Nov 2020 – Mar 2022 · 1 yr 4 mos

• Build and Roll-out a new customer acquisition framework incorporating customer level P&L as well as alternative data
• Ramp-up digital acquisitions in Citi's key markets using this alternative framework - serving new risk and commercial paradigms

Apr 2020 – Sep 2020 · 5 mos

• Leading a highly profitable cards and Loans franchise for Citi (3rd largest franchise for Citi in Asia Pacific) across marketing, distribution and lending; Leader of 900+ employees in the organization
• Launching key partnerships with local digital eco-systems, e-commerce and wallet companies to achieve new customer acquisition as well as cards usage and instalment sales goals
• Transitioning out of the role for personal reasons.**

Jan 2019 – Oct 2020 · 1 yr 9 mos

• Built new data aided digital acquisition partnerships(Coles, HKTV, PayTM etc) through APIs that will bring more top of the funnel traffic to Citi as well as improving targeting mix and conversions that aids in reducing cost of acquisitions (average digital CPA down by 12% YoY).
• Crafting "Regionally Consistent" Digital Journeys for new customer acquisitions that minimizes customer friction as well as increases conversions; Driving Innovation through STP (Straight Through Processing) capabilities as well as as through Apply and Pay(enabling instant wallet provisioning through tokenization) . Launched Digital Card feature that allows customer to instantly spend on their card immediately after opening of the account
• Driving calibrated business growth for new client acquisitions balancing returns and risk appetite as APAC markets recover from pandemic
• Responsible for delivering new client acquisition goals - delivering 23% YoY improvement in 2019-20

Jan 2015 – Dec 2018 · 3 yrs 11 mos

• Responsible to optimize Credit Cards and lending P&L across 17 countries in the Asia Pacific Region covering both program management as well as portfolio optimization. Significant interaction with In-Country and Regional Risk Management teams to capture profitable customer's share of wallet; Built guardrails that allowed us to build balances while adhering to our risk management framework.
• Built Digital lending propositions including Card Loans as well as "Buy Now Pay Later" products across several APAC products. Led a team of Data Scientists on roll-out of Machine Learning Pricing and Propensity Models to enhance conversions for Digital Lending solutions

Jan 2012 – Dec 2014 · 2 yrs 11 mos

• Leads and manages fulfillment process for all consumer asset originations viz Credit Cards, Personal Loans, and Mortgages. Spearheading re-engineering to build the best in class platform with lower resources, faster turnaround and better customer experience

Dec 2008 – Dec 2011 · 3 yrs

• Managed collections and risk management through times of substantial credit headwinds ; credit operations experience for all products including mortgages, credit cards and personal loans; Reduced credit losses by more than 85% and expenses by more than 2x

Sep 2005 – Nov 2008 · 3 yrs 2 mos

• Key Relationship Manager of the successful and awar winning Jet Airways Citibank Partnership
• Travel Segment Expert managing Forex Prepaid Cards
• Work on Cards Product Strategy and New Product Development. Launched India's first transit cum contactless credit card with the Delhi Metro

Sep 2003 – Sep 2005 · 2 yrs

• Cross-Sell Manager through remote banking channels
• Deliver cost saves of US $ 0.5 Million through statement on email

Jun 2002 – Sep 2003 · 1 yr 3 mos

• Responsible for culinary product sales in Delhi.
• Worked in the Business Analyst team driving brand profitability, evaluating trade and customer promotions etc.

Aug 1999 – May 2000 · 9 mos

• Software engineer responsible for building logistics management solution for Kent Electronics - an electronics reseller in US