Hari Krishnan P A

• Product Innovation: Developed automated drop-off lead calling solutions leveraging Clevertap, CRM, and dialer integrations to enhance lead conversion rates.
• Project Delivery: Delivered dialer and WhatsApp conversational builds for streamlined customer support and service. Increased team efficiency by streamlining processes and optimizing workflows for cross-functional collaboration.
• Customer Journey Optimization: Led initiatives to refine and optimize digital customer journeys, improving usability and reducing friction points. Improved user experience through regular collaboration with UX designers and incorporating feedback from endusers.
• Roadmap Creation: Identified new products, platforms, tools, and features to prioritize and shape comprehensive product roadmaps.
• Collaborative Design: Partnered with design, content, and agency teams to conduct user research, ensuring a customer experience-driven design approach.
• User Stories Development: Translated user needs into detailed user stories and acceptance criteria for development teams.
• Feedback Integration: Incorporated customer and business feedback into product roadmaps, negotiating tradeoffs and aligning priorities with business goals.
• Adoption & Feedback Loops: Co-owned on-ground technology adoption, implemented feedback loops, and identified design improvements to drive product enhancements.

Product Strategy:

• Ideated and launched API and PaaS product for Credilio, enabling fintech distributors to sell cards/loans using a plug-and-play white-labeled solution.
• Developed and executed product pricing strategies for Credilio's diverse product offerings.
• Established a framework and streamlined processes, from client onboarding to product launch, for new product initiatives.
• Leveraged existing system architecture to create variations of the same loan/card journey, optimizing resource utilization.

Product RoadMap and Prioritization:

• Created quarterly product roadmaps for phased feature rollouts, aligning with company objectives.
• Effectively communicated the product vision to cross-functional teams and generated a high-level feature list.
• Incorporated customer feedback and market analysis to shape and refine the product roadmap.

Product Marketing:

• Collaborated closely with the marketing team to develop comprehensive GTM (Go-To-Market) strategies.
• Structured GTM creatives and communications, including prelaunch, teaser campaigns, and post-launch customer engagement communications.
• Automated marketing communications to customers and advisors to enhance engagement.

Product Launch: Implementation and Support

• Analyzed business requirements and authored Product Requirements Documents (PRD) to guide development teams.
• Led product launches by coordinating efforts with various stakeholders, ensuring successful rollouts.
• Conducted thorough UAT/CUG testing and provided sign-off, assuring product quality.
• Conducted post-launch reviews, identifying opportunities for enhancements and improvements.

3rd Party Integrations:

• Successfully integrated Experian Credit Bureau to fetch customer CIR (Credit Information Report) and developed a business rule engine for determining Credit Card and Personal Loan eligibility.
• Led integration projects with Banks/NBFCs for application sourcing to bank LOS (Loan Origination System)
• Led integration projects for more than 20 distribution partners, integrating Credilio's API solutions with their App/Web.
• Integrated tools like Clevertap, Branch.io, Google Tag Manager, Google Analytics and configured events/attributes for the marketing team's use.
• Implemented customer engagement tools like Gupshup, Karix, and Kaylera for WABA and SMS delivery.
• Integrated Zoom APIs to facilitate registration and participation in training sessions via the app.

Presales:

• Identified client systems and proposed tailored integration workflows and custom solutions for utilizing Credilio's API solutions.
• Conducted product demos, addressing both technical and business aspects, to showcase the value of Credilio's offerings to potential clients.

• Developed and launched digital modules like E-KYC, E-Stamp, E-Sign, E-Mandate etc. for the Sales Team to transform NTB loan customer journey into a smooth digital process.
• Designed an end-to-end journey on custom built Android App with SFDC LOS integration for Rural JLG loan sourcing, with an enhanced front end user experience.
• Initiated and executed process automations by sending out automated MIS/Reports and auto-assigning customer calling cases to sales managers PAN India for EMI reminder calling, Rejected mandate registration etc.
• Built a module, for collecting EMI from delinquent customers, for the Sales Team which helped the bank to increase its collections rate in the last quarter of FY 20-21 amidst lockdown.
• Launched various customer calling modules for field sales team members – for Lead to Loan conversion and pitching Credit card offers
• Increased App adoption by introducing various dashboards showcasing the Performance and Incentives of the sales team, triggering Push notifications and Promotional banners
• Post Disbursal Document collection and Digi locker integration – substantially reduced the time in RC/Insurance/Vehicle document collection for Two-Wheeler loans
• Spearheaded Data Center migration and infra related activities for critical employee management application of the bank.
• Owned BRD closure, designed wireframes, created user stories, planned sprint and lead daily scrum meeting.
• Identified and liaised with more than 20 cross functional teams such as Design, Development, Operations, Legal, Policy, Sales, IT, Vendors, Senior leaders etc. for implementation & execution of various projects.

• Expertise in RFP/RFI response and Techno-Commercial proposal writing.
• POC between the company and the client during sales cycle leading to deal closure.
• Conducted product demo for clients.
• Bid management on Smart city projects and Industrial IOT Requirements
• Vendor Management – Coordinating with multiple vendors to build around end-to-end IOT Solutions.
• Technical Content Writing and Preparing use cases for Sales Team
• Knowledge on IOT cost components and creating commercials.
• Involved in various roles comprising of Presales, Market Research, SWOT analysis, Competitor Analysis and Go to Market.