Shikha Srivastava

CEO

Mumbai, Maharashtra, India18 yrs 9 mos experience

Highly Stable

Key Highlights

18 years of banking experience
Expert in product management and strategy
Passionate about workplace communication

Stackforce AI infers this person is a seasoned Fintech professional with expertise in product strategy and customer engagement.

Contact

Skills

Core Skills

Product ManagementBusiness Strategy

Other Skills

Portfolio ManagementCommunicationProduct DevelopmentPresentation SkillsBankingFinancial ServicesKYCLiabilityDigital salesPerformance strategy

About

I believe great ideas deserve great execution - and great communication. With 18 years in banking, I currently serve as Product Head at IDFC FIRST Bank, where I focus on liability products, business strategy, and portfolio management. My goal? To make banking simpler, smarter, and more meaningful for customers. Over the years, I've led projects that set benchmarks and transformed how financial products deliver value. Outside of work, I wear another hat - as a content creator. In 2025, I started an Instagram page dedicated to workplace communication and confidence-building Helping professionals express themselves better is something I truly enjoy because strong communication can change careers. Always learning, always creating--whether it's a new banking product or a post that makes communication fun and easy.

Experience

Idfc first bank

Product Head - Liabilities

Feb 2022 – Present · 4 yrs 2 mos · Mumbai, Maharashtra, India

Spearhead growth and profitability of Retail CASA and term deposit portfolio in rural banking.
Designed customer-centric products and digital journeys to enhance productivity and drive engagement.
Implementing and enhancing digital sales and performance management tools to optimize sales productivity.
Devised customer segmentation strategies and need-based assessment models.
Collaborating with analytics and risk teams to monitor portfolio movements and maintain optimal quality and liquidity ratios.
Launching and scaling customer loyalty programs (e.g., Relationship Banking Program, FIRST Rewards).
Led end-to-end training and sales campaign execution for internal stakeholders across India.
Facilitated interdepartmental alignment with operations, tech, risk, compliance, and legal teams to ensure regulatory adherence.

Product ManagementPortfolio ManagementBusiness StrategyCommunicationProduct Development

Dcb bank

4 roles

Group Associate Vice President and Head - Savings & TD Portfolio

Jun 2021 – Mar 2022 · 9 mos

Group Associate Vice President & Head - Term Deposits, Retail

Promoted

Feb 2021 – Jun 2021 · 4 mos

Associate Vice President & Head - TD Portfolio, Retail

Apr 2017 – Feb 2021 · 3 yrs 10 mos

1. Responsible for budgeted term deposit growth target of the Bank
2. To control and review portoflio health, ALM gaps, liquidity and concentration risk, and overall quality of deposits
3. Retail TD portfolio management and driving the sale of TD products across various channels
4. Drive campaign/messaging strategy working closely with product, marketing , analytics and regular monitoring and review of campaign outcomes
5. Identify and develop alternate channels like DTC, phone banking and external business/channel partners for growing term deposits.
6. Tracking competition, identifying interest rate trends and recommend changes in TD offering to ALCO.
7. Tracking portfolio movement, maturity profiles and constitution in close co-ordination with analytics and risk teams, to ensure optimal portfolio quality.

Product Manager - Retail Liabilities

Feb 2010 – Mar 2017 · 7 yrs 1 mo

1. Responsible for developing innovative savings and TD products for the Bank.
2. Retail TD portfolio management and driving the sale of TD products across branches
3. Analyzing product profitability, product movement for the liability (CASA & TD) products.
4. Tracking competition, identifying new products for the bank and the subsequent launch of the product.
5. Develop product launch plans and liaise with the marketing team for development of tools including brochures, product literature, internal training materials, presentations, features and benefits.
6. To initiate and be a part of cross-functional team meetings with IT/ Finance/ Operations/ Sales beginning with concept initiation through product delivery.