Heta Rathod
Mumbai
Summary
Accomplished product marketing professional with demonstrated success developing and implementing strategic approaches to drive market growth and bottom-line profitability. Strong communicator with natural leadership talent and high energy. Impactful and successful manager talented in building teams and motivating personnel to new levels of performance.
Overview
17
17
years of professional experience
Work History
Product Lead - Affluent Cards
IndusInd Bank Limited
Mumbai
11.2022 - Current
- Leading the entire range of Affluent cards for IndusInd Bank
- Recommended pricing strategies based on market analysis and competitive dynamics.
- Prepared reports detailing progress on product launches. Launched three products catering to different segments - Mass, Mass-Affluent and Super Affluent
- Identified areas of improvement in existing products and services.
- Created and managed budgets for product development, marketing, and launch activities.
- Monitored key performance indicators such as customer engagement and retention rates in order to measure success of current products.
- Negotiated contracts with vendors related to launching new credit card products.
- Identified areas where existing processes could be improved or streamlined in order to optimize efficiency.
- Defined and implemented cost reduction and revenue generation strategies throughout product development lifecycle to maximize profitability.
- Formalized policies and set goals to keep projects on-task and maximize team performance.
- Planned and executed marketing events for showcasing product and service offerings.
- Recommended policy changes to improve marketing tactics and strategies.
- Delivered product strategy updates to upper-level management.
- Provided leadership training to junior members of the Product Management team.
Assistant VP – Affluent Cards
Citibank N.A.
Mumbai
08.2021 - 10.2022
- Managing Prestige card which is under retail category business
- Monitored progress of development projects to ensure milestones were met according to timeline.
- Maintained up-to-date knowledge base of relevant industry trends that could impact product strategy.
- Created detailed project plans outlining tasks, dependencies, deadlines, resources needed, and risks associated with migration to Axis Bank
- Managed cross-functional teams of technology, marketing professionals, and customer service representatives.
- Evaluated competitive landscape to identify areas where existing products could be improved upon when migrated to new portfolio.
- Recruited, hired and trained new hires to optimize profitability.
- Playing key member role in managing activities that require card level compliance basis regulatory and network direction
- Project Myrtle – transition related subject matter to be handled and ensure smooth transition.
- Managed a team of product specialists responsible for developing promotional campaigns for existing credit cards.
- Presented product plans at executive-level meetings.
Chief Product Manager - Affluent Cards
Kotak Bank
Mumbai
12.2015 - 05.2020
- Managing affluent products – Launch + revamp of existing products
- Conducted competitive analysis for existing and potential products.
- Responsible for managing overall P&L for entire premium product suite
- Performed post-launch analyses to measure success of feature rollouts.
- Created processes and procedures that ensure high quality products are delivered on time.
- Drafted presentations for internal review meetings and external events such as trade shows or conferences.
- Managed cross-functional teams across departments, including technical, marketing, and sales.
- End to End TAT management & query/complaints resolution including portfolio level NPS (Net Promoter Score) project and ensuring adequate complaint resolution
- Managing team member for supporting on acquisition
Product Manager - Commercial Cards
Kotak Mahindra Bank
Mumbai
01.2013 - 12.2015
- Responsible for managing business-to-business, corporate and travel agent credit cards
- Provided guidance on complex payment scenarios involving multiple currencies or international transactions.
- Interacted with external partners such as partners, vendors, merchants and processors to resolve issues quickly.
- Assisted in the development of new credit card products, policies and procedures.
- Identifying process gaps resulting in Cost saving or increase revenue
- Launched new B2B card with Innoviti Payment Solutions and Indigo tie-up with for corporate spends.
- Diverting all Kotak corporate spends – Employees, central team and ticketing spends
- Drafted presentations for internal review meetings and external events such as trade shows or conferences.
- Worked with sales teams to land customer wins in complex deals.
Product Manager
Kotak Securities
Mumbai
09.2012 - 11.2012
- Managing the special project for new website launch
- Responsible for SEM and SEO for the current website
- Responsible for SEM and SEO implementation for new website
- Launched new website in 3 months
- Search engines and traffic increased by 12% in first month
Asst. Marketing Manager
Kotak Mahindra Bank
Mumbai
08.2009 - 08.2012
- Responsible for managing entire communication for credit cards business
- Identifying the right channel for communication on different products and offers
- Collaborated with internal teams on product launches and advertising strategies.
- Designed graphics and logos for advertisements, newsletters, and other marketing collateral.
- Monitored competitors' activities to keep up with industry trends.
- Created content for promotional materials, including brochures, flyers, and websites.
- Tracked budgets for all marketing initiatives and provided regular updates.
- Led nationwide marketing campaigns from planning to execution.
Client Servicing Associate
Greysell Advertising Agency
Mumbai
07.2007 - 08.2009
- Managing client from Banking and Financial Services Institution (BFSI), key clients – Kotak Bank, ICICI, FINO
- Responsible for interacting with clients and getting the communication prepared for their communication strategy
- Responsible for business development for existing clients
- Managing communication calendar for all the clients and delivering the collaterals on timely basis
- Responsible for handling the team of operations and designers to fulfill the needs of clients’ requirements on communication
- Awarded as employee of the of the month and same year as employee of the year project planning
Education
Executive M.B.A (PGDMPE - Marketing) -
Narsee Monjee Institute of Management Studies
01.2013
Bachelors of Mass Media -
Usha Pravin Gandhi College of Management (Subsidy of Narsee Monjee)
01.2007
Higher Secondary Certificate -
S.N.D.T. Women's University
01.2004
Secondary School Certificate -
St. Lawrence High School
01.2002
Skills
- Product Management
- Data-driven decision-making
- Adaptability and Flexibility
- Problem-solving abilities
- Contract Negotiation
- Teamwork and Collaboration
- Self Motivation
- Customer Empathy
Personal Information
Date of Birth: 11/22/86
Accomplishments
- CBM Award for transition project managed during Axis Bank merger
- Employee of the year award for project management
Languages
English
First Language
Hindi
Advanced (C1)
C1
Gujarati
Upper Intermediate (B2)
B2
French
Beginner (A1)
A1
Personal Details
Married with 1 child
Timeline
Product Lead - Affluent Cards
IndusInd Bank Limited
11.2022 - Current
Assistant VP – Affluent Cards
Citibank N.A.
08.2021 - 10.2022
Chief Product Manager - Affluent Cards
Kotak Bank
12.2015 - 05.2020
Product Manager - Commercial Cards
Kotak Mahindra Bank
01.2013 - 12.2015
Product Manager
Kotak Securities
09.2012 - 11.2012
Asst. Marketing Manager
Kotak Mahindra Bank
08.2009 - 08.2012
Client Servicing Associate
Greysell Advertising Agency
07.2007 - 08.2009
Executive M.B.A (PGDMPE - Marketing) -
Narsee Monjee Institute of Management Studies
Bachelors of Mass Media -
Usha Pravin Gandhi College of Management (Subsidy of Narsee Monjee)
Higher Secondary Certificate -
S.N.D.T. Women's University
Secondary School Certificate -
St. Lawrence High School
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