R

Raj Karkara

Chief Operating Officer

United States19 yrs 1 mo experience
Most Likely To SwitchHighly Stable

Key Highlights

  • Over 18 years of experience in digital transformation.
  • Expertise in blockchain and fintech solutions.
  • Proven track record in driving innovation and operational efficiency.
Stackforce AI infers this person is a Fintech leader with extensive experience in product management and digital transformation.

Contact

Skills

Core Skills

Digital TransformationStrategyProduct ManagementBlockchainMarketingFinancial ServicesBusiness DevelopmentProduct StrategyProduct Development

Other Skills

AnalyticsE-commerceManagementCRMRetailBusiness StrategySegmentationAgile MethodologiesCross-functional Team LeadershipStrategic PlanningProject ManagementLeadershipBusiness IntelligenceEmail MarketingMobile Devices

About

With over 18 years of experience, I bring expertise in digital transformation, strategy, technology, operations, product management, and business development to my role as Chief Operating Officer at ZebPay. My work is backed by strong skills in crypto, fintech, e-commerce, analytics, and business development, which have been instrumental in driving innovation and operational efficiency. At ZebPay, I focus on leveraging cutting-edge blockchain and fintech solutions to create value for customers and stakeholders. My mission is to design and execute strategies that align with business goals, ensuring sustainable growth and impactful outcomes.

Experience

Zebpay

Chief Operating Officer

Aug 2020Present · 5 yrs 8 mos · Singapore, Singapore

AnalyticsE-commerceBusiness DevelopmentProduct ManagementManagementCRM+41

Kanso strategies llc

Company Owner

Aug 2019Present · 6 yrs 8 mos · United States

  • Kanso Strategy (www.kansostrategy.com) is an advisory, consulting and incubation firm that works with clients globally.
  • Clients:
  • Simple Finance (www.simple.com)
  • Digitzs (www.Digitzs.com)
  • Arkane Network (www.Arkane.network)
  • Token Equation
  • DaBella (www.DaBella.us)
  • Ayon Capital

Overstock.com

2 roles

Senior Vice President, Product Management: Growth and Loyalty

Promoted

Dec 2014Aug 2019 · 4 yrs 8 mos

  • Managed Overstock.com's growth divisions: loyalty and financial services division and Overstock.com’s incubator for new business models and technologies.
  • Managed product, technology, marketing and business teams
  • Grew Club O loyalty program 100% YoY by launching new product functionality, new lifecycle campaigns and marketing partnerships
  • Implemented new acquisition and retention marketing programs that were optimized based on segmentation and customer lifetime value
  • Implemented a trial membership program that led to 50% increase in membership signups MoM, and 30% increase in conversion from trial to yearly membership
  • Implemented new UX to decrease the number of clicks to sign up for Club O membership and the store card across navigation paths
  • Integrated the store credit card with the loyalty program to improve consumer engagement and unify marketing strategies, leading to a 20% lift in card signups and 15% lift in card usage YoY
  • Implemented new marketing strategy that displayed product price in installment pricing when purchased with store card on eligible products
  • Implemented new marketing strategy that displayed reward dollars earned with purchase across navigation on eligible products
  • Optimized marketing programs (email, direct mail, affiliate and ad spend) to reduce marketing costs related to membership and store card
  • Implemented free returns for in-store credit program that led to 3% decrease in eligible return codes and 25% overspend on return credits redemption
  • Implemented customer referral program and gift-a-membership program to drive membership
  • Launched a new product, FinanceHub, offering consumer lending, investments (brokerage and robo-advising) and insurance products to Overstock.com’s consumer base, with tie in to loyalty program for cross-monetization and engagement
  • Managed and implemented new payment partnerships to enhance payments processing and reduce card acceptance costs
Product ManagementMarketingBusiness Development

