Jayanta Dutta Banik
Proven track record with 12 years of experience in BFSI orchestrating product and service journeys from ideation to execution. Business transformation specialist designing scalable, tech-enabled solutions to enhance customer experience and operational efficiency. Forward thinking techno-commercial strategist aligning cross functional stakeholders to translate priorities into compliant delivery.
Experience
Lead/AVP – Process Excellence & Automation
Axis Bank
Mumbai
Owned P&L for Cards & Payments journeys from prototype to production, driving adoption, monetization and revenue impact. Led Project roadmap, API driven feature development, UAT and Go-live scaleup while integrating core systems with external ecosystem. Designed decision logics embedding policy, regulatory, risk, and compliance guardrails with IT/Engineering, BSG, and BIU teams. Anchored Generative AI driven voice banking transformation for credit & debit card journeys. Increased IVR containment and AHT reduction by 60% via LLM powered agent assist; 250+ Cr p.a. additional revenue via cross-sell. Mentoring a team of Managers, Senior Managers and Interns.
AVP, Strategy & New Initiatives / CX Transformation
Axis Bank
Mumbai
Launched MVP2 features of Add-on card servicing NPS and MAU increase by 10% alongside increase in spend per active card. Additional projects: DIY Credit Limit increase, STP card services at PBC, WhatsApp-based card services.
Senior Product Manager – Cards & Payments
HDFC Bank
Mumbai
Held multiple roles within Digital Banking, Commercial cards, Prepaid cards and Merchant acquiring SBU. Drove Card-on-File tokenization with networks (Visa/Mastercard/RuPay) on compliance, certification and secure payment enablement. Built end-to-end digital onboarding journeys for corporate and commercial cards, improving acquisition and activation rates. Developed merchant-integrated payment solutions across payment gateway, POS, and collections ecosystem. Incubated JIT funding prepaid platform for fleet and expense management, enabling real-time authorization at POS. Reduced new card delivery RTO by ~15%, boosting activation rates. Nurtured a team of 15–20 sales and process executives; managing portfolio of ₹20-25 Cr.
Manager, Strategic Partnerships
ICICI Prudential Life Insurance
Gurgaon
Scaled digital distribution through aggregator partnerships, driving 40% growth in new business premium. Led a team of 10 direct and indirect reports.
Client Partner, BFSI
MarketsandMarkets Research
Pune
Spearheaded market research partnerships at Fortune 1000 companies across US & APAC. Closed USD 100K deal with US-based credit rating agency; led high-performing team of 8–10 BDMs.
Accounts Manager
Redington Gulf
Dubai, UAE
Managed enterprise technology & infrastructure products partnerships with SIs, VARs and MSPs across UAE, Oman and Bahrain.
Education
IIM Kozhikode
MBA
WBUT, Kolkata
B.Tech
Skills
KEY PROJECTS
EMI at OTP Page
During transaction EMI feature at checkout/OTP page. [ ₹1,300 Cr / $150 Mn revenue p.a.]
Secured Cards
RM Assisted onboarding journey for Fixed Deposit backed credit Card. [ 33,000+ cards p.a.]
Credit on UPI
EMI on RuPay cards — Issuer funded (post-txn) & Merchant funded (contextual, during-txn) [ ₹100+ Cr p.a.]
Balance Transfer on CC
DIY journey on MB/IB, targeting high external revolve base [ ₹800+ Cr / $100 Mn rev p.a.]
CERTIFICATIONS & TOOLS
Global Certificate in Product Management
Accredian
Lean Six Sigma Black Belt
ISEL