United States
As a corporate development and strategic planning professional with 18+ years of experience in business strategy, M&A, and product management, I have a strong track record of advising corporate leaders, CXOs, and boards on M&A and innovation strategy, helping organizations enter new markets, accelerate growth, and gain long-term competitive differentiation. My expertise includes identifying and evaluating strategic initiatives, analyzing M&A and strategic partnership opportunities through financial and valuation modeling, and creating materials to support decision-making for M&A acquisition strategy. I am also a fintech enthusiast with proven product and business management skills, including the development of go-to-market strategies, product definition and delivery, and the adoption of consumer banking product and payment portfolios. I have successfully led multi-disciplinary teams to develop product roadmaps, align teams on a shared vision, and execute on that vision. This includes partnering with technology, data science, marketing, and business teams to incubate new revenue-generating product lines, evaluating product-market fit, conducting competitive market analysis, and implementing growth strategies through product, channel, customer segment, pricing, and positioning mix. Additionally, I am skilled at assessing emerging trends, technologies, and potential partnerships to build "digital-only" banking platforms.
Strategic Planning: Develop and implement strategic plans to optimize the IT budget and reduce operational expenses. This includes setting financial goals, creating budget forecasts, and making investment decisions that align with the organization's objectives. Budget Management: Oversee the management and reporting of the IT budget, including the allocation of funds, tracking of expenditures, and financial forecasting. Ensure all IT expenses are justified and offer value for money. IT Enterprise Procurement Management: Lead the procurement process for all IT-related goods and services. This includes the selection of vendors, negotiation of contracts, and management of ongoing vendor relationships. Cost Analysis: Perform regular cost analysis to identify areas of potential cost reduction or reallocation. Risk Management: Identify and manage financial risks related to IT investments and contracts. Compliance: Ensure all IT financial and procurement processes comply with relevant laws, regulations, and industry best practices. Project Planning and Execution - Develop comprehensive project plans, including objectives, timeline, budget, and performance measures. Identify resources needed and assign individual responsibilities. Oversee the execution of IT projects, ensuring adherence to the project plan and proactively addressing any deviations.
Drive Enterprise-wide New Strategic Initiatives for the CEO's Office in areas of New Partnership Development in Payments & Lending for expansion to International Geographies – Led the project on creating a ‘Digital only Bank’ with a social media company. Collaborate with the bank leadership team to align technology platforms and product roadmaps with longer-term strategies and ensure technology strategic initiatives are in place – As part of Office of CEO and CIO’s strategic unit, led the technology road mapping exercise for presentation to board and investor over the past 5 years. Work with business and product teams to ensure technical product and feature roadmaps align with expected benefits and integrate with operational processes for platform optimization. Project Planning and Execution - Develop comprehensive project plans, including objectives, timeline, budget, and performance measures – Currently leading the Core Banking Migration & Digital Banking front end from Fiserv to a proprietary Core as well as implementing an enterprise wide Document management system ‘Box’. Strategic Planning: Develop and implement strategic plans to optimize the IT budget and reduce operational expenses. This includes setting financial goals, creating budget forecasts, and making investment decisions that align with the organization's objectives. Develop and implement Strategic IT procurement strategies, optimizing $75M+ in IT spend across software, cloud, infrastructure, and IT services. Lead vendor negotiations and contract management, securing TCO savings of 15% through supplier consolidation, competitive bids (RFx), and strategic sourcing. Partner with CIO’s leadership team to identify cost-saving opportunities, mitigate risks, and improve procurement governance across IT categories. Cost Analysis: Perform regular cost analysis to identify areas of potential cost reduction or reallocation. Lead a team of finops professionals in cloud cost management.
Drive Enterprise-wide New Strategic Initiatives for the CEO's Office in areas of New Partnership Development in Payments & Lending for expansion to International Geographies Lead financial planning and analysis for the annual IT engineering and infrastructure budget, and provide business analysis and operational cost efficiency to the CIO and CFO as part of IT financial management. Collaborate with the bank leadership team to align technology platforms and product roadmaps with longer-term strategies and ensure technology strategic initiatives are in place. Maintain "top of the house" visibility into project and technology-specific enterprise budgeting and cost management to support technology cost management and budgeting. Work with business and product teams to ensure technical product and feature roadmaps align with expected benefits and integrate with operational processes for platform optimization. Partner with Corporate Development for ensuring IT DD for IPO Readiness
Master in Business Administration –Sloan Fellow in Innovation and Global Leadership Specialization in Business Analytics and Fintech
Saga – $ 30m seed-funded crypto startup with a mission of creating a worldwide currency. • Recommended new product growth strategies to Saga to meet the target of $100MM in market cap within three years; evaluated market growth rate, conducted competitive market analysis, redesigned go-to-market strategy, and product-market fit. • Conducted market research and collaborated with partners across research, product, and governance to investigated feasibility and scope of opportunity • Drafted a sales channel development strategy and marketing & distribution plan for achieving a $100m market cap
• Led the bank’s penetration into P2P, P2M, B2B, B2B2C & G2C digital payments business in 2018, working closely with corporate, government & quasi-government institutions, resulting in Yes Bank being ranked #1 in digital payments in India in 2019 • Introduced the industry-first BAAS model in the country by providing the tech, operations and risk management platform to more then 30 payments fintechs in the country, that helped reduce the digital divide through localized, frugal and innovative solutions in the pursuit of a cashless economy. • Delivered customized solutions for institutional customers on the back of the Indian payment stack of UPI, AEPS, Domestic Remittances, BBPS, Prepaid solutions, Fastag, Bharat QR etc. • Deployed customized cash management solutions for govt. of India programs on subsidy automation, SmartCity ecosystem solution, Distribution/Supply Chain Payments, One Mass transit, Cashless Campus, API Banking and mobility-based solutions • Partnered with technology, data sciences, marketing and business teams to introduce new revenue generating product lines • Evaluated product-market fit, conducted competitive market analysis & recommended go-to-market strategies for payments products
• Led core consumer banking & payments product and business strategy team, providing high-velocity impetus to organization-wide initiatives with a ‘technology company in the business of banking’ mindset • Responsible for the complete suite of retail banking (deposits and lending), investment, wealth management and payments portfolio, across the 1100+ branches pan India, as well as for the strategic initiatives & partnerships of the bank around Digital Business & Financial Inclusion. • Created and presented short/medium- and long-term business plans in consultation with the C-suite and presented progress against the plan to board of directors quarterly • Created strategic discussion materials, to support decision making for M&A acquisition strategy, target search to deal execution, regulatory requirements, and post-merger integration. • Conceptualized & launched a blueprint for bank’s ‘digital-only-bank’ project, migrating complete customer life-cycle management to a digital-only interface, thereby increasing share of digital channels, from 10% to 25%, in incremental business revenue • Accelerated launch of new retail business units by instituting management/ organizational frameworks and best practices– established broking business in 2012, consumer data analytics unit in 2014 & credit cards business in 2016
• Managed the overall P&L, brand management and channel sales for Citibank Singapore’s $2.9b mortgage portfolio • Launched a new product, “Citi International Home Loan”, wherein Singaporean citizens could take out a mortgage loan locally to acquire residential properties internationally, resulting in 25% growth in new business acquisition • Monitored customer loyalty through NPS, improving product pricing, service delivery and communication across the entire customer journey increasing in cross-sell penetration by 20% annually