GM/ Senior Director, Consumer Finance and Emerging Businesses

Dec 2013Nov 2014 · 11 mos

  • Consumer Finance
  • Consumer Credit
  • Insurance
  • Cars
  • GiftCards
  • Emerging Businesses
  • Medici
  • Farmers Market
  • E2.0 tools
  • Developed financial services strategy across different channels (web, mobile web, mobile apps, offline)
  • Implemented new user experience to optimize consumer journey and key metrics when interacting with labs and financial services products
  • Developed KPI’s and long-term annual roadmaps for financial services
  • Implemented a store credit card to enhance consumer and business LTV metrics
  • Implemented pay after delivery for B2C customers
  • Implemented alternative payment methods such as crypto currency (bitcoin and 40 other currencies) and wallets (Apple, Google, Visa)
  • Re-developed gift card vendor and marketing strategy to grow business by 300%
  • Implemented 4 new business lines: Insurance, Cars, Farmers Market and B2B
  • Managed internal team of 30+ associates and vendor and partner relationships to optimize value to business and co-op marketing dollars
Financial ServicesConsumer FinanceBusiness Development

Tzero group, inc.

COO/CRO

Dec 2014Sep 2019 · 4 yrs 9 mos · Greater Salt Lake City Area · On-site

  • We believe that distributed ledger technology will replace legacy systems and counterparties, thereby reducing information asymmetry and multi day settlement times.
  • tZERO’s mission is to enable authentication and provenance of multiple asset classes and users with our full stack platform. Our proprietary platform integrates intelligent multi-participant wallets and keys, enhanced ISO20022 messaging format and distributed ledger technology with existing NMS participants to provide asset documentation from genesis and same day settlement.
  • Managed product, marketing and sales teams
  • Developed and launched the world’s first blockchain based trading system with regulatory approvals
  • Developed and executed sales and go-to-market strategy for licensing tZERO’s blockchain based SaaS platform for financial institutions
  • Developed and managed partnerships strategy globally
  • Developed a retail trading platform and execution venue for security tokens offerings
  • Developed a fully compliant investment platform that connects capital seekers with capital investors
  • Advisor and associate to Medici Ventures, Overstock’s corporate venture capital unit
Product ManagementMarketingSalesBlockchainPartnerships Strategy

Mastercard

Director, Global Prepaid Strategy

Aug 2012Dec 2013 · 1 yr 4 mos

  • Product Strategy
  • Product Development
  • Product Management
  • Cross border E-commerce
  • Loyalty and Rewards
  • Financial Inclusion and Empowerment
  • Mobile Wallet
  • Developed and delivered global innovation for prepaid services
  • Developed long term and annual roadmaps for global prepaid product and service development
  • Worked closely with regional prepaid product and sales teams to build MasterCard differentiation in prepaid services
  • Developed and executed go-to-market strategy
  • Led customer facing presentations and discussions in centering on prepaid services
  • Worked closely with emerging payments teams to create prepaid-integrated solutions
Product StrategyProduct DevelopmentCross-border E-commerce

Hooklogic, inc.

Director

Aug 2011Jul 2012 · 11 mos · Greater New York City Area

  • HookLogic powers e-commerce media, a revolutionary way for brands and shoppers to connect in and around the e-commerce environment. For retailers, HookLogic drives a new, high-profit, media-based revenue stream. For marketers, HookLogic creates unprecedented opportunities to influence in-market shoppers at key decision points.
  • Founded in 2004, the company is headquartered in New York and has offices in Ann Arbor, MI and Manchester, UK
  • Managed end-to-end customer relationship from implementation to delivery and post implementation strategy. Worked with Fortune 100 retail clients to develop product offering on ecommerce sites; identified new revenue opportunities through monetization channels and CRM segmentation strategy
  • Managed new product development and conducted financial analysis’ for programs
  • Conducted opportunity assessments and built use cases for product enhancements
  • Created financial dashboard views for each client with view into Revenue, Participation, Churn and Return on Ad Spend (ROAS)
  • Created strategic execution plans and reporting protocols for vendor outreach and success stories using balanced scorecard methodology
  • Created comprehensive category specific competitive analysis for suppliers and SKU’s for Sears.com, Overstock.com and Wayfair.com
  • Created shopper marketing programs on ecommerce sites with the goal of increasing click-through rates, conversion and brand awareness
  • Tested and analyzed programs and provide data driven insights that help build marketplace effects
  • Managed cross-functional team internally and on client side to ensure products are successfully delivered and client goals are achieved
  • Participated in planning, design, development, execution and testing of product roadmaps
  • Worked closely with sales team in building sales strategy, outreach and go-to-market plans
  • Worked closely with senior management team in defining client success metrics and company strategy
Product ManagementCustomer Relationship Management

