Mansimran Kaur Girgala
Product Manager in Retail Banking Sector-Business Loan Group
Navi Mumbai
Summary
Results-oriented Product Manager with over 4 years of experience in operations and product management within the retail banking sector in Business Loan Group. Proven expertise in streamlining back-office functions, optimizing processes, and implementing digital solutions to enhance services. Strong collaborator with a track record of delivering operational efficiency, cost reduction, and regulatory compliance in high-volume banking environments.
Diligent Senior Product Manager offering 4 years of success in product roadmap development, market research and data analysis. Highly skilled in identifying opportunities to maximize revenue. Driven and strategic with proven history of superior market penetration and product launch.
Overview
4
4
years of professional experience
4
4
Certifications
4
4
Languages
Work History
Product Manager (M1) – Retail Banking Operations
ICICI Bank
03.2021 - 06.2025
- Led operations transformation projects across PAN India.
- Collaborated with digital teams to automate