Jan 2020 – Jul 2021 · 1 yr 6 mos · India · On-site

• P&L & Revenue Leadership: Directed a team of 5 to achieve 3x revenue growth within 12 months through aggressive product repositioning and strategic portfolio interventions.
• Strategic Brand Pivot: Led the end-to-end transformation of the legacy Jet Airways portfolio into the InterMiles brand, reconstructing the CVP from scratch to focus on lifestyle, dining, and multi-airline rewards.
• Commercial & Legal Negotiations: Negotiated complex, co-funded feature sets with partner banks (HDFC Bank, ICICI Bank, IndusInd Bank), working with Legal to create sustainable, win-win commercial frameworks for all stakeholders.
• Digital Transformation: Overhauled the Web/App interface and integrated Banking APIs for a 100% digital, self-serve card application journey featuring Digital KYC and instant credit checks.
• Data-Driven Growth: Partnered with Experian and internal Data Science teams to build Propensity Models, enabling precision targeting for co-brand cards and personal loan products.
• Ecosystem Orchestration: Managed a diverse partner network including Amazon, Flipkart, IOCL, and Visa, designing co-funded marketing initiatives that drove record-high card activation and daily spending.

Sep 2019 – Jan 2020 · 4 mos · Mumbai Metropolitan Region

• Led the product strategy and P&L for the Commercial Cards portfolio, focusing on B2B payment solutions, corporate credit cards, and expense management integration.
• Product Strategy & P&L: Managed the lifecycle of Corporate and Business Credit Cards, driving portfolio growth through data-driven acquisition and retention strategies.
• B2B Ecosystems: Spearheaded integrations with ERP and Expense Management Systems (E.g. SAP Concur) to streamline corporate procurement and T&E reporting.
• Market Expansion: Partnered with Wholesale and Corporate Banking teams to onboard large-cap clients and PSU mandates, optimizing commercial models for high-volume spends.
• Digital Transformation: Collaborated with the Business Solutions Group (BSG) to enhance virtual card platforms and self-service portals, improving the digital experience for corporate treasuries.
• Regulatory Compliance: Ensured all product frameworks adhered to RBI guidelines and internal risk mandates while maintaining competitive market positioning.

Nov 2018 – Sep 2019 · 10 mos · On-site

• Managed the firm’s highest-revenue banking portfolio, representing approximately 20% of total banking revenue within a team of eight account managers. Successfully led end-to-end business development and program operations for marquee banking and NBFC clients.
• Key Achievements & Portfolio Wins
• New Business Acquisition: Won competitive contracts and successfully onboarded the PNB Credit Card portfolio, Oriental Bank of Commerce, PNB Housing, and Saraswat Bank through rigorous RFP and tender responses.
• Revenue Leadership: Consistently managed the highest revenue-earning client portfolio in the firm, ensuring long-term profitability through tailored commercial models and cost-benefit analyses.
• Program Conceptualization: Designed comprehensive loyalty reward structures to maximize customer engagement and value for banking clients.
• Strategic Advisory: Presented program performance data and future roadmaps to C-suite stakeholders, identifying new opportunities to drive continued association with bank products.

Oct 2015 – Oct 2018 · 3 yrs · On-site

• Business Development & Account Management
• Spearheaded the onboarding of multiple key banking and NBFC clients, successfully managing their loyalty and customer engagement programs.
• Drafted and delivered winning responses to RFPs/Tenders floated by banks, securing long-term contracts to manage loyalty initiatives.
• Specialized in designing commercial models and conducting cost-benefit analyses to maximize client value while ensuring firm profitability.
• Delivered impactful program performance reviews, strategic roadmaps, and innovative ideas to consistently demonstrate value to clients.
• Program Conceptualization & Operations
• Designed and implemented loyalty program reward structures that drove high customer engagement and enhanced value for banking partners.
• Collaborated with marketing and analytics teams to execute targeted campaigns aimed at increasing digital channel usage, boosting cross-sell opportunities, reducing card dormancy, and strengthening customer association with bank products.
• Facilitated requirement gathering for websites, mobile sites, apps, reporting applications, and MIS tools to support program execution.
• Oversaw operations and call center performance, ensuring adherence to SLAs through regular reviews of key metrics such as merchandise delivery timelines and call response rates.

Jun 2014 – Oct 2015 · 1 yr 4 mos · Navi Mumbai

• Delivery Manager – TIBCO Program (Team Size: 60+ Resources)
• Directed planning and estimation for each code release, preparing detailed project plans and resource augmentation strategies.
• Oversaw release management and defect tracking across multiple environments throughout the SDLC.
• Coordinated with cross-functional teams to ensure smooth execution of deliverables and adherence to timelines.
• Key Achievements
• Maintained TIBCO defect levels at 6.25% across a complex program involving 35 vendors, outperforming the target threshold of 8%.
• Successfully streamlined release processes, improving efficiency and reducing defect recurrence.

Aug 2013 – Oct 2013 · 2 mos · Bangalore

Jun 2009 – May 2012 · 2 yrs 11 mos · Mumbai

• 1. Business Technology Analyst in Deloitte Consulting. Implemented Siebel CRM working in Healthcare and retail industries.
• 2. Managed consistent enterprise customer data between multiple systems using Siebel Universal Customer Master (Siebel UCM) and devised strategies and carried out initial data loading 50 million records in 16 hours for an online retailer in US.
• 3. Designed and implemented CRM for enhancing the sales pipeline and throughput for a large health plan company in the US, creating accountability, accurate reporting and decision making, eliminating redundant sales processes and consolidation of multiple legacy and third party applications.
• 4. Carried out database consolidation of loan application data of customers from all branches of India's largest bank, making the loan processing faster along with better management and storage of loan application data across different functions of the bank.
• 5.Vice President (Education) of Deloitte Toastmasters club. Managed various club related activities including organizing monthly meetings, scheduling speeches of club members and organizing club level speech contests.
• 6. Qualified Test of English for International Communication (TOEIC) with mastery level to interact with firm’s international clients.
• 7. Served as a trainer for Siebel Core Consultant Course for involving 28 new hires making them ready to take up projects.

May 2007 – Jul 2007 · 2 mos · Gandhinagar

• • Worked on AIESEC-Implementation of Content Management System in Tata Consultancy Services Ltd., Gandhinagar from 14th May 2007 to 5th July 2007.