Sep 2022 – Present · 3 yrs 8 mos

• Enabling collaboration, networking and discovery of new industry use cases.

Feb 2020 – Present · 6 yrs 3 mos · Gurugram, Haryana, India

• Led key bank, fintech, and health partnerships for CHIl in Gurgaon, India.
• Collaborated with technology teams to benchmark digital capabilities and develop related tools.
• Drove discussions on Insurtech solutions, inviting interested parties to connect for further exploration.
• Assisting in building new technology led use cases in travel, opd insurance, rural health domains.

Mar 2016 – Jul 2019 · 3 yrs 4 mos · Gurgaon, India

• Head - Financial Services ( july 2018 onwards)
• Leading P&L for Insurance ( Life and Property & Casualty), Pension (Atal Pension Yojana and Lending (referral based)
• Certified Principle Offficer Insurance, setup the regulatory compliance structure for Retail and Point of sale Person Insurance Products. Airtel Payments bank was the first payments bank to launch posp products in Pure Term Life and 2 wheeler insurance.
• Responsible for tieups with Insurance Partners as part of the Corporate Agency License
• Successfully launched referral based digital loans whilst working on regulatory aspects of full stack digital lending given that lending in general is a restricted topic for Payments Banks
• Handled roles leading products in Utility services, Merchant Solutions and SME Segment in the period March 2016 to March 2018

Jul 2015 – Mar 2016 · 8 mos

• Having setup the core product & operations, moved to new role that is focused on product & goto market solutions in the Digital Payment solutions space that would enable significant new business opportunities including setting up the Enterprise vertical for Digital Payment Products. Role involves working with an exciting ecosystem of partners like Banks, Corporates, Technology partners (Devices, connectivity etc) etc.
• Also Contribute to the Product, Partner & Goto Market Strategy planning for the Payments Bank, post the grant of the in-principle approval by RBI to Tech Mahindra

Jun 2013 – Jun 2015 · 2 yrs

• Responsible for Product, Strategy & Finance Operations for Tech Mahindra's NFC Enabled Prepaid Digital Wallet MoboMoney. Started the Journey with taking the product from Business Case Approvals to Application & Grant of PPI license to Hiring Key Team Members in addition to setting up the Product Roadmap & Compliance Operations. As part of Core Team also responsible for Monthly P&L updates to Senior Management as well as overall Program Level Governance in addition to Driving Product Roadmap & Finance Operations. Also participate in Regulatory Interface in periodic reviews with Reserve Bank of India.
• Part of the Core Team that was responsible for the partnership with ICICI Bank for its NFC Enabled Digital Wallet under the brand "Tap n Pay" and responsible for enabling the Product Strategy as part of the Product Management Role.
• More recently been part of the Core Team involved in drafted the Strategy & Application for Payments Bank with guidance from the Leadership Team of Tech Mahindra as well as Group Entities like Mahindra Finance as well as Potential Investors

Apr 2012 – Jun 2013 · 1 yr 2 mos

• Part of Tech Mahindra, as result of CanvasM Merger into Tech Mahindra. Moved from a Product Management Role to Handling Business Development / Pre Sales role for CanvasM's VAS product Portfolio for North America & Europe. Developed new deals within first 6 months with leading US Telco as client in field of Appstore & LBS with Projected Annual TCV of $ 2 million plus. The role includes working on Product Alliances & Strategy for the region. Also involved in Global Role on Driving Product Strategy & GTM Alliances for CanvasM Location Based Services (LBS) Portfolio. as well as new Propositions like Responsive UI.
• Also involved in driving the Product Management & BD initiatives for Tech Mahindra's award winning Fightback product portfolio, including the Development of the Fightback Enterprise Version that enables Enterprises in various sectors to enable Location Based Safety / Health Care/ Support services for their employees as well as customers
• Worked with Senior Management & Mobility Head on new Initiatives including M&A initiatives

May 2010 – Mar 2012 · 1 yr 10 mos

• Position looks at Comviva's products in the space of OSS / BSS (Adagium Suite-Contact Center/Provisioning/ Mediation/Number Management/ Self Care/ Rating/ Subscription engine etc). Responsible for leading the Product Management & Product Marketing function including Laying Down Strategic Product Roadmap & its Execution, Product Collaterals, RFP/ RFI/ Bid Support, Competitive Analysis, Developing Channel Partner Ecosystem etc.
• Strategic Product Initiatives Being Developed Include
• 1. CRM for Mobile Commerce & Cloud Offerings for CRM & Billing Product Lines
• 2. Developing Strategic Product & Goto Market Alliances with vendor partners like Oracle, Ericsson, IBM, HP etc
• 3. Roadmap for flagship products Adagium PACS & dBill

