Jan 2024 – Feb 2025 · 1 yr 1 mo · Mumbai, Maharashtra, India · Remote

• Product Manager | Corporate Internet Banking | Digital Payments
• Experienced in driving innovation and enhancing digital banking experiences. Led key initiatives in Corporate Internet Banking (CIB) to improve customer engagement, streamline operations, and boost business growth.
• 🚀 Key Projects & Impact:
• 🔹 Commercial Card Journey – Designed a seamless experience with real-time tracking, spending controls & secure repayments.
• 🔹 Bulk Tax Upload – Automated large-scale tax payments, integrating with GSTN & CBDT for accuracy.
• 🔹 ICEGATE Integration – Simplified customs duty payments with a secure CIB integration.
• 🔹 UPMS via BBPS – Enabled centralized, automated bulk utility payments for businesses.
• 🔹 NPS for Corporates – Enhanced Employee Pension Management with automated reconciliation & real-time updates.
• 💡 Results:
• ✔️ 20% increase in customer penetration
• ✔️ 30% reduction in customer complaints
• ✔️ 40% rise in new customer adoption (NTB)
• ✔️ 15% growth in existing customer usage
• ✔️ 22% boost in current account balances
• Strong expertise in product strategy, digital transformation, and fintech innovation. Passionate about creating seamless digital experiences and optimizing transaction banking solutions.

May 2020 – Dec 2023 · 3 yrs 7 mos · Mumbai, Maharashtra, India · Hybrid

• I fostered collaborative stakeholder relationships and provided expert oversight across various activities, including rigorous control assessments. I actively managed risks, communicated effectively with senior stakeholders, and enhanced compliance by providing independent SOP perspectives from an auditor's viewpoint.
• » Awarded for Control Assurance Leadership: Recognized and awarded for Devised strategy for existing processes to develop newer and advanced workflows to attain business goals and improve overall efficiency.
• » Data-Driven Decision Empowerment: Empowered Product Managers with data-driven insights and comprehensive analysis, empowering them to make informed decisions on critical areas like pricing and process refinement. Achieved through the creation of sophisticated and interactive dashboards.
• » Recognized for Initiatives in Accessibility Advancements: Played a pivotal role in overseeing and executing multiple rate changes across all major currencies for the entire 170 billion GBP liquidity portfolio of the Bank over a span of 3 years. Improved the end-to-end rate change process, achieving implementation in less than 50% of the previous time, resulting in substantial cost savings of over 50 million GBP for the Bank. Identified a critical gap in customer industry classification during the implementation of negative interest rates, thereby averting a potential loss of 2.5 million GBP in interest income.

Aug 2019 – Mar 2020 · 7 mos · Mumbai, Maharashtra, India · Hybrid

• In this role, I held distinguished responsibilities, presented findings, projections and recommendations for business improvements, suggesting amendments to increase operational performance.
• Advanced Data Visualization: Leveraged advanced data visualization techniques to masterfully present and simplify complex data sets, enhancing data-driven insights.

Nov 2014 – Aug 2019 · 4 yrs 9 mos · Mumbai, Maharashtra, India

• In this role, operational and banking processes associated with the collection, aggregation, holding and disbursement of cash. Examples of the direct method of cash flows from operating activities include: Salaries paid out to employees. Cash paid to vendors and suppliers. Cash & Cheques collected from customers.
• Handled Team of 5 peoples performing different credentials service providing customers.
• Analyzed portfolio performance and made recommendations to generate commercial value and mitigate risk.
•  To assist in developing and administrating Quarterly Vendor Audits To analyze all new Vendor Contracts
• Experience of handling Customer & Vendor Billing process.
• To resolve assigned customer queries within target timeframes.
• Experience of handling customer service desk.
•  Processing and Verifications of Invoices for payment and Receipt of Invoices from Vendors.
• Key Accomplishments
• Designed and crafted innovative tools and interactive dashboards, resulting in a substantial reduction in Turnaround Time (TAT) and a marked enhancement of operational efficiency.
• Acknowledged and awarded by the Director Of Deutsche Bank AG for implementing three rapid improvement processes, leading to an outstanding 90% reduction in time consumed for invoice processing.

Aug 2012 – Oct 2014 · 2 yrs 2 mos · Mumbai, Maharashtra, India · On-site

• Processing and Verifications of Invoices for payment and Receipt of Invoices from Vendors
• Reconciliation of Payment advices with Processed Invoices

Dec 2011 – Aug 2012 · 8 mos · Mumbai Area, India · On-site

• Supervising and Controlling of Concurrent & Vendor Audit work with the stores.
• Monitoring Store and warehouse reconciliation.