT desk in London; Offered Pre-placement
• Interned at Structured Product Sales desk at New York

May 2006 – Jul 2006 · 2 mos

• Developed Econometric Model to forecast nation-wide and brand-wise cigarette sales
• Used in estimating production capacity for the setup of Pune factory

May 2005 – Jul 2005 · 2 mos

• - Analysed the functioning of a newly introduced magnetic tool, CMR+

May 2004 – Jul 2004 · 2 mos

• - Received a Letter of Recommendation