Garima Kapur Rawat
Mumbai
Summary
Banking and Digital Product Management professional with 15+ years of experience across
product management, digital payments, banking operations, client servicing and regulatory
transformation. Experienced in Payment Aggregator initiatives, ONDC enablement, RBI
compliance, end-to-end product lifecycle management, stakeholder management and
process improvement. Adept at collaborating with Business, Technology, Operations, Risk,
Compliance and Legal teams to deliver customer-centric digital solutions.
Overview
1
1
Certification
18
18
years of professional experience
Work History
Senior Product Manager
ICICI Bank
01.2023 - Current
- Led lifecycle management of digital banking products focusing on payment aggregator solutions and regulatory compliance.
- Led project planning, testing, implementation, and post-go-live monitoring of products to ensure successful delivery.
- Facilitated cross-functional collaboration among business, technology, operations, risk, compliance, and legal teams to enhance products and strategic initiatives.
- Implemented RBI payment aggregator guidelines to ensure adherence to evolving regulatory standards.
- Coordinated stakeholder engagement for successful rollout and operational enablement of ONDC initiatives, aligning goals across teams.
- Defined business requirements, prepared functional documentation, and coordinated UAT for seamless production releases.
- Identified and executed process improvements that enhanced operational efficiency and strengthened product governance.
Manager - Product Marketing & Strategy
FIS
02.2019 - 06.2022
- Proposition strategy development for FIS banking, payments and cards services
- Performed industry analysis and provided intelligence for product development strategies
- Co-established product differentiation pillars and functional descriptions to clarify market positioning
- Defined target segments for banking and payments products
- Determined key sales qualifiers through collaboration with product, LOB, and sales teams
- Generated sales pitch books, sales decks and product brochures and maintained product road maps
- Controlled delivery and completeness of product artifacts in repositories, supporting regional product and delivery teams
Manager - KYC & AML Operations
HSBC
01.2016 - 06.2016
- Level One checks and approvals for account opening for RBWM (Retail banking and wealth management) clientele
- Performed checks on key KYC indicators prior to NTB (new to bank) customer onboarding
- Executed bank-wide initiatives to implement KYC fulfillment controls and processes, enhancing compliance and operational efficiency
- Conducted enhanced due diligence to identify and mitigate risks of financial crime and money laundering, protecting the bank's integrity
- Leveraged customer feedback to develop process improvements, aligning operations with long-term business needs
- Performed statistical analyses to gather data for operational and team capacity requirements
Senior Manager - Advisory Services
Equentis Wealth Advisory Services
09.2015 - 06.2016
- Conducted comprehensive analysis of company portfolios to optimize allocation strategies.
- Analyzed market trends, reports, records and directives & captured key parameters for client updates
- Instrumental in designing and implementing business processes
- Identified key features to be implemented on existing systems to streamline and improve organizational efficiency and productivity
- Implemented productivity benchmarks across all departments to maximize company revenue
- Online investment advisory services
Associate Manager - Customer Servicing
Lodha Group
04.2012 - 09.2012
- Customer care for NRI clients high end projects
- Supervision of newly on-boarded clients
- Assistance with timely registration as per regulations
- Co-ordination with respective internal and on site divisions for asset possession
- Responding to client queries within TAT
- Execute and deliver best in class customer care solutions
- Monitor customer satisfaction post possession and take appropriate actions based on client feedback
- Co-ordination with financial institutions for loan disbursements
- Ensure timely execution of financial transactions as per process requirements
- Assist with identification and conceptualization of process gaps
- Generating and presenting MIS reports for management reviews
- Executing life cycle of on boarded client right from registration till possession stage.
Assistant Manager - Customer Servicing
HSBC
Mumbai
09.2008 - 04.2012
- Service Relationship Management
- Quality transaction banking services by providing a holistic range of financial solutions
- Daily transactions processing (such as RTGS, NEFT, Tax payments, remittances etc) as per turnaround time
- Effective service delivery- this includes prompt reply to customer queries and complaints
- Identify and implement initiatives to reduce customer issues
- Co-ordinate Payment and cash management solutions services for clients
- Co-ordinate lending propositions set up for clients
- Handling registration of credit limits
- Assist with trade related transactions like Import, Export, Bank Guarantee, Letter of Credit, Forward contract booking, Forex Conversion, etc.
- As an intermediary AD bank assisting in submission of documents for RBI filing for clients
- Mapping business requirements and coordinating in developing and implementing processes in line with the pre-set guidelines.
- Implementing quality systems and procedures to facilitate a high-quality customer experience while adhering to the SLA
- Correspondence & Co-ordination with various departments
- Transaction migration to Alternate Delivery Channels (ADCs)
- Identify cross-sell opportunities
- Generate leads for various products and services offered by the bank.
- Effectively migrate activity to ADCs for customers.
- Adroit in driving the profitability of the business by providing the right services to the customers and treating them in appropriate ways to maximize longevity of relationship.
Executive Trainee
Standard Chartered Bank
03.2008 - 09.2008
- Marketing and Sales of Business Installment Loans (BIL)
- Market research and analysis for BIL
- Capturing niche clientele suitable for BIL
- Revenue generation
Education
MBA/PGDM - Finance
Institute of Chartered Financial Analysts of India
B.B.A. / B.M.S. - Management
Mount Carmel College
BangaloreSkills
- Product management
- Client services
- Business banking
- Market research and analysis
- Management reporting
- Complaint resolution
- Business process improvement
- KYC operations and AML compliance
- Product lifecycle management
Certification
Certification in Antimoney laundering, CCRA
Projects
Key EXIM and SSI sectors for SME lending, Through this project, various market possibilities were closely examined so as to conjure which industries would be flourishing and lucrative for SME lending in future. Moreover, negative aspects related to the SME BIL department were also clearly examined. In addition to this, an assembled and investigative study on DSR productivity was also drawn.
Languages
- English
- Hindi
- French
- Bengali
- German
Timeline
Senior Product Manager
ICICI Bank
01.2023 - Current
Manager - Product Marketing & Strategy
FIS
02.2019 - 06.2022
Manager - KYC & AML Operations
HSBC
01.2016 - 06.2016
Senior Manager - Advisory Services
Equentis Wealth Advisory Services
09.2015 - 06.2016
Associate Manager - Customer Servicing
Lodha Group
04.2012 - 09.2012
Assistant Manager - Customer Servicing
HSBC
09.2008 - 04.2012
Executive Trainee
Standard Chartered Bank
03.2008 - 09.2008
MBA/PGDM - Finance
Institute of Chartered Financial Analysts of India
B.B.A. / B.M.S. - Management
Mount Carmel College