Accomplished Deposits Product Manager with exceptional track record of successfully developing, positioning, and pricing deposit products in extremely competitive landscapes. Extensive experience leading cross functional teams to plan, build, launch and manage world-class products. Dependable leader with ability to develop, coach and motivate staff while interfacing with executives on all levels.
Overview
18
18
years of professional experience
Work history
Director- Cash and Liquidity Specialist
Citibank
London
2021.07 - Current
Head up Sales for Deposit products for UK, Europe and Middle East Africa. Manage a deposit book of $30bn.
Responsible for Strategy to grow the balance sheet and meet P&L targets.
Recommend new products / enhancements / processes / pricing; build consensus in the organization; make solid business case to senior management.
Stay abreast of market trends and changes including evaluation of competitive offerings and customer / market needs
Work with treasury to ensure the book is hedged optimally to achieve the best NIM stability and profitability.
Ensure deposit products are designed to support to key ratios like LCR and NSFR.
Director- Head of Savings Products
Barclays Bank PLC
London, ENG
2018.10 - Current
Headed the savings product team for Private Bank overseeing product strategy and P&L for a liability book of £40bn generating £500m in revenues.
Created, implemented and promoted new deposit products (Notice Deposit Accounts), to meet customer needs and business objectives.
Developed revenue generating opportunities by introducing negative currency charging solution across all platforms.
Partnered with distribution teams to help shape sales strategy and achieve P&L targets through targeted campaigns.
Led efforts to create a strong control environment to mitigate compliance, operational and reputational risks that impact the business.
SVP- Liquidity Product Specialist
Citi Private Bank
London, ENG
2017.01 - 2017.08
First-rate business development / account management skills with the ability to successfully manage ultra high net worth clients across EMEA.
Product Management Business Development Client Management Product Development Financial Modelling Balance Sheet Management, Citi Private Bank Managing deposit and fee related product teams in product strategy, design and launch/implementation of both variants of existing products as well as new products, which will maximise volume growth and profitability.
Holding responsibility for a deposit book with $12bn in assets which generates $150mm revenue.
Effectively, developed, and managed the largest client of the Private Bank globally with annual revenues exceeding $4MM and deposits of $2BN.
Understanding the clients' individual needs and tailoring product recommendations to preserve capital and maximise returns.
VP - Liquidity Product Specialist
Citi Private Bank
London, ENG
2013.06 - 2016.12
Citi Private Bank Spearheaded the development and launch of ‘Flexible Deposit', resulting in higher spreads and increased revenues to the tune of $15mm in the first year.
Held responsibility for the Murabaha Deposit product aimed at Middle Eastern clients and held oversight of SPV in Jersey and 3rd party vendors. Book size $1BN generating $1MM revenue.
Coordinated all aspects of product management including the establishment of client pricing, promotion initiatives, marketing material and new product initiatives to develop the book.
Implemented regulatory changes (Basel III) and oversaw migration to LCR- friendly deposits.
Represented the Banking product team on the EMEA OPCO to ensure compliance with regulatory requirements.
Delivered operational efficiency by implementing backend product automation initiatives in partnership with client servicing/operations/technology resulting in improved efficiency and cost saving.
Liaised with Treasury and Finance for production of the annual plans and forecasts.
Selected as part of 100 VPs to participate in the 2016 Global Citi VP Development programme in New York.
AVP - Financial Planning and Analysis
MurabahaCiti Private Bank
London, ENG
2010.11 - 2013.06
Supported and collaborated with Business Managers to help in financial analysis, planning, and forecasting.
Contributed to $10MM increase in Banking product revenues by identifying inefficiency in underlying product mix and positively influencing client and sales team behaviour.
Prepared monthly management decks for the business heads of MET(Middle East Turkey) and CEE(Central and Eastern Europe) Supported Product Heads to understand key drivers influencing product profitability and managed expense / revenue targets.
Drive the development of detailed and accurate revenue projections of the annual plan and quarter forecast.
Played an instrumental role in establishing an offshore shared services centre in Mumbai for the Private Bank and held responsibility for overseeing day-to-day operations of the team.
Financial Analyst
HSBC
London, ENG
2008.11 - 2010.10
KharasAftab
GlobalBanking and Markets Business performance analysis including the preparation of the monthly performance review pack, earnings review pack and regional performance analysis.
Responsible for reporting of KPIs and scorecard for senior management on a monthly basis.
Financial Analyst
UBS Wealth Management
2007.08 - 2008.11
Ownership of Deposit Interest income, providing a monthly Balance Sheet & P&L trend analysis, month on month variances analysis and providing business commentary.
Analyzing Net New Money a CSF for the bank and assisting the front office in reviewing their client positions and movements on a monthly basis.
Education
ACCAAssociation of Chartered Certified Accountants - Accounting
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.