Rakesh Tripathi

CEO

Greater Delhi, Delhi, India18 yrs 10 mos experience
Most Likely To SwitchHighly Stable

Key Highlights

  • 17 years of experience in Banking, Fintech, and Telecom.
  • Expert in Credit Cards and Customer Lifecycle Management.
  • Proven track record in driving digital transformation initiatives.
Stackforce AI infers this person is a Fintech and Telecom expert with a strong focus on digital transformation and customer engagement.

Contact

Skills

Core Skills

Digital TransformationCredit CardsCustomer Value ManagementAnalyticsCustomer Lifecycle Management

Other Skills

FinTechMartech Platform ManagementBusiness Process Re-engineeringCross-functional Team LeadershipAccount ManagementDriving ProfitabilityPre-salesData mining & VisualizationCustomer Value CreationTelecommunicationsVendor ManagementMobile DevicesCRMBusiness AnalysisCompetitive Analysis

About

I’m a Customer-Focused Product & Strategy Leader with over 17 years of experience spanning Banking, Fintech, Telecom, and Mar-tech, driving growth through innovation, analytics, and digital transformation. My expertise lies in Credit Cards, Customer Lifecycle Management (CLM), Portfolio Strategy, and Data-Driven Marketing, where I’ve consistently delivered measurable impact on revenue, engagement, and customer satisfaction. At HDFC Bank, I lead strategic initiatives in the Credit Cards and Digital Transformation domain — building end-to-end digital ecosystems that enhance customer journeys through personalization, intelligent automation, and CRM-driven engagement. My focus is on re-imagining how customers experience banking — through innovation that blends compliance, design, and technology seamlessly. Previously, at Flytxt, I helped global telecom clients unlock value through real-time contextual Customer Value Management (CVM). By leveraging analytics, customer insights, and collaboration across product and business teams, I drove platform evolution, process optimization, and profitable customer engagement strategies. Having started my career in Telecom Marketing, I’ve worked across leading brands like Idea, Vodafone, Aircel, and MTS, leading customer lifecycle, segmentation, and campaign management programs that transformed data into decisions and engagement into loyalty. I’m passionate about creating connected, data-intelligent ecosystems where products don’t just sell — they build relationships.

Experience

18 yrs 10 mos
Total Experience
2 yrs 4 mos
Average Tenure
3 yrs 1 mo
Current Experience

Hdfc bank

Deputy Vice President

Apr 2023Present · 3 yrs 1 mo · Mumbai, Maharashtra, India · On-site

  • Leading credit card product and portfolio strategy, driving spend growth, EMI penetration, and lifecycle management through customer-centric digital solutions.
  • Spearheaded strategic product launches — FD Lien Cards, Credit Builder Program, Co-brand Cards, and PIXEL Digital Credit Platform — enabling fully digital issuance, real-time personalization, and improved customer acquisition efficiency.
  • Defined and executed the digital innovation roadmap across card acquisition, onboarding, activation, payments, and rewards, achieving higher customer engagement, retention, and profitability.
  • Conceptualized and launched MyCards PWA and PIXEL extensions, delivering a unified digital interface and enhancing self-service card management capabilities.
  • Drove cross-functional collaboration with Product, IT, Risk, Compliance, and Marketing teams to ensure regulatory alignment, agile execution, and end-to-end delivery of complex digital initiatives.
  • Led customer journey re-engineering through UI/UX revamps, data-driven segmentation, and workflow automation, resulting in measurable conversion improvement and cross-sell growth.
  • Managed a portfolio of digital transformation projects from concept to delivery, leveraging data analytics, customer insights, and innovation frameworks to balance regulatory compliance, customer satisfaction, and business growth.
FinTechDigital TransformationMartech Platform ManagementBusiness Process Re-engineeringCross-functional Team LeadershipCredit Cards

Flytxt

Assistant General Manager - Analytics & Consulting

Dec 2021Apr 2023 · 1 yr 4 mos · Mumbai · Hybrid

  • Led real-time contextual Customer Value Management (CVM) initiatives for leading international telecom clients, enabling data-driven marketing and personalized customer engagement.
  • Partnered with client teams to identify innovative CVM use cases, leveraging platform capabilities to design seamless, outcome-oriented customer journeys.
  • Collaborated with product and solution development teams to translate business requirements into scalable platform enhancements, ensuring superior customer and user experience.
  • Contributed to feature development and product enhancement initiatives to align existing CVM platforms with the organization’s long-term product roadmap and market trends.
  • Drove campaign governance and performance optimization, maintaining a strategic balance between campaign effectiveness and platform efficiency.
Cross-functional Team LeadershipAccount ManagementCustomer Lifecycle ManagementDriving ProfitabilityPre-salesData mining & Visualization+3

