Apr 2022 – Jan 2025 · 2 yrs 9 mos

• Leading Innovation in new product features and strategies, ensuring alignment with business goals and market trends to drive scale
• & success across all products. Introduced a real time fraud validation to ensure the right customers are being onboarded with the
• help of technology tools & service providers like Karza, Perfios, DigiTap, Hyperverge etc.
• Leading a team of product Owners & product managers across all products like Credit on Cards, Wallets, Personal Loans, BNPL,
• Credit on UPI, Consumption Loans, Education Loans, Vehicle Loans, Used Cars, Loan against securities etc., in collaboration with
• engineering, design, and other stakeholders.
• Built and Managed Strategic Partnerships like Cred, Flipkart, Hero, Ola, Spinny etc to drive product development and growth,
• achieving a $200 million size business monthly with large partnerships & fintech integrations with a current book of $2.1 billion.
• Responsible for Strategic Planning to execute the product roadmap and vision for the product portfolio to offer commerce as a
• service with embedded finance & integrated lending products. Working with ONDC to integrate as lending partner.
• Collaborating with Cross-Functional Teams and manage 60+ resource like engineering, product, collections, and operations teams
• on the development, QA, representing business interests during design and development phases, ensuring high-quality products
• were delivered on time, and to complete the end-to-end process in less than 3 minutes.
• Managed the Development of a best-in-class API suite to support customer-centric and personalized designs to drive better user
• experience for multiple partners and product integrations. Launching cashflow based lending using Account Aggregator in multiple
• use cases.

Jun 2017 – Feb 2022 · 4 yrs 8 mos · Mumbai, Maharashtra, India

• Pioneered as founding leader for the transformation of Jet Privilege to InterMiles, the first airline frequent flyer loyalty program to
• become a standalone loyalty corporation, leading a global team to success.
• Responsible for Design Thinking, wireframing, development, delivery including prioritizations and management of all financial
• products at InterMiles, contributing to strategy development and execution.
• Managed Product Lifecycle from ideation to launch, with proven ability to work effectively with engineering, design, product
• management, legal, business development, marketing, analytics, and operations.
• Spearheaded Financial Services Unit for wallets, co-branded cards, and business rewards with industry-leading banks for Etihad
• group, acquiring 10 million customers and generating $5 billion in spending.
• Managed the Launch of payment products and financial services that are accepted globally and domestically.
• Led and Influenced Cross-Functional Teams, payment processors, and networks to drive decisions and outcomes, ensuring
• successful product launches.
• Championed Innovation by establishing “Jet1Pay” and “InterPay”, mobile-first financial services payment platforms developed in
• collaboration with strategic partners Mastercard Labs to co-create a groundbreaking prototype for a combined Payments + Loyalty
• + Airline Benefits program as an all-in-one solution.

Nov 2015 – Nov 2016 · 1 yr · India

• Digital Payments Start-Up solving the B2B payment and supply chain ecosystem. Focused to penetrate the merchant lending and increase payments adoption

Sep 2015 – Jun 2017 · 1 yr 9 mos · Bengaluru, Karnataka, India

• Worked as strategic advisory consultant for bunch of new age bank, fintechs and technology service providers for setting up their digital channels, internet banking, mobile banking, prepaid wallets and payment gateway solutions, UPI, BPPS, Etolls etc
• Advised financial industry clients on implementing Digital Payment use cases with latest technologies like AR, VR, IoT, for solving the supply chain management problems and B2B commerce
• Responsible for defining and explaining very pragmatic and practical solutions to complex problems
• Was responsible for creating market opportunity analysis and strategic business diversification plans for clients to venture into new line of businesses
• Identified business synergies between client’s current business and its ways to play in the emerging payment trends
• Prepared loyalty & payments strategy value propositions to create new move in the market for new banks, technology partners/clients
• Was member of Fintech advisory club for Startupbootcamp India
• Was key SME for digital payment products and initiatives across the board
• Was instrumental in setting up bootcamps for client and managing hackathons & innovations labs

Apr 2013 – Sep 2015 · 2 yrs 5 mos · Mumbai Area, India

• Was part of founding team in launching Flagship Real-Time Payment System first of its kind across the globe, IMPS
• Responsible to creating, designing and implement service for foreign inward remittance platform, prepaid platforms for domestic and foreign inward remittances like Wester Union, Xoom, UAE Exchange etc using IMPS technology
• Was part of founding product strategy team for UPI, a revolutionary payments platform
• Worked on financial inclusion to cater different demography’s of society to provide efficient digital payment solution with IMPS, Aadhaar Based Solutions
• Worked on creating the merchant enabled payment infrastructure and architecture to help P2M usecases
• Was responsible for partnerships and eco system expansion of product with respect to adding new member/ new implementations
• Align and managed internal stakeholders within Products and Technology to create momentum and drive the business also liaising with various internal teams for enhancing Operational efficiency
• Evaluate, prioritize that the regulatory requirements for new products are met with timely roll-out of the new product
• Served as the expert and advocate for the payments landscape to identify and understand the opportunities, challenges and potential priorities to establish mutually beneficial partnerships/commercial relationships
• Monitored and evaluated product performance from time to time to make it grow from 0 to 1 and 1-10

Jun 2012 – Present · 13 yrs 10 mos

• 'ELCO' started its journey in the year 2012, with a group of seven students whose motto is “GIVE BACK TO SOCIETY”. We took baby steps by celebrating our birthdays with orphan kids, spending time with them to make them feel they are worth something and also fulfil basic requirements of the kids by contributing from our part-time earned pocket money.
• The real journey of ELCO has started when it got registered under number 109 in the year 2014 as a NON-PROFITABLE ORGANIZATION. The team is growing in number with volunteers from corporate, students from various fields.
• VISION:
• “Where donor meets needy” Our vision is to bring happiness, Inspiration and courage to all the juvenile souls and enlighten them to succeed in whatever endeavour they choose.
• MISSION:
• To inspire, inculcate hope and contribute to education of children and also their well-being by providing basic needs.
• Check out website: http://elco.org.in/

Aug 2011 – Mar 2013 · 1 yr 7 mos · Hyderabad Area, India

• Was responsible to set up and organize lending request against securities or stocks of the HNI & UHNI customers
• To segregate the securities which are eligible as underlying assets against the scheme or product for margins
• Created the margin for securities and allocating lending value for those securities and perform international wire transfers
• Hand holding of HNI and UHNI client’s basis their needs and requirement and basis the underlying asset lending loans and other products to those clients
• To track the expenditure and spending power of the client
• Overall monitoring and acting as a regulatory authority for the client

May 2009 – Aug 2009 · 3 mos · Bengaluru, Karnataka, India