Bengaluru, Karnataka, India
At Optum, I am part of e-commerce payments team, leading digital payments product management for premium payments and supporting payment operations for insurance marketplace. At EdgeVerve, I led the retail digital engagement product leveraged by banks globally. I focused on improving the digital banking experience, crafting digital payment solutions, and refining customer onboarding processes on channels such as mobile banking and online banking. The strategies I've implemented have significantly reduced abandonment rates and generated a $40 million TCV, underscoring my ability to deliver valuable and user-centric experiences. With a foundation in analytical skills and business solutions development, my approach is always geared towards customer satisfaction and business growth. Previously, as a Product Manager at Quantiphi and Bank of Baroda, I was at the helm of developing AI/ML-based products for the banking sector, which streamlined debt collection and cultivated an insightful 360-degree view of customer behaviors. This experience allowed me to seamlessly transition into my current role, where I leverage these competencies to drive product strategy and execution. My dedication to innovation in financial technology is matched by a commitment to creating products that resonate with users and meet market demands. Core Skills: Product Management, Product Strategy, Market Research, GTM Strategy, Stakeholder Management, Business Analysis, User Experience (UX), Product Roadmap, Consumer Problem Identification, Digital Engagement, Cross-functional collaboration, Agile Methodology Key Areas: Digital Banking, Payments, Digital Origination & Onboarding, Mobile Apps, Online, Retail, Wealth Management, PFM, Collections
I successfully led initiatives to enhance digital payment experiences at Optum, focusing on customer insights and operational efficiency. • Defined and executed a comprehensive product roadmap for managing $308 billion in annual payments. • Designed AI agents to identify pain points in VOC and improve customer NPS through targeted product enhancements. • Developed a strategic plan to migrate legacy payment systems, ensuring modern, scalable solutions for improved performance.
• Gathered, analyzed, and documented comprehensive business requirements for Finacle Digital Engagement Suite, a Global digital banking product with an annual topline of $ 90 Mn. • Managed the product lifecycle of mobile and online banking applications to deliver successful solutions leveraged by 300+ banks across 80 Countries. • Managed the full lifecycle of a Customer 360° product that aggregated multi-institution financial data, providing customers with net-worth visibility and empowering banks to leverage financial snapshots for targeted product adoption. • Owned the product strategy for a digital origination and onboarding journey for loan and deposit products. This resulted in a 20% reduction in abandonment rates and a Total Contract Value (TCV) of $40 million
• Devised digital payments solutions such as Bill payments and Alias Payments (UPI, NPP, Zelle) to bring delightful and effortless experience • Led cross-functional teams in brainstorming and prototyping mobile banking applications for North America and South Asia that achieved high user adoption and positive customer feedback • Spearheaded the development of a targeted Go-to-Market (GTM) strategy for the Indian market by leveraging customer insights to refine the product messaging and value proposition, resulting in a 20% increase in lead conversions. • Successfully identified over 48 potential partnership capabilities, resulting in the establishment of 6 strategic collaborations that have contributed significantly to the organization's growth and expansion. • Conducted in-depth analysis of potential market gaps, resulting in the development of a comprehensive product roadmap, and outlining larger user stories (epics) for the Product releases for digital consumer banking applications • Formulated white papers on key trends demystifying business use cases in Metaverse and GenAI for improved personalization, immersive experience in Banking
● Managed concept-to-launch of debt collection management solution for Commercial Banks, enabling real-time risk analytics and AI-Chatbot. ● Completed development and global market launch of AI/ML-based Customer Data Platform to create a 360-degree view of customer behaviour and deliver a personalized experience ● Conceptualized the Commercial eKYC solution to help the Financial Institutions ensure smooth customer onboarding process and real-time monitoring using a knowledge graph-based data model ● Designed GTM strategy with crucial project stakeholders by conducting industry & product research, Create Point of View (PoV), participated in deal pitches, project executions to generate revenue ● Collaborated with Company CXOs and delivery partners to identify opportunities, gather business requirements to design product roadmap, features and defined requirements for Banking and Financial Services clients
Analyzed the financial performance of the New York Stock Exchange(NYSE) listed corporations which are part of the Credit Default Swap Index(CDX) by : • Building an abstract financial model. • Comparative analysis of key industry performers • Creating industry-specific KPIs which are comparable across the industry. • Analysing the impact and evolution of a new set of opportunities due to the COVID-19 pandemic.
● Led a 22-member team across the country to establish an in-house research cell focusing on Product Development & Process Optimization ● Worked with fintech partners to build co-curated Mobile Banking solution and go-to-market program leading to 40% YoY increase in bank's digital footprint ● Collaborated with various stakeholders to develop a strategic plan for increasing Bank's Digital Channel presence by 28% YoY in the Consumer Banking space. ● Played a crucial role in the designing and deployment of Digital Lending Platform for Retail Loans reducing approval TAT to 30 minutes ● Designed the 'Product Earning Model' for Liability Products leveraging customer data and insights from industry research resources, leading to an increase in profitability of the Business vertical ● Analyzed structured and unstructured data to build strategic business insights for better market segmentation, improved product positioning, and meeting the Key Performance Indicators (KPIs) ● Formulated white paper to the strategic management suggesting Digitalization of loan management system leading to rationalizing workflow and better customer satisfaction ● Acted as liaison with various business units to focus on Bank's strategic priorities and monitor the Bank's performance in the EASE 2.0 Index by the Government of India. The organization was bestowed as the best performer in the EASE 2.0 Index for FY 2019-20
● Managed a credit portfolio of INR 550 Crores in B2B segments such as Real Estate, Steel, and Supply Chain businesses ● Collaborated with various stakeholders to reclaim the lost clients to achieve a growth of 17% y-o-y in credit sanctions ● Coordinated with Risk Management, Compliance, and Legal teams to ensure that exposure is in adherence to regulatory requirements of the Bank, RBI, MCA-21, AML/KYC to its highest standards and improve the portfolio risk rating by 18% to Low Risk ● Successfully implemented collection methodologies, which reduced non-Performing assets from -68- in 2014 to -6- in 2017 ● Guided a team of Officers on various credit analysis related concepts to foster career growth and interpersonal skill development