Sep 2023 – Jun 2025 · 1 yr 9 mos · Mumbai, Maharashtra, India · Remote

• Product lead for KYC and DIY Onboarding journeys within Paytm Payments Bank
• Managed fully digital onboarding channels within Paytm payment bank for Video based KYC and other flows for opening of Small Prepaid Payment Instruments i.e. Wallets, Current Account and Saving Account product.
• Led team size of multiple PMs to spear head product roadmap with objective to accurately identify risk during onboarding for multiple products in bank along with improved customer experience, operations cost and TAT
• Adhering to regulatory circulars and compliance guidelines to implement the product level changes in timely manner along with reporting to all the control functions
• Improved funnel conversion efficiency to enable customers perform KYC using Aadhar based authentication
• Enable users for seamless transaction by keeping their account active and provide timely nudge and campaigns to remove any deficiency raised on their account due to rekyc due, freeze status, name, dob, address updation pending. Thus, ensuring uniform business continuity and revenue generation for bank with increased LTV
• Setup and monitor key health check and compliance MIS to proactively resolve any gap arising in system around mismatches / anomaly within customer accounts and instruments
• Managed multiple stake holders across risk, audit, compliance, finance, information security group functions with their ad hoc requirements and reporting asks for submission
• Integrated with multiple third party services such as MMI, OCR & Idfy for automating onboarding workflows
• Closure and solving the key observations arising as part of quarterly audit activities
• Prioritized among multiple requirements and features basis the business impact and utility of the feature.
• Improved NPS by 70% for KYC by implementing chat bot & multiple DIY flow for solving key customer pain points

Mar 2022 – Aug 2023 · 1 yr 5 mos · Mumbai, Maharashtra, India · Remote

• ▪ Led the Insurance vertical for Paytm Digital Journeys having 50,000+ monthly policies issuance,
• Rs 600 Mn GWP (Gross Premium) and Rs. 45 Mn Net Monthly Revenue.
• ▪ Launched and managed more than 15+ digital insurance products for Paytm Insurance Broking across Motor, health, life and Group Insurance (Standalone, Travel, CP, Attachment)
• ▪ Launched multiple embedded & standalone product (Super Top Up, Health Pass, PA, Hospicash, Shop Insurance, KYC flow for retail insurance, Subscription feature for insurance etc)
• ▪ Integrated more than 60+ individual insurance plans with 15+ insurance partners on Paytm platform.
• ▪ Drafted and visualized the Insurance Product Roadmap, prioritized among multiple requirements and features basis the business impact and utility of the feature.
• ▪ Worked on data and key product KPIs to analyze the gaps and identify the enhancement for increasing the funnel conversion and total conversion %.
• ▪ Led and maintained insurance product and feature backlog for sprint planning regularly. Measured and presented the impact of feature launch and funnel performance every week to senior leadership.
• ▪ Program managed tech-integrations with partners for on-time launch & superior customer experience.
• ▪ Responsible for product-led growth initiatives to drive adoption across various customer cohorts (10-15% inc adoption across products
• ▪ Led key regulatory requirements such as KYC verification, storage of reminder notifications for customers purchasing insurance using Paytm to make the journey 100% compliant.
• ▪ Worked with multiple cross-section teams design, tech, tech ops, TPMs, business, growth to spearhead the project deliverable.
• ▪ Managed team of upto 4 product managers to drive the product roadmap , Executed goal assignment, training, review and performance assessment to all the reportees.
• ▪ Liasoned with external stakeholders & vendors along with insurance partners to carry out integration, product formulation and launches.

Jan 2022 – Mar 2022 · 2 mos

Mar 2020 – Jan 2022 · 1 yr 10 mos

• Global Product Manager for managing digital banking products such as credit & debit cards, loan, liability products across 19+ different countries within HSBC.
• ▪ Product Management- Backlog Maintenance, Feature prioritization, Burn-Down and PnL, Stakeholder & Multi Market release Management, Feedback Loops and Funnels.
• ▪ Experience in Conducting customer workshops- Focus Group Interviews, Product Design workshops, A/B testing, Pilot Launch Strategy, Customer Launch Strategy, Marketing Strategy and Conducting User Training.
• ▪ Product Ownership- Responsible for ideation, building Product Roadmap, requirement & competitor analysis, Sprint Planning, Attending Scrum Events with teams, Reviewing Product increment during Sprint Reviews.
• Technical/Non-Functional- API reviews, liaison with PMs, BAs, developers, architect for creating Solution Architecture around functional feature, collaborate with Legal, Compliance, Fraud Risks etc.
• ▪ MI & Analytics - Tracking evidence-based metrics (EBMT) such as on-product index, innovation index, NPS etc. and ensuring the product is within defined measures for these and other metrics such as drop –out rates, app session times, App-store reviews, customer acquisition etc.
• ▪ Leveraged design thinking frameworks (Customer journey mapping, developing customer personas) to act as voice of customers & improving organization’s customer centricity.
• ▪ Proficient working in JIRA, Confluence, Wireframing, UX development, Adobe Analytics, Excel, Sketch, Budgeting, Resourcing, Cost & Effort Estimation, Project Management & Product Planning.
• ▪ Tasked with scaling $30 Mn portfolio to $100 Mn in 18 months by scaling an Out of the Box solution from 2 markets to 10+ markets.
• ▪ Working on product strategy to reduce operating costs by consolidating multiple technology stacks and acquired products.

May 2017 – Mar 2020 · 2 yrs 10 mos · Mumbai, Maharashtra, India

• Currently working in ICICI Bank as Senior Product Manager for Commercial Credit Cards. Managing sales, new product development, strategizing business and develop product portfolio for the business Credit Cards.
• ● Responsible for New Product Development, Partnerships, Technology Enablement, Customer Activation & Engagement, Product Marketing, Channel Development for Acquisition, Policy & Process streamlining.
• ● Develop product pricing & positioning strategies, translate them into detailed requirements and prototype.
• ● Interact with counterparts in Policy/Marketing/Legal/Compliance/Operation & Debt Management
• ● Launched products including features and stitching of the digital process for SME customers like Instant issuance of Business Credit card through Internet Banking & Mobile App.
• ● Developed & Launched New Products for SME Segment with network partners.
• ● Led the end-to-end digital acquisition strategy, ATL/BTL product marketing, development of the product flow, story-boarding, and documentation with a team of developers, testers, and third party consultants.
• ● Reviewed product specifications & requirements to map the customer journey and analyze user behavior inform marketing strategies and drive customer acquisition.

Jun 2015 – Mar 2017 · 1 yr 9 mos

Jun 2012 – Jun 2015 · 3 yrs · Pune/Pimpri-Chinchwad Area

• 1) Performed Requirement analysis, Test Planning, Design, Review, Defect Management and Reporting
• 2) Created, Executed and Maintained functional and automation test scripts using automation tools like UFT
• 3) Handled SAP testing for HR, Finance and SCM domain and ensured successful deployment of support pack releases and other project deliverables
• 4) Automated business flow process in Payroll module for 25 countries resulting in client savings up to 25%
• 5) Developed solution tools and frameworks for QA Team, leading improvement in automation process
• 6) Supervised a team of 4 new joiners and conducted trainings for employees on testing and automation

Jun 2011 – Jul 2011 · 1 mo · Greater Lucknow Area

• Developed a project for ‘Analysis and Automated Report Generation for Unproductive Cells’ that was later on utilized by the firm’s employees to recognize the major causes for identifying the low performing network cells and analyse the KPIs.
• Analysed productivity and traffic handling capacity of network cells on basis of Network Key Performance Indicators (KPIs)
• Developed a VB Macro Tool for worst cell identification based upon network reports helping in traffic optimization
• Used Visual Basic Macros in MS Excel to merge the daily network reports depending upon their causes