Apr 2023 – May 2024 · 1 yr 1 mo · Mumbai, Maharashtra, India · On-site

• Owned and led high-impact portfolio strategy engagements for leading Indian banks and fintechs as part of Visa Consulting & Analytics, operating as a trusted advisor to CXO, Product, and Portfolio heads.
• Managed the Visa–ICICI Bank engagement end-to-end, generating crores in consulting revenue and securing 3 consecutive renewals, driven by consistent delivery of actionable, data-backed recommendations.
• Led large-scale portfolio diagnostics across acquisition, activation, spend deepening, and retention using Visa network data and issuer transaction datasets, shaping product and lifecycle strategies at multi-million card scale.

Mar 2022 – Mar 2023 · 1 yr · Mumbai, Maharashtra, India · On-site

• Designed credit card CVPs and co-brand constructs (earn–burn models, pricing, benefit mix, segmentation), backed by issuer P&L and unit economics, influencing go/no-go decisions for new launches.
• Re-architected campaign and engagement frameworks for issuers by shifting from batch-led execution to near real-time, trigger-based models, materially improving GTM speed and personalization capability.
• Regularly presented to senior leadership (CXOs, Heads of Cards, Marketing, and Digital), translating complex analytics into clear product and business decisions.
• Mentored junior consultants and analysts, setting problem-solving frameworks, reviewing outputs, and ensuring executive-grade storytelling across deliverables.

Apr 2021 – Mar 2022 · 11 mos

• Engineered a high-speed fulfillment stack that reduced Credit Card delivery time by 50% (10 days to 5 days); optimized the
• QC & underwriting cycle from 1 day to 5 mins through automated QC (OCR + rules engine)improving approval rate by ~13%
• ▪ Owned the end-to-end product lifecycle for the Instant Digital Issuance journey; reduced onboarding time to <5 mins,
• resulting in 20k cards/month with 90% activation and 1.5x higher spending vs. other channels.
• ▪ Architected and scaled 4 proprietary growth engines—including alternative data decisioning and decentralized underwriting
• modules—increasing New-to-Bank (NTB) sourcing to ~40k cards/month.
• ▪ Conceptualized and launched an industry-first Secured Credit Card bundled with FD/Savings for thin-file users; scaled to 1.5k
• cards/month with near-zero credit risk by designing a seamless multi-product onboarding flow.

May 2019 – Mar 2021 · 1 yr 10 mos

• Product Launch:
• Successfully launched three new credit card products: the Secured Card (an industry first), the Doctor's Card, and the CA Card
• Collaborated with various stakeholders including Risk, Analytics, IT, Marketing, and RBL Bank to ensure a cohesive launch process
• Integrated 6 major systems at BFL, RBL & Mobikwik to instantly source credit card, savings a/c, and fixed deposit
• Conducted primary customer and secondary industry research to develop a compelling product proposition
• Sourcing Process Owner:
• Managed the entire credit card acquisition pipeline and ensured smooth operation through the use of Salesforce CRM
• Responsible for controlling sourcing mix, adhering to risk and compliance standards, and minimizing TAT
• P&L and Business Financials Management:
• Monitored key performance indicators for BFL and Partnership P&L
• Conducted variance analysis & reported P&L against budget on monthly basis
• Prepared monthly financial review decks to present to the Managing Director

May 2018 – Sep 2019 · 1 yr 4 mos

• In my role, I worked with the National Product Head to effectively manage and deliver profitable products. I also collaborated with a co-brand partner (RBL Bank) to continuously improve the product proposition and other post-acquisition metrics such as activation, spends, cross-sell, and customer service. Additionally, I worked with internal and external stakeholders including Sales, Risk, Marketing, Operations, IT, and Finance to strategize and execute the overall business plan on pre and post-acquisition metrics.

Jun 2017 – Aug 2017 · 2 mos · Gurgaon, India · On-site

• Conduct primary research in 6 tier 1 cities to gather information on consumer behavior and preferences
• Collect and analyze data using field visits to identify trends and insights
• Assist in the development and implementation of marketing strategies to increase brand awareness and drive sales
• Collaborate with the marketing team to create marketing materials, such as brochures, flyers, and advertisements
• Assist in the planning and execution of marketing events and promotions

Dec 2016 – Jan 2017 · 1 mo · Gurgaon, India · On-site

• Conduct primary and secondary research on the healthcare industry, market trends, and competitors
• Collect data through surveys, interviews, and secondary research
• Create reports and presentations to summarize research findings
• Assist in the preparation of project proposals
• Collaborate with other departments, such as marketing and product development, to provide insights and recommendations based on research findings

Aug 2016 – May 2018 · 1 yr 9 mos · New Delhi Area, India · On-site

• Organize industry corporate interaction events to help students gain exposure to various industries and network with industry professionals
• Develop and maintain relationships with industry partners and professionals
• Recruit, train and manage a team of students to assist with event planning and execution

Jul 2016 – May 2018 · 1 yr 10 mos · New Delhi Area, India

• Develop and implement communication strategies to increase the visibility and reputation of the Delhi School of Economics' MBA program
• Manage relationships with media outlets, magazines, and other external stakeholders
• Write and edit press releases, articles, and other materials to promote the college's initiatives and events
• Develop and maintain the college's website and social media accounts
• Create marketing and promotional materials, such as brochures, flyers, and advertisements
• Monitor media coverage and analyze media trends to identify opportunities for promotion
• Collaborate with other departments, such as admissions and alumni relations, to ensure consistent messaging and branding
• Maintain a database of media contacts and manage media inquiries

Feb 2016 – May 2016 · 3 mos · Chennai, Tamil Nadu, India · On-site