Kumar Ratnam

Work History

Product Manager

FPL Technologies Pvt Ltd

Pune

10.2022 - Current

Currently, I am part of Enterprise Products Team which involves interacting with partner banks for all aspects of onboarding and post onboarding processes
Discuss requirements with the Banks(6 partner banks) and get it implemented from respective internal teams like technical, underwriting, risk, collection, portfolio, internal product
Creating standard processes for each vertical and checklist for implementation of same
Also, handling overall reporting for all partner banks which includes daily, regulatory and bureau reporting
Usage of various tools like FIGMA, TAIGA for project management and BPMN as per the needs of the project
Managing an internal Technical team of 7 engineers, which creates reporting for bank/internal purposes and decide SPRINT tasks for them, basis usage of AGILE/SCRUM methodology
Part of team for launching and managing Secured Credit Card program with 2 partner banks

Senior Associate

PWC

Pune

07.2022 - 10.2022

Worked on a project to launch credit card for a client
Evaluated the vendors for each process of onboarding and post onboarding journey - digital onboarding, card management service, risk, collection and KYC
Handled the creation of card portfolio, vendor onboarding and research for launch purposes which included identifying target customer segment basis credit score, cities, salary and credit affinity
Created the structure of the entire credit card vertical which involved discussion with HR and creation of job description for each role

Product Manager – Credit Cards

YES Bank

Mumbai

04.2021 - 06.2022

New credit card launch
This card will be the most comprehensive and customizable Credit Card in the Indian Card industry
Handling the implementation of RBI E-mandate guidelines for YES Bank Credit Cards
Launched on 1st Oct’21
More than 50K customers enrolled till date with business volume generated up to INR 3 cr
Handling the implementation of Card-on-file tokenization for YES Bank Credit Cards
Launching Virtual Credit Card and Instant Credit Card on YES Bank Digital platforms
Streamlining YES Bank Credit Card website and user journey
Developing new credit card onboarding journey via Digital Channels

Senior Product Manager – Debit Cards

Kotak Mahindra Bank

Mumbai

01.2019 - 04.2021

New Card Launch
Product Manager of Kotak PVR Co-Brand Debit Card
Handled the complete project end to end
I was Involved in liaising with external partner and internal stakeholders such as Operations, Risk, Legal, Compliance, BSG, IT and Customer Care
Portfolio Analysis
Handled Business Debit Cards portfolio, so as to increase the card usage, card activation and profitability
Carried out various campaigns in collaboration with Alliance, Marketing, Legal and Compliance, resulting in increased card spends and transactions
Card issuance increased by 50% and portfolio size increased by 30% in 1 year
Managed VISA Business Offers and campaigns
Tokenization
Carried out tokenization for Kotak Debit Cards on service provider apps like Google Pay and JioPay
Launched Google Pay Tokenization in Oct 2020 and JioPay in Feb 2021
Risk Based Authentication
With RBA, customers can complete their online payments without OTP on various selected e-commerce merchants from their Debit Cards for a certain value of transactions
Virtual Debit Card - Overdraft Accounts
Virtual Card for customers having Overdraft Accounts
Involved in creation of product notes, launch campaigns and testing

Product & Portfolio Manager - Digital Banking

HDFC Bank

Mumbai

09.2017 - 01.2019

Net Banking Portfolio Analysis
Responsible for NB usage and NB Financial usage on Overall portfolio
Managed NB Product life cycle
Usage increased from 30% to 42% in one year
In depth Portfolio Analysis, to provide strategic insights and actionable to the Branches and Product teams
Attrition and Win Back Analysis
Managed end-to-end Real time analytics enhancement inside NB portal to reduce attrition and improve customer’s online experience
Triggers and Migration Campaigns
Launched campaigns to migrate customers to online channels
End to end execution of all campaigns for new activations, attrition, retention, cross sell etc
Customer Communication and Surveys
Communicated NB features, Offers, Digital innovations and other such updates to customers
Carried out survey on internal customers

Relationship Manager- Merchant Acquiring - Digital Payments

HDFC Bank

Pune

05.2016 - 09.2017

On-boarded Customers from various segments (Education, Government, Hospital, Hotels, Society, Clubs, Corporate Firms) for accepting Digital Payments through Payment Gateways
Income generated through Merchant Discount Rate (MDR), Annual Maintenance Charge (AMC) and Integration fee
Handled 4 clusters in and around Pune which comprised a total of 48 branches
Coordinated with Branch Managers and Cluster Heads to drive the Bank initiatives in the region

Team Lead - Customer Service Consultant

FirstCry.com

Pune

12.2011 - 12.2013

Handled team of 12, which included 2 process leads and 10 executives
Analyzed customer feedback and complaints to remove glitches and improve existing process
Operational Analysis to improve overall customer experience - from ordering to delivery
Handled Company’s social media account - Facebook & Twitter

Summary

Overview

Work History

Product Manager

Senior Associate

Product Manager – Credit Cards

Senior Product Manager – Debit Cards

Product & Portfolio Manager - Digital Banking

Relationship Manager- Merchant Acquiring - Digital Payments

Team Lead - Customer Service Consultant

Education

PGDM - Banking & Financial Services

B.E. - Electronics and Telecommunications

HSC -

SSC -

Skills

Personal Information

Timeline

Similar Profiles

Hamida AliHamida Ali

NAVEEN ILAGERNAVEEN ILAGER

Aniket TurkarAniket Turkar