May 2024 – Jan 2026 · 1 yr 8 mos · Gurugram, Haryana, India · On-site

• Directed a 5.2M-account credit card portfolio, leveraging market research, competitive benchmarking, and usage strategies to boost active rate by 4% and generate ₹300 Cr+ incremental spends.
• Owned P&L, optimized interchange income, cost-to-income ratios, and campaign ROI through SQL-driven dashboards and KPIs.
• Designed and executed analytics-led engagement programs (spend activation, contactless, tokenization) driving 15% uplift in e-commerce and POS transactions.
• Launched festive partnerships with Myntra, MakeMyTrip, Flipkart to enhance acquisition, retention, and spend stimulation.
• Redefined onboarding communication journey and introduced new activation channels, improving activation rate and customer experience.
• Ensured regulatory compliance and risk control across the portfolio.

Apr 2023 – May 2024 · 1 yr 1 mo · Noida, Uttar Pradesh, India · On-site

• Managed 1.2M co-branded credit card portfolio, improving activation rates, spend per card, and average transaction size (ATS).
• Designed customer segmentation, personalized campaigns, and channel optimization strategies to maximize marketing ROI.
• Led team of campaign managers and data analysts, delivering data-driven acquisition and engagement initiatives.
• Partnered with banks, fintechs, and cross-functional teams to drive innovation in product features and portfolio profitability.
• Owned P&L, optimized interchange income, cost-to-income ratios, and campaign ROI through SQL-driven dashboards and KPIs.

Jul 2022 – Apr 2023 · 9 mos · Noida, Uttar Pradesh, India · On-site

• Managed 1.2M co-branded credit card portfolio, improving activation rates, spend per card, and average transaction size (ATS).
• Designed customer segmentation, personalized campaigns, and channel optimization strategies to maximize marketing ROI.
• Led team of campaign managers and data analysts, delivering data-driven acquisition and engagement initiatives.
• Partnered with banks, fintechs, and cross-functional teams to drive innovation in product features and portfolio profitability.

May 2018 – Jul 2022 · 4 yrs 2 mos · Pune, Maharashtra, India · On-site

• Managed digital acquisition for credit cards via SMS, voice, and partner channels, achieving monthly target of 12K cards.
• Reduced cost of acquisition by 34% through optimized campaign design and channel efficiency.
• Established RCS as a sourcing channel, delivering 1K+ cards/month.
• Led credit card cross-sell initiatives, driving portfolio penetration and revenue growth.
• Expanded general insurance portfolio from ₹15 Cr to ₹50 Cr/month while maintaining <2% cancellations and <1% claims.
• Launched tele-binding channel for insurance sales, streamlining end-to-end policy issuance.

Oct 2017 – Mar 2018 · 5 mos · Gurgaon, Haryana, India · On-site

• Delivered monthly sales targets through strategic business development and channel expansion.
• Onboarded travel agents to affiliate program, increasing partner network and revenue potential.

May 2016 – May 2017 · 1 yr · Delhi, India · On-site

•  Develops new and expands existing High Net worth Customer relationships
•  Ensures high levels of customer service orientation
•  Cross sells existing bank products to customers.
•  Informs customers of new products or product enhancements to further expand the banking relationship
•  Coordinates with other group companies to provide seamless access to other products.
•  Maintains complete relationship record for assigned customer accounts.

Apr 2015 – Jun 2015 · 2 mos · Noida Area, India

• Testing Product Fesability in the market
• Market Segmentation
• Formulating Marketing and Penetration strategies for Saral Rozgar Card