May 2010 – Sep 2010 · 4 mos

• Responsible for Product & Business Development for Comviva's flagship electronic topup product PreTups. Championed new product innovations to help new markets like
• 1. Selling Recharges via POS m/c's,
• 2. Mobile Client application with the middleware to enable recharges using mobile client
• 3. peer to peer recharges etc.
• 4. International Recharge Transfers.
• Innitiated strategic alliance discussions with partners like TransferTo, POS Vendors (Gemalto, Ingenico etc) , Visa & Western Union (Use their network to enable International Airtime Transfer etc to help Telco partners deploying PreTUPS to leverage a larger distribution network to enhance their Recharges Sales as well as to explore new business model of earning from Transaction Revenue in addition to the model of fixed / capex earnings

Aug 2009 – May 2010 · 9 mos · Gurugram, Haryana, India

• Responsible for Buongiorno's B2C vertical in India including New Operator Tieups, Product & Acquisition Strategy, creating new services to enhance consumer engagement etc. With acquisition of customers done primarily via Mobile & Online Ad Networks, got exposure to Mobile Advertising. From a Product Perspective Streamlined the portal Hygience, Reduced Errors Faced by Consumers & Improved Engagement Levels. Successfully managed the key accounts to reduce escalations and also contributed significantly to the new Telco agreements that currently help the organization gain significant leap in revenues.

Mar 2006 – Aug 2009 · 3 yrs 5 mos · Gurugram, Haryana, India

• Joined Pantaloon Retail India as Category Manager in the Telecom Division, which was hived off in 2008 as a 50:50JV with Axiom Telecom.
• Held National Category Management responsibility for Products to be Sourced from all Telcos, CDMA Open Market Device Vendors, Blackberry for Pantaloon / Future Axiom's telecom retailing business.
• Also had the mandate to develop market for retailing Mobile / Digital Content via Future Group Retail formats: This included initiatives in launching an innovative kiosk to retail Mobile VAS & Recharges, Packaging Branded Content on Memory cards etc.
• As part of positioning FATL as strategic partner in the telecom retailing space, laid down the strategic roadmap for partnership opportunities with telcos & contributed significantly to the exclusive tieups with key operators like Airtel, Blackberry, Idea etc. This included
• 1) The signing up of the first Modern Retail partnership contracts with Telco partners.
• 2) From innovation perspective Lead from Ideation to Deployment the first integration in the APAC region of online recharge to the POS of Big Bazaar in partnership with Euronet with roadmap to enable the delivery of digital content & services via the POS at various Future Group Formats
• 3) Launch innovative retention programs for Joint Customers of Retailer, FMCG & Telco with offers that included bundling Recharges with 500 ml pepso, Free Shopping value bundled with recharges etc
• 4) Contributed significantly to co-branding partnership with Airtel that included in its roadmap launching joint acquisition & retention initiatives

Dec 2003 – Mar 2006 · 2 yrs 3 mos · Gurugram, Haryana, India

• Managed a Nation wide rollout of Airtel Mobile WAP portal Airtel Live! within 30 days of joining. Handled Airtel Live! for a period of 6-8 months which in addition to the operations involved handling content partner alliances. Subsequently managed the MMS & text Alert Services wherein was responsible for launching New MMS Album Services & Increasing the Penetration of Airtel's Mobile Text Alert services. In addition to Mobile VAS products was also responsible for Airtel Device Management platform from Drafting RFP, Vendor Evaluation, Collaboration with Technical teams for launch & Working with Circle VAS Marketing teams to help them leverage the Device Management platform to increase penetration of Mobile VAS Services. The solution also helped customer care teams reduces costs on account of calls related to mobile settings configurations with the ability to initiate automated settings configuration from Customer Care Agent terminal

Jun 2000 – Dec 2003 · 3 yrs 6 mos · Delhi, India

• Responsible for all VAS Alliances & Agreements for Escotel in SMS & Voice. Key Achievements were Closing all Tieups for SMS Related VAS with Key Partners like Yahoo, MSN etc, Launching a New Voice Portal that Became ROI positive in 3 month itself, Contributed significantly towards strategic alliance for co-branded prepaid Mobile Cards with HDFC Bank & Yahoo! (Included Special Content from the partners in STK Menu). Created the largest suite of Mobile Banking Tieups across operators many of them being the first Mobile Banking launches by the Partner Banks (ICICI, HDFC, Axis, Federal Bank etc) & a major revenue stream from SMS Push.