Vodafone idea limited

2 roles

Deputy General Manager Platform Management and Capability Development

Mar 2021Nov 2021 · 8 mos

  • Developed and executed integrated CVM and marketing strategies aligned with both local business priorities and global frameworks to capitalize on emerging opportunities and adapt swiftly to market dynamics.
  • Defined and implemented short, mid, and long-term strategic programs across the VIL product portfolio, driving customer engagement, retention, and revenue growth.
  • Led cross-functional collaboration across Sales, Digital, Campaign, and Technology teams to design and automate customer lifecycle programs, enhancing efficiency and scalability.
  • Created a comprehensive marketing and technology roadmap in close partnership with IT, integrating platforms such as SAS CI, NEON, MViva, and tools like charging & messaging gateways, CRM systems, BI/Analytics (SQL, Oracle), and multi-channel communication engines (SMS, OBD, IVR, USSD, Web, App).
  • Established and tracked key operational metrics to monitor performance, identify bottlenecks, and drive continuous improvement through structured prioritization of technical and process enhancements.
  • Partnered with vendors and technology partners for end-to-end project delivery—covering requirement analysis, effort estimation, solution design, implementation, and testing—while proactively managing risks and dependencies.
Digital Transformation

Assistant General Manager – Platform Mgmt & Capability Development

Jan 2019Mar 2021 · 2 yrs 2 mos

  • Supported the development and execution of customer lifecycle campaigns aligned with marketing strategy to drive engagement, retention, and incremental revenue.
  • Coordinated with cross-functional teams (Sales, Digital, IT, and Campaign Operations) to implement CVM initiatives and automate recurring marketing processes.
  • Assisted in managing campaign management tools and communication platforms (SAS CI, NEON, MViva, SMS/IVR/USSD) for targeted and data-driven customer outreach.
  • Monitored campaign performance metrics, analyzed outcomes, and shared insights to improve effectiveness and support ongoing marketing programs.
Digital Transformation

Idea cellular ltd

2 roles

Assistant General Manager, Corporate Marketing

Promoted

Mar 2017Jan 2019 · 1 yr 10 mos

  • Led a 14-member marketing team, managing the segmented product portfolio across South & West regions including Rajasthan, Kerala, Karnataka, Gujarat, Tamil Nadu, Maharashtra, and Mumbai circles.
  • Designed and implemented personalized recharge and engagement offers based on customer usage patterns, spending behavior, and regional insights to drive retention and ARPU growth.
  • Conducted customer segmentation and profiling using SAS Enterprise Guide, leveraging demographic, behavioral, and value-based data for targeted marketing interventions.
  • Generated data-driven customer insights through benchmarking, analytics, and market feedback to identify key customer triggers and business opportunities.
  • Collaborated with analytics teams to develop and refine churn prediction models, enabling proactive retention campaigns and improving customer lifecycle value.
  • Developed and executed training and capability-building programs to enhance product knowledge, analytical proficiency, and customer engagement skills across the marketing team.
Data mining & VisualizationMartech Platform ManagementCustomer Value CreationCustomer Lifecycle Management

Segment Manager - IRIS, Corporate Marketing

Feb 2015Mar 2017 · 2 yrs 1 mo

  • Managed end-to-end campaign lifecycle using SAS Customer Intelligence, including conceptualization, execution, and performance tracking for campaigns focused on cross-sell, up-sell, churn prevention, and revenue growth.
  • Led segmented campaign operations for key telecom circles — Assam, North East, UP (West), and Delhi — ensuring targeted customer engagement and improved offer relevance.
  • Spearheaded the launch and process setup of campaign management frameworks for the Assam and North-East circles, establishing structured execution and monitoring mechanisms.
  • Utilized SAS Enterprise Guide for advanced customer segmentation, profiling, and micro-segmentation, enabling design of segment-specific offers and communication strategies.
  • Applied test marketing methodologies using control and holdout principles to measure campaign profitability and optimize marketing ROI.
  • Conducted market visits and feedback sessions with retailers and customers to identify process gaps, improve campaign performance, and enhance customer experience.
Data mining & Visualization

