Citi

Leading a step-function change in Digital Growth & Innovation, leading E2E Digital Sales transformation strategy across four key pillars – Acquisition, Adoption, Engagement, and X-Sell.

Head of Digital Sales

Citizens Bank

As Head of Digital Sales and Growth, lead Public Website, Digital Acquisitions and E2E CX across all Consumer Bank, Wealth Mgmt and Commercial Bank Products. Manage E2E Digital Sales journey, Personalization, Conversion Rate Optimization (CRO), Digital Offers & Ad Exchange strategy, Mobile & Web Offer experience, SEO capabilities and E2E Funnel analytics.

Key Contributions
•	Leading Digital Sales across the Bank for Checking & Deposits, Consumer Lending, Business Lending and Wealth Mgmt; delivered 2 year cumulative Digital Sales growth of 111% (Digital Revenue grew from 18% to 38%), working towards 50% target.
•	Leading Integrated Digital Growth practice by creating an ecosystem of Data Management Platform (DMP), Demand-Side Platform (DSP), Conversion Rate Optimization (CRO) and Digital Offers strategy, all Real-time and Personalized across Mobile and Web.
•	Launched LaaS (Lending as a Service) Journey ecosystem enabling Consumer & Business Lending across suite of products.
•	Launched POS Lending (BNPL) by building out B2B and B2C experience and E2E eCommerce.
•	Enabled Wealth mgmt Digital solutions for managed advisory services (Specifi Save & Grow)
•	Launched HELOC FastLine, an industry first pre-approved HELOC with an E2E Digital Experience
•	Accelerated SEO traffic while lowering Performance Marketing and SEM bidding costs.
•	Building cross functional, omni channel Customer Journeys across Digital, Branch, Contact Center by creating modular CX Journey suite with Digital Widgets & APIs.

SVP-Head of Digital Sales and Website Strategy

American Express

Lead US Digital Acquisitions for New Product Development (NPD) enabling launch of Consumer & Business Cards, Personal Loans, Business Loans and Cross Border Payments. It’s an Internal ‘Innovation Lab’ formed to (re)create Amex Digital Acquisition capabilities for future. Managed multi-year $390MM+ enterprise investment in one of company’s top initiatives. Led Digital Transformation across Digital Acquisition teams using Agile LEAN Rituals, Digital Analytics and Design Thinking.
Key Contributions
•	Led Digital UI/UX and E2E Customer Experience across Web, Mobile for Cards, Lending and Payments enabling Funnel expansion, Click-Thru rates and X-Sell offers.
•	Led the strategic Roadmap for Card Acquisitions and Lending ecosystem across Digital & Call Center, it’s built on PEGA BPM, connected to Big Data Platform and is fully API enabled.
•	Led E2E Digital experience for Amex Amazon Small Business Card.
•	$1Bn+ in Pre Tax Income (PTI), created a Digital solution for New to Credit, Student, Expat population using Design Thinking, AI/ML and Robotic Process Automation (RPA).
•	Generated $15Bn in AR by launching fully Digital Products like Single Click X-sell, 1-Click BT, Personal Loans, ‘Buy Now Pay Later’, Small Business Loans and Merchant Loans.
•	12% incremental Cards YoY by creating X-sell offers, enabled Non Traditional UW segments.
•	Manage Vendor POCs, Fintech relationships and evaluate ‘Build vs. Buy’ decisions.

	Recipient of Chairman’s Award for Innovation in 2016 and 2017

Director Digital Acquisitions, Enterprise Digital Acquisitions & Risk Capabilities

Created centralized Data Lake (Customer 360), Data Products on Big Data Platform enabling Digital Acquisition ecosystem across 18 Countries. For US Market enabled Single Click X-sell and Card Linked Loyalty offers. Customer 360 is backbone of Payments processes leading to consistent Underwriting, Marketing, X-sell, Loyalty and Servicing decisions. Led a team of global Product Managers.

Senior Product Manager, Digital Acquisitions & Data Products

Loyalty Marketing Analytics and Loyalty Campaign Management for US Consumer and Small Business portfolio. Managed Personalization engine, Card Linked Loyalty offers, Trigger Based Marketing and Product re-vitalization. Responsible for Attribution analytics, A/B Testing and Market Mix Modeling. Led Digital Transformation around real-time Marketing offers using Predictive Modeling analytics, Multi/Omni-channel Marketing and Robotic Data Automation (RDA) for US market. Led a team of Managers.

Key Contributions
•	Delivered consistent results over 7 years, enabling $2B PTI
•	Instrumental in launch of Amex-Seamless.com (Restaurant aggregator) partnership

	Recipient of Chairman’s Award for Innovation in 'Card Linked Loyalty Offers' in 2012

Senior Manager, Enterprise Marketing Capabilities & Analytics

Ebusinessware Inc.

CRM Consultant for Individual & Institutional linkages enabling key decisions around CRM, KYC, AML and Compliance regulations. Lead a team of 6 to 12 financial analysts.
Clients – JPM Chase, Goldman Sachs, Bank of America, Citi, Prudential, CSFB and Barclays.

Process Leader, CRM Business Consulting

Citigroup Global Services

Credit Risk Strategy for Citibank India Credit Card and Personal Loans portfolio

Analyst

• 22 years of experience in Digital Acquisitions, B2B2C Lending, Digital Strategy & CX, Agile Product Development, Enterprise Marketing Management (Loyalty offers, DMP, DSP) and Digital Marketing Capabilities
• Seasoned People leader with experience in building high performing cross geography teams driving positive ROI and best-in-class Customer Experience.
• ‘MBA-Marketing’ and ‘Masters of Information & Technology’ so can effectively blend business acumen  with technology.
• Certificate in Leadership Excellence from Harvard Business School in 2019
• Agile and SAFe Certified, Design Thinking, LEAN Rituals

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