Jul 2022 – Jun 2024 · 1 yr 11 mos · Gurugram, Haryana, India · On-site

• Spearheaded product scaling initiatives in a high-growth startup, leading a global team of 42 Product Managers, 18 Designers, and 5 Data Scientists. Leveraged financial and Machine Learning insights to propel monthly revenue growth from USD 4 million to USD 18 million, showcasing adaptability to startup dynamics and rapid scaling.
• Championed the development of an Intelligent Virtual Assistant in a startup setting, achieving significant reductions in manual customer service efforts, and forging strong ties with the UX design team to deliver user-centric financial services products. This innovation was pivotal for developing operational efficiencies characteristic of fast-moving startup operations.
• Orchestrated AI-driven enhancements in retail banking at an entrepreneurial fintech firm, advancing lending and wealth management portfolios. Executed an upselling initiative reaching 1 million motor policy customers with health and personal loan products, and a cross-selling triumph of 50,000 monthly two-wheeler loans, evidencing strategic growth akin to that required in a startup culture.
• Led the design and deployment of a Generative AI-based recommendation engine & loyalty program in a startup milieu, dramatically increasing partner user activations fourfold, from 8,000 to 32,000 per month. This demonstrates a track record of building GenAI applications and improving operational capacity, reflecting the agility and innovative spirit of a startup environment.

Aug 2018 – Jul 2022 · 3 yrs 11 mos · Noida Area, India · On-site

• Implementing Single Sign-on, Multi-factor authentication of IAM strategies, active directory master users, LDAP master users, OIDC & SAML with Gluu.
• Architected a global strategy for digital identity and payment solutions, with a strong record in Smart Cities, Digital Governance, and Industry 4.0/IoT/Surveillance products, enriching offerings with Generative AI, Digital Twin, & ESG for diverse international markets.
• Pioneered AI-driven financial solutions, leveraging Generative AI to boost product accuracy and customer satisfaction.
• Directed IDEMIA's global product team, managing end-to-end development of ID product lines, aligning with product backlogs, roadmaps, and feature prioritization.
• Generated $40 million monthly, managing 2 billion identities globally, showing prowess in pricing, ROI, and P&L management.
• Launched Conversational AI platforms, using Agile methodologies for market leadership and innovation.
• Collaborated with marketing and legal teams on launches, showcasing strong cross-functional teamwork.

Dec 2016 – Aug 2018 · 1 yr 8 mos · Noida Area, India · On-site

• Platform Innovation & Leadership: Engineered and launched a cutting-edge Personal Loan platform and an international stock broking platform from the ground up, leading a tech team with a strong adherence to Agile methodologies from both development and product ownership perspectives.
• Impact-Driven Execution & Growth: Expertly supervised software development cycles, ensuring seamless execution and user-centric product enhancements that resulted in the successful acquisition of 1+ million user data points and facilitated over 100K users in receiving loans, thereby demonstrating a direct impact on revenue growth and market expansion.
• Spearheaded product launches in the Conversational AI domain tailored for fintech applications, ensuring Agile methodologies to streamline operations and foster agile, customer-centric financial product iterations.
• Drove cross-functional initiatives to enhance user experience for financial platforms, resulting in significant boosts in customer engagement and contributing to enterprise value; directly relevant to managing and innovating lending and wealth management products.

Jul 2009 – Dec 2016 · 7 yrs 5 mos · Noida Area, India · On-site

• Launched cutting-edge B2B2C & B2C digital payment solutions in a fast-paced fintech startup, including BNPL and digital personal loans, enhancing the consumer finance market.
• Developed fintech loyalty programs for Fixed Deposits (FDs), mutual funds, digital gold, equities, Portfolio Management Services (PMS), debt products, and alternative investments, boosting customer engagement and catering to HNIs.
• Digital Payment Platform Leadership: Spearheaded the design and development of a comprehensive B2B2C Digital Payment Platform, encompassing QR codes, wallets, credit/debit cards, and POS systems, tailored to serve various industries efficiently. This strategic initiative facilitated seamless transactions, enhancing user experience and streamlining payment processes.
• Customer Loyalty & Engagement Solutions: Innovated and launched a robust Customer Loyalty Platform, integrating cashback features with major credit cards like Indian Oil Citi Bank, BPCL SBI, and HPCL ICICI. This platform significantly improved customer retention rates and enhanced engagement by offering tangible rewards for loyalty.
• Team Building & Leadership: Assembled and led a technology team of 58 professionals from the ground up, instilling Agile methodologies and fostering a culture of innovation and excellence. This team became pivotal in the development and successful execution of critical payment solutions and customer retention strategies.
• Product Innovation for Subsidy Management & Merchant Engagement: Developed the DBTL product to streamline the transfer of LPG subsidies directly into users' bank accounts, alongside creating the Xsparsh Application. This application serves both B2C and B2B purposes, providing merchants with real-time insights into their business activities and enhancing operational transparency.