MANOJ CHANDIRAMANI
Mumbai
Summary
Accomplished financial services professional with expertise in transforming card businesses. Led a revamp of card offerings, achieving a competitive market position and launching five new card variants within two years. Specialises in portfolio management, customer journey design, and optimising rewards frameworks to enhance profitability and governance.
Overview
1
1
Language
12
12
years of professional experience
Work History
Senior Vice President - Cards Product
HSBC India
Mumbai
08.2024 - Current
- Exceeded revenue goals by transforming the Cards P&L and delivering approximately 50% YoY revenue growth.
- Revamped cards proposition, positioning offering among market leaders through innovative features and enhanced customer value.
- Strengthened cards business through strategic execution and customer-centric initiatives, driving consistent growth and market differentiation.
- Launched five new card variants over the past two years, expanding the product portfolio and customer choice.
- Ensured regulatory compliance through robust governance and successful management of internal and external audits, minimising risk and enhancing reputation.
Senior Vice President - Cards Platform Development
HSBC India
Mumbai
12.2022 - 04.2025
- Drove compliant, customer-centric solutions to enhance digital experience and strengthen controls.
- Led delivery of complex transformation projects in payment data localization, mobile customer journeys, third-party API-based verification checks, and regulatory compliance.
- Ensured seamless execution through cross-functional coordination, structured governance, and stakeholder management.
Vice President - Transformation
HSBC India
Mumbai
12.2021 - 12.2022
- Directed cost management for retail banking in India, achieving sustained cost optimisation while implementing transformation initiatives including Aadhaar e-KYC, zero-paper operations, branch digitisation, and Open Banking-enabled acquisition journeys to enhance customer experience.
Vice President - Credit Cards Product
HSBC India
Mumbai
06.2017 - 11.2021
- Scaled monthly card acquisitions from 4K to 20K by building and expanding Digital and TPSA channels, strengthening distribution
Vice President - Customer Experience
HSBC India
Mumbai
10.2014 - 06.2017
- Led governance prioritising customer needs in communications, product/process changes, and fair-value compliance.
- Managed complex initiatives including tablet sourcing, complaint/request systems, Voice of Customer feedback, and process improvements.
Education
Master of Business Administration - Finance & Marketing
IES MCRC
Mumbai01-2011
Skills
- P&L management
- Regulatory compliance
- Product strategy
- Product positioning strategy
- Data-driven decision making
- Performance optimisation
- Strategic planning
- Customer relationship management
Accomplishments
- Best in Class - Cards proposition, Complete revamp of the cards proposition, positioning it among the most competitive offerings in the market
- Exceeding Revenue Goals, Transformed the Cards P&L with 50% YoY revenue growth
- New Card launches, Have successfully launched five new card variants
- Regulatory Excellence, Rounded view of the Business governance excelling in internal and external audits
Custom
https://linkedin.com/in/manojchandiramani-358027b2/?skipredirect=true
Languages
English
Proficient
C2
Hobbies and interests
- Biking
- Fitness
- Automobiles
Timeline
Senior Vice President - Cards Product
HSBC India
08.2024 - Current
Senior Vice President - Cards Platform Development
HSBC India
12.2022 - 04.2025
Vice President - Transformation
HSBC India
12.2021 - 12.2022
Vice President - Credit Cards Product
HSBC India
06.2017 - 11.2021
Vice President - Customer Experience
HSBC India
10.2014 - 06.2017
Master of Business Administration - Finance & Marketing
IES MCRC