Nov 2025 – Present · 4 mos · Mumbai, Maharashtra, India

• I am working on building HDFC Bank SmartWealth App as a leading platform for investments

Jan 2024 – Present · 2 yrs 2 mos · Mumbai, Maharashtra, India

• Executive Vice President – Banking as a Service (BaaS)
• HDFC Bank | Full-time | Jan 2024 – Present | Mumbai, Maharashtra, India
• As Executive Vice President and Business Head for Banking as a Service (BaaS), I drive HDFC Bank’s strategic agenda of embedding financial services seamlessly across partner ecosystems — HRMS, ERP, UPI, fintechs, and consumer platforms — making banking invisible, yet indispensable.
• Our mission: to position HDFC Bank as the preferred partner for digital-first enterprises and redefine how banking integrates into everyday life.
• This role combines enterprise leadership, ecosystem strategy, and innovation at scale, ensuring that every partnership not only accelerates growth but also strengthens HDFC Bank’s position as India’s most agile and future-ready bank.
• Key Mandates & Impact Areas:
• Spearheading HDFC Bank’s Banking-as-a-Service ecosystem — from concept to commercialization
• Driving digital and business transformation through partnerships, APIs, and data-led innovation
• Building cross-functional alignment across risk, compliance, technology, and business verticals
• Leading growth strategy for new embedded finance verticals (salary, lending, payments)
• Shaping long-term digital infrastructure and operating model for future-ready banking

May 2019 – May 2023 · 4 yrs · On-site

• Product & Portfolio Head – Consumer Durable Loans, Lending on UPI, and Merchant Acquiring
• HDFC Bank | Full-time | May 2019 – May 2023 | Mumbai, Maharashtra, India
• Driving Growth, Innovation, and Digital Lending Transformation | HDFC Bank
• As Product & Portfolio Head, I led the transformation of HDFC Bank’s Consumer Durable Loans and card based lending business — building one of India’s most diversified and scalable retail lending portfolios. I was responsible for end-to-end product strategy, business growth, and portfolio profitability across multiple lending categories and partner ecosystems.
• I also spearheaded the bank’s foray into merchant lending and embedded credit, creating new revenue streams through digital partnerships and payment integrations. By combining technology, analytics, and customer-centric design, my team delivered exponential growth while maintaining strong portfolio health.
• This role was instrumental in shaping my leadership journey — from driving product innovation to architecting the foundation for HDFC Bank’s embedded finance and BaaS strategy.
• Key Achievements:
• Expanded consumer durable loan portfolio with double-digit year-on-year growth
• Introduced embedded lending models with OEMs, fintechs, and merchant ecosystems
• Strengthened risk and profitability frameworks through data-driven decisioning
• Built cross-functional leadership capability across business, credit, analytics, and digital

Aug 2016 – May 2019 · 2 yrs 9 mos · On-site

• Product Head – Debit & Prepaid Cards
• HDFC Bank | Full-time | Aug 2016 – May 2019 | Mumbai, Maharashtra, India
• Driving Scale, Innovation, and Customer Engagement in Payments
• As Product & Portfolio Head for Debit and Prepaid Cards, I led strategy, portfolio growth, and product innovation for one of the largest card bases in India. The role spanned product design, P&L management, digital enablement, and ecosystem partnerships across merchants, fintechs, and payment networks.
• I was responsible for building differentiated card propositions, enhancing customer engagement through digital journeys, and deepening transactional relationships — all while ensuring profitability, compliance, and operational excellence.
• Key Achievements:
• Revamped the debit and prepaid card portfolio to strengthen customer acquisition and retention
• Launched premium and co-branded propositions driving higher engagement and spend penetration
• Led the transition to digital issuance and tokenization in partnership with payment networks
• Strengthened merchant partnerships and payment ecosystem integrations
• Delivered sustainable portfolio growth with improved cost-to-income ratios
• This role built the foundation of my payments and product leadership journey — bridging customer experience, technology, and revenue strategy to create scalable impact.

May 2010 – May 2016 · 6 yrs · Mumbai, Maharashtra, India · On-site

• Product Head – Personal Loans
• HDFC Bank | Full-time | May 2010 – May 2016 | Mumbai, Maharashtra, India
• Scaling Retail Lending Through Innovation, Data, and Digital Transformation
• As Product Head for Personal Loans, I led the business and portfolio strategy for one of India’s largest unsecured lending franchises, overseeing growth, profitability, and risk management across multiple distribution channels — digital, branch, and partnerships.
• During this period, I drove HDFC Bank’s transition toward digital lending and pioneered India’s first end-to-end instant personal loan — “PL in 10 Seconds”, setting a new industry benchmark for customer experience and operational efficiency.
• This innovation became a flagship example of digital transformation in retail banking, combining real-time credit decisioning, analytics, and seamless customer journeys.
• Key Achievements:
• Launched “PL in 10 Seconds” — India’s first fully digital, instant personal loan, transforming customer onboarding and turnaround time across millions of pre-approved customers
• Scaled portfolio volumes while maintaining industry-leading asset quality and profitability
• Partnered with analytics, credit, and technology teams to introduce risk-based pricing and predictive early warning systems
• Built new customer acquisition and cross-sell frameworks across digital and branch channels
• Strengthened P&L management and portfolio governance for sustained business growth
• This role marked a defining phase in my leadership journey — blending digital innovation, credit strategy, and large-scale execution to create a foundation for HDFC Bank’s future in embedded and platform-led lending.