Apr 2021 – Present · 5 yrs 1 mo

• Product Manager specializing in loyalty and digital payment ecosystems, with strong experience across end-to-end product lifecycle management—from ideation and development to deployment, optimization, and performance analysis. Expertise spans B2B fleet and enterprise programs, encompassing payment systems, loyalty frameworks, network enablement, and operational workflows.
• Proven track record in conceptualizing, building, and scaling large digital platforms, including closed-loop payment and loyalty solutions. Strong capabilities in product strategy, roadmap planning, API integrations, payment gateway expansion, fraud mitigation frameworks, and regulatory compliance. Adept at translating business requirements into scalable, secure, and customer-centric digital products.
• Experienced in forging and managing strategic partnerships and alliances with aggregators, financial institutions, OEMs, channel financing partners, and ecosystem stakeholders to deliver innovative payment modes, credit solutions, and value-added services that drive adoption, engagement, and sustainable growth.
• Recognized as an effective program leader with a strong ability to manage complex, cross-functional initiatives under defined service levels, timelines, and governance frameworks. Skilled in stakeholder management, vendor negotiations, contract management, and execution of large-scale programs in compliance with internal policies and regulatory standards.
• Hands-on leader in defining product vision, success metrics, and governance models, while driving go-to-market execution through close collaboration with technology, operations, sales, and marketing teams. Leads continuous product enhancements across mobile apps, web platforms, and loyalty programs, ensuring relevance and competitiveness in evolving digital ecosystems.
• Brings a strong techno-managerial blend across product management, program leadership, business development, channel strategy, and digital marketing.

Jun 2016 – Mar 2021 · 4 yrs 9 mos

• I joined as Area Sales Officer and rose to the position of Area Sales Manager in 2021. Throughout my tenure, my responsibility has been to foresaw market changes & evolving customer expectations and strategized to guide HPCL to live up to those expectations. Meanwhile, I had defined the business growth strategy and drove its implementation by leading, managing, and monitoring all activities to achieve short and long-term profitable sales, financial, operating and brand objectives.
• Further, my emphasis has always been on maintaining and developing relationship with distributors/ dealers and sell through them to grow Petrol, Diesel and Lubricants business by increasing volume and margin in line with business plan; consulting dealer for acquiring big volume customers and financially motivating channel partners by providing suitable incentives in line with their business performance.
• Moreover, I monitor and achieve individual sales targets (e.g. margin, growth); plan distributor/customer calls and visits to provide the appropriate level of service to distributors and customers with a focus on retaining/expanding business relationships; develop relationships with B2B customers or industries where there is demand of Diesel, acquire new customer for dealers, and manage customer services at forecourt of outlet.
• Besides, I manage the formulation & execution of highly successful marketing programs, and promotional/marketing campaigns for Petrol, Diesel, Lubricant Product resulting in increased ROI, consumer base, revenues, etc. for the business; conceive & execute Customer Loyalty Program to promote Drive Track (Diesel Loyalty Program of HPCL) and HP Refuel. Conceptualize and implement digital marketing campaigns, with a focus on increasing brand awareness, conversion rate, and high ROI. Monitor outlet operation as per SOPs defined by ministry and company policy.
• Handled Network Expansion- Finding out potential site, documentation work, Sales Starting of NRO