Overstock.com

2 roles

Sr. Product Manager

Oct 2008Aug 2011 · 2 yrs 10 mos

  • Define product vision/strategy and objectives for online and retail products and features across all various channels.
  • Current Implementation includes Advertising Platform for partner advertising and Comparison Shopping Engine to provide customers with real-time prices from competitors.
  • Interact with cross functional teams and channel partners to understand user problems, obtain feedback on existing roadblocks, and identify solutions.
  • Work closely with development teams, marketing, sales, support, and partners to execute on requirements and to position and launch new products.
  • Identify unmet consumer needs and opportunities; assess competitive products and strategies; develop product road maps and business plans.
  • Utilize strategic insight and organizational skills to develop new products, forecasts, monitor competitive activity, and identify product differentiation opportunities.
  • Act as a liaison between engineering, development, marketing, sales, partners and support.
  • Communicate Product ideas based on trends, market opportunity to key members of management.
Product ManagementMarketingBusiness Development

CRM-Loyalty and Monetization Analyst

Oct 2008Aug 2009 · 10 mos

  • Implement strategies to monetize website real estate through co-op platform.
  • Develop Customer segmentation insights using KXEN.
  • Build and manage financial models to implement Customer Loyalty & Co-Op Program.
  • Provide Ad hoc reports on site wide marketing initiatives, using Omniture SiteCatalyst.
  • Build customer retention models using Teradata and excel modeling tools.
MarketingCustomer Segmentation

Riverbed technology

Product Sales Manager- R&D Solutions

Jul 2007Mar 2008 · 8 mos

  • Identify key prospects and develop Business in new channels.
  • Analyze customer needs in terms of current business objectives,present advanced product features, benefits, and overall product solutions.
  • Develop and manage reference sites through high quality technical and professional client relationships.
  • Support marketing and field organizations.

University of maryland

Graduate Assistant

Sep 2006Jun 2007 · 9 mos

  • Work as facilitator between Mechanical Engineering Department and the Abu Dhabi National Oil Company (ADNOC).
  • Responsible for tracking and maintaining financial accounts.
  • Responsible for maintaining a database of international students and
  • assisting them with academic and financial concerns.

Cingular wireless

Marketing Analyst Intern

May 2006Jan 2007 · 8 mos

  • Analyst in Business Markets Group (BMG) department, specializing in competitive intelligence. Key responsibilities include monitor project development and perform competitive analysis.
  • Assist in projects involving small and medium business segments, implement existing concepts and resources to analyze raw data, report on findings and put data in statistical format.
  • Analyze and generate financial analysis reports and business reports.
  • Assist in business development and keeping track of wireless industry.

Ecil

Intern at Wireless in Local Loop Division

May 2003Aug 2003 · 3 mos

  • Internship at Electronics Corporation of India Limited.
  • Research and implement Multi Wall Set technology in Wireless in Local Loop.
  • Troubleshoot hardware and connectivity problems at
  • BSNL Telephone Exchange.

Education

Harvard Business School

Aug 2025Present

University of Maryland

MS

Jan 2005Jan 2007

Savitribai Phule Pune University

B.Tech — Electrical & Electronics Engineering

Jan 2000Jan 2004

Niraj Public School

Jan 1987Jan 1997

Stackforce found 100+ more professionals with Digital Transformation & Strategy

Explore similar profiles based on matching skills and experience