Aircel

Product Manager(CLM) - Voice, Marketing

Jul 2014Feb 2015 · 7 mos · On-site

  • Accountable for net revenue and REC maximization, driving ARPU and ARPM growth through targeted lifecycle initiatives and customer value strategies.
  • Led usage stimulation programs and tariff optimization initiatives focused on enhancing voice usage, processing fee protection, and overall revenue efficiency.
  • Collaborated with Sales and Marketing Communication teams to design and execute promotional campaigns and segment-specific programs aimed at increasing customer engagement, usage, and penetration.
  • Conducted analysis of voice plans and revenue streams to identify growth opportunities and ensure continuous ARPU improvement through data-driven decision-making.
  • Developed and implemented innovative Voice and SMS-based offerings to strengthen customer engagement and drive incremental revenue growth.
Data mining & Visualization

Mts - sistema shyam teleservices ltd

2 roles

Data CLM & Device Management Manager

Jan 2011Jul 2014 · 3 yrs 6 mos

  • Led customer lifecycle management for data and voice portfolios, driving usage enhancement, retention, and ARPU improvement through targeted lifecycle interventions.
  • Spearheaded SMS-based application development in collaboration with IT and Network teams to strengthen customer engagement and enhance communication effectiveness.
  • Conducted cost-benefit analysis of system tools, driving platform upgrades and process improvements to improve operational efficiency and marketing effectiveness.
  • Directed new product development initiatives, including hand-holding STVs, FRCs, tariff packs, and VAS combo products, boosting acquisition, usage, and brand visibility.
  • Managed end-to-end campaign execution on SAS, covering design, rollout, monitoring, and post-launch analysis for usage stimulation and retention programs.
  • Collaborated with cross-functional teams to launch and communicate promotional schemes across customer and trade channels, ensuring alignment with business and revenue objectives.
  • Analyzed voice plan performance and revenue streams, conceptualizing innovative Voice and SMS-based offerings to enhance customer experience and drive incremental revenue.

Deputy Manager VAS

Apr 2010Jan 2011 · 9 mos

  • Responsible for development and penetration increase of VAS to achieve budgeted VAS Revenue & increase the revenue contribution to total revenue targets.
  • Prioritize key VAS initiatives, Manage Product Profitability, Advertising, Tariffing, Distribution drivers & Consumer promotions for VAS penetration
  • Formulate and analyze different VAS services, their revenue streams and ensure ARPU improvement & penetration.
  • Develop innovative Voice & SMS based services that enhance revenue and brand image.
  • Manage and co-ordinate with vendors, advertising, designing agencies and various groups within the company for developing communication strategies for the promotion of VAS.
  • Infuse localized content and services into vas portfolio.
  • Responsible for budget/costing about product designing, implementation for VAS services.
Data mining & Visualization

Onmobile

Circle Account Manager

Sep 2008Apr 2010 · 1 yr 7 mos · On-site

  • Managed end-to-end lifecycle of VAS products (SMS, Voice, IVR, RBT, WAP), achieving annual revenue and ARPU growth targets across operator accounts.
  • Collaborated with marketing, technical, and customer service teams to drive product awareness, adoption, and customer engagement.
  • Led requirement gathering, feasibility assessment, testing, and implementation for new VAS launches, ensuring timely and seamless rollouts.
  • Oversaw billing, collections, and performance reporting, ensuring accuracy, compliance, and stakeholder visibility.
  • Drove product innovation and strategy refinement, identifying new opportunities to enhance revenue and customer experience.

Reliance communications

Asst. Manager VAS

Jun 2007Sep 2008 · 1 yr 3 mos · Jaipur · On-site

  • Supported the development and execution of the VAS strategy and marketing roadmap to drive customer engagement and revenue growth.
  • Achieved revenue and ARPU targets through improved VAS penetration across Consumer and Enterprise segments.
  • Coordinated with technical, IT, and customer service teams to ensure smooth deployment and operation of VAS offerings.
  • Partnered with vendors and content providers to localize products, enhance promotions, and expand service adoption.
  • Monitored product performance and revenue streams, identifying opportunities for enhancement and profitability improvement.

Education

Indira School of Career Studies

MBA — Marketing

Jan 2006Jan 2008

Manipal Academy of Higher Education

B.Sc IT — IT

Jan 2003Jan 2005

Modern School

Jan 1998Jan 2000

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