Mastercard

Regional Director-Product Management-Installments & Buy Now Pay Later-Asia Pacific

- Managed key banking & fintech partnerships
- P&L ownership and was responsible to meet revenue generation targets.
- Worked closely with the partners to jointly identify & execute revenue generation activities. 
- Helped banks & fintech partners conceptualise and launch new payments products.
- Jointly drove initiatives with partner banks to help improve spends per card, activation rates & authorization rates for their respective portfolios.
- Helped broaden the partnership base for Mastercard by getting new banks & fintech start ups to start issuing & acquiring relationships.
- Helped banks manage fraud risk effectively by getting them to maximise the benefit from MasterCard’s fraud risk management solutions.

Achievements:
- Helped a partner bank launch South Asia’s first Merchant in a Box bundle (Business Debit Card + Bharat QR based payment acceptance).
- On-boarded 2 new partner banks + 1 Forex AD2 Dealer as principal members of Mastercard.
- Helped a private sector bank become one of the largest issuer of prepaid cards in India through bin sponsorship based programs.

Director - Business Development

Bharti AXA General Insurance

- Complete P&L ownership of the digitally sourced general insurance book.
- Responsible to meet premium collection targets across all digital channels (website / aggregators / call centres).
- Managed digital partnerships with large digital aggregators / insurance brokers like Policy Bazaar , Cover Fox , Bank Bazaar etc
- Worked closely with underwriting to reduce loss ratio’s by taking corrective portfolio actions.
- Focussed on bundling & up-sell / cross-sell  to help reduce cost of acquisition.
- Responsible to drive policy renewals. 
- Worked closely with the Digital Marketing team to improve the “lead to sale” conversion ratio’s by having an effective SEO/SEM strategy.

Vice President & Country Manager - Digital Sales

Kotak Mahindra Bank

- Managed the Debit Cards,Term Deposits & Current Accounts Product & Portfolio with a team of 6 Product Managers
- Responsible for overall P&L management for Debit Cards,Term Deposits & Current Accounts.
- Working on strategies to increase deposit inflows & reduce outflows.
- Initiate portfolio actions & run campaigns to drive deposit mobilisation & customer retention.
- Launched 3 Premium MasterCard Debit Card Variants (1 Titanium & 2 World variants)
- Completed the EMV Chip implementation / re-card as per regulatory guidelines & in the process of setting up a Real Time Fraud Monitoring platform.
- Enabled E-commerce Acceptance for ING Debit Cards using MasterCard Secure Code
- Drive Activations / Spends on Debit Cards through focussed marketing activities like running contests & promotions
- In a prior role,drove Credit Card Sales across Pan India through dedicated & crossell channels

Vice President & Product Head - Debit Cards / Term Deposits / Current Accounts

ABN AMRO Bank

- Manage Credit Card Acquisition for entire Bangalore through direct sales team
- Manage the Platinum Credit Cards acquisition channel
- Manage 'Cost & Quality of Acquisition'

Location Head-Credit Card Sales ( AVP )

- Manage Credit Card Sales through Direct Sales Teams (DST) & Outbound Tele marketing centres
- Cross sell of life insurance

Sales Manager - Credit Cards

Citi

- Managed Bangalore sales for 'Loan against Property' ( Business Loans )
- Manage key SME client relationships
- Prepare & present a detailed Credit Analysis of each loan applicant's financial statements

Relationship Manager-Mortgages

Venture Infotek (Now known as Atos Worldwide)

- Meeting Merchant Acquisition targets for partner banks
- Meeting Cross Sell revenue targets

Area Sales Manager - Merchant Aquisition

22 years of experience in payments, lending, digital & retail liabilities product & portfolio management across Debit Cards,Term Deposits ,Current Accounts AND Credit Card Sales, General Insurance Digital Sales and Merchant Acquiring.Currently in a Regional Product Management role, managing the Buy Now Pay Later / Installments product for Mastercard across Asia Pacific.

Key Skills include : P&L Management/Product Management/Portfolio Management / Project Management / E-commerce / Loyalty / Sales & Distribution / Business Development / Account Management

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