Kailash Mishra
Mumbai,MH
Summary
Seasoned Product Lead with 15+ years experience leading digital transformation and driving revenue growth in the banking sector. Proficient in end-to-end product management, financial analysis, and fostering cross-functional collaboration. Achieved a 35% increase in digital adoption and a 20% rise in customer satisfaction levels. Skilled in strategic business planning, operational efficiency enhancement, and deploying innovative solutions for tangible business results.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Head Business Planning - Retail Assets
IndusInd Bank Ltd
03.2025 - Current
- Developing and Forecasting revenues, cost, and profitability for the next 1-3 years.
- Developing and working on implementation of business plans and Strategies.
- Analysing financial data and create reports for senior management to support decision making.
- Tracking key performance indicator and evaluating effectiveness of business initiatives.
- Executing budgeting and forecasting activities.
- Collaborating with cross functional team to optimize business process.
- Track competition, industry trends on key business parameters.
- Developing strategies for adopting new technologies, to improve customer experience and operational efficiency.
Product Lead - Personal Loans
Axis Bank Ltd
05.2019 - 03.2025
- Digital transformation - Introduced product and program based digital journeys for all channels
- Launched 2 major projects - Siddhi (Mobile App empowering bank employees as stop solution for all needs)), Saathi (An integrated, E2E retail lending solution covering all facets of loan lifecycle starting from sourcing till payout) and Assisted Journey (Digital journey for all channels).
- Enhancement in existing process to improve End to End TAT and better customer experiences.
- Track competition, industry metrics for better process transformation.
- Driving digital adoption across sales channels.
- Identified issues, analysed information and provided solutions to problems.
- Inspected products and services to comply with quality standards.
- Explored and created new ways to resolve problems with processes, technology or team members to improve overall efficiency.
- Worked with product development team members to optimise product specifications.
- Compared company products to competitors' products to assess market competition.
- Developed excellent working knowledge of industry trends and improvements in processes.
- Met budget targets through responsible planning and resource allocation.
- Trained and mentored employees to maximise team performance.
- Translated business goals, feature concepts and customer needs into prioritised product requirements and use cases.
Product Manager - Personal Loans & Home Loans
HDFC Bank Ltd
09.2008 - 05.2019
- Owning the P&L accountability; review the same with the Finance and Business Head
- Evaluating internal shortcomings and taking corrective actions according to budget
- Coordinating with Finance team for finalising Annual Business Budget / Manpower & Cost
- Monitoring portfolio movement / IRR / NIM and providing input
- Conducting Profitability analysis / Cost analysis / Channel level COA analysis
- Analysing Risk appetite at product level
- Standardisation of existing process
- Worked with product development team members to optimise product specifications.
- Developed and implemented positioning, messaging, sales collateral and training materials to achieve revenue targets.
- Supported all sales team members to drive growth and development.
- Managed stakeholder expectations to deliver results on time and within budget.
- Wrote and communicated functional and business level requirements to development team and vendor partners.
- Compared company products to competitors' products to assess market competition.
Senior Executive
Fullerton India Ltd.
07.2008 - 09.2008
Senior Executive
Bharti Axa Life Insurance Co. Ltd.
03.2008 - 07.2008
Senior Executive
ICICI Prudential Life Insurance Co. Ltd.
08.2006 - 03.2008
Credit Officer
HDFC Bank Ltd
02.2005 - 08.2006
Education
PGDCA - Computer
MCRP University
01.2002
Bachelor of Arts - undefined
Lalit Narayan Mishra University
01.2000
Advance Diploma in Computer & Application - Computer
NICE
01.1998
Skills
- Technology integration expertise
- System optimization
- Product strategy development
- Comprehensive business strategy development
- Effective partner relationship management
- Financial reporting expertise
- Portfolio management
- Strategic project management
- Vendor performance oversight
Certification
Digital Transformation from ISB
Timeline
Head Business Planning - Retail Assets
IndusInd Bank Ltd
03.2025 - Current
Product Lead - Personal Loans
Axis Bank Ltd
05.2019 - 03.2025
Product Manager - Personal Loans & Home Loans
HDFC Bank Ltd
09.2008 - 05.2019
Senior Executive
Fullerton India Ltd.
07.2008 - 09.2008
Senior Executive
Bharti Axa Life Insurance Co. Ltd.
03.2008 - 07.2008
Senior Executive
ICICI Prudential Life Insurance Co. Ltd.
08.2006 - 03.2008
Credit Officer
HDFC Bank Ltd
02.2005 - 08.2006
Bachelor of Arts - undefined
Lalit Narayan Mishra University
Advance Diploma in Computer & Application - Computer
NICE
PGDCA - Computer
MCRP University
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