ANCHAL GUPTA
Summary
Results-driven MBA finance professional with over 14 years of diverse experience in consumer payments and merchant partnerships. Recognized as a strategic product leader with a strong track record in product lifecycle management, including successful launches, go-to-market strategies, and key performance indicators to measure early success. Expertise in fostering high-value merchant partnerships while spearheading initiatives that generate new revenue opportunities and deliver measurable impact. A consultative approach to problem-solving establishes trust with stakeholders and facilitates effective cross-functional collaboration.
Overview
14
14
years of professional experience
Work History
Affluent Product Lead
Visa
09.2022 - Current
- Launched region's first UHNW product, 'Visa Infinite Privilege', introducing access to exclusive ‘money-can't-buy' experiences and access to a hyper-personalized global concierge service. Led end-to-end product design and structuring, assessed commercial viability, and spearheaded client engagement to ensure a successful market launch.
- Spearheaded comprehensive redesign of India's Affluent product strategy across four strategic pillars 1) Differentiated customer value proposition for UHNW, HNW & Emerging Affluent Segments 2) IRF Review & refresh to ensure market competitiveness 3) Introduced Visa's first spend-linked fee structure generating ₹10M incremental revenue in Y1; and 4)Modernized product rules framework enabling enhanced product design flexibility and innovation capabilities.
- Strengthened the ‘Events passion pillar' for Visa by leading multiple strategic partnerships with Global partners in Dining (Ex: Conde Nast Traveler, Partnered with Michelin Star Chefs for pop ups ) & Music (Multiple concerts with BookMyShow)
- Challenging the status quo with a pivot in GTM strategy by engaging D2C marketing channels such as Influencer marketing, customer research initiatives , sales first collaterals to support acquisition and drive preference for Visa Affluent cards
- Closely worked with internal consulting team to build Portfolio optimization models with top 5 Issuers to identify upgrade opportunities & drive incremental XB volume (potential to drive upto 500 Mn+ of incremental XB volume)
- Other Projects: Client pitches for Co-brand Cards, P & L accountability for all Affluent initiatives, SPOC for top issuers for Product engagements, Launch of Visa's first Dining Program for Visa Infinite , Manage Golf proposition for Visa, 6 month assignment with AP Affluent product team (Singapore) to access feasibility for launch of UHNW in the cluster given the successful launch in India
Product Head - Debit Cards
Axis Bank
02.2016 - 09.2022
- Spearheaded Debit Card P&L (initiatives on Branch & Feature cost rationalization, Vendor negotiation) leading to 320cr+ PBT in FY22
- Launch of Multi-channel Debit card Upsell programme across resulting in an incremental upgrade fee generation of 60+ Cr
- New Product launches on Wearable Devices, My design (card face customization) & other NFC enabled form factors
- Devised segment wise right product strategy (Salary, Savings, CA, Business Debit, Affluent)
- Managing Merchant relationships with over 250+ partners to evaluate tie-ups to differentiate Axis Bank Cards resulting in strong foothold across Marquee properties
- Ideated & piloted Digital Acquisition (IPA model) with top 5 merchants driving 1000+ leads in first 2 months of launch
- Strong relationship management leading to expanded scope of existing partnerships with the top 50 merchants for affordability programs, CVPs & accelerated rewards
- Responsible for managing the Axis Bank ‘Dining Delights' pan India program with 4500+ tie-ups.
Head - Merchant Partnerships & Alliances
Product Manager - Credit Cards
IndusInd Bank
09.2012 - 01.2016
- Co Brand Credit Card Launch with Chelsea (Industry's first Football Affinity Co Brand) - Development of attractive youth Product proposition.
- Iconia Credit Card Launch (Twin Card proposition) - Industry first Weekday/ Weekend rewards structure
- Drive engagement for Platinum Cards by cohort based offering, Inactive curing & attrition analysis
Project Manager (Credit Cards Divestiture)
Barclays Corporate
06.2011 - 08.2012
- Responsible for end to end execution of the deal, SPOC between Barclays and the potential bidders.
- Actively involved in set of discussions on the structuring of the deal, consideration, handling of customers and co-brand relationships
- Part of the Senior Management Steering Committee to highlight the deal's key developments, risks and concerns.
- Key Learning: Cross-functional exposure, Dynamics in deal structuring
Education
PGDM - Finance
S. P. Jain Institute of Management & Research
01.2011
B.Com. (Honors) - undefined
Shri Ram College of Commerce
01.2009
Class XII, ISC - undefined
Welham Girls School
01.2006
Skills
- Targeted customer analysis
- Product lifecycle management
- Cross functional leadership
- Effective stakeholder engagement
- User-centered design
- Market-driven product strategy
Timeline
Affluent Product Lead
Visa
09.2022 - Current
Product Head - Debit Cards
Axis Bank
02.2016 - 09.2022
Product Manager - Credit Cards
IndusInd Bank
09.2012 - 01.2016
Project Manager (Credit Cards Divestiture)
Barclays Corporate
06.2011 - 08.2012
B.Com. (Honors) - undefined
Shri Ram College of Commerce
Class XII, ISC - undefined
Welham Girls School
PGDM - Finance
S. P. Jain Institute of Management & Research
EXTRA CURRICULAR INTERESTS
Avid traveler, 250+ Hrs Hatha Yoga Teacher, Interest in wellness & nutrition.
AUTUMNS INTERNSHIP
Citibank (Local Commercial Bank), Mumbai
Opportunities in SME Sector : Use of Currency Futures as a potential hedging tool
- Business Development with 250+ SMEs to understand current hedging strategies & awareness about currency futures.
- Proposed segment wise banking penetration strategies , driving correlation between turnover & risk appetite
Similar Profiles
Namrta SaxenaNamrta Saxena
Senior Software Engineer at VisaSenior Software Engineer at Visa
Karanpreet SinghKaranpreet Singh
Staff Software Engineer at VisaStaff Software Engineer at Visa
Hadi DernaikaHadi Dernaika
Digital Sales at VisaDigital Sales at Visa
Heta RathodHeta Rathod
Product Lead - Affluent Cards at IndusInd Bank LimitedProduct Lead - Affluent Cards at IndusInd Bank Limited
Lindsey SmithLindsey Smith
<ul><li>Manage 5 direct reports as leader of the NW Region ($500M+ annual revenue) for a 6-year-old startup, as the team that owns the crucial business of matching shipments with the most cost-efficient strategies to secure high-quality carriers for our customers.</li><li>Delegated ownership of Product and Programs for Brokerage through proven ability to approach problems analytically.</li><li>Lead 1+ year projects such as creation of a new broker board product, migration of a backend data transformation from shipper to carrier jobs, which set teams up for success with product efficiencies gained/minimal disruption in day-to-day or tooling.</li><li>Achieved a company-wide batching empty miles initiative through partnership with P&E, breaking down complex algorithms to present data driven proposals for scalable solutions that improved batch match rate from 1.3% to 13.5% YoY with estimated $4.5M profit improvement.</li></ul> at Convoy<ul><li>Manage 5 direct reports as leader of the NW Region ($500M+ annual revenue) for a 6-year-old startup, as the team that owns the crucial business of matching shipments with the most cost-efficient strategies to secure high-quality carriers for our customers.</li><li>Delegated ownership of Product and Programs for Brokerage through proven ability to approach problems analytically.</li><li>Lead 1+ year projects such as creation of a new broker board product, migration of a backend data transformation from shipper to carrier jobs, which set teams up for success with product efficiencies gained/minimal disruption in day-to-day or tooling.</li><li>Achieved a company-wide batching empty miles initiative through partnership with P&E, breaking down complex algorithms to present data driven proposals for scalable solutions that improved batch match rate from 1.3% to 13.5% YoY with estimated $4.5M profit improvement.</li></ul> at Convoy