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.
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.
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.
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.
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.
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.
Redington Gulf
Dubai, UAE
Managed enterprise technology & infrastructure products partnerships with SIs, VARs and MSPs across UAE, Oman and Bahrain.
MBA
B.Tech
During transaction EMI feature at checkout/OTP page. [ ₹1,300 Cr / $150 Mn revenue p.a.]
RM Assisted onboarding journey for Fixed Deposit backed credit Card. [ 33,000+ cards p.a.]
EMI on RuPay cards — Issuer funded (post-txn) & Merchant funded (contextual, during-txn) [ ₹100+ Cr p.a.]
DIY journey on MB/IB, targeting high external revolve base [ ₹800+ Cr / $100 Mn rev p.a.]
Accredian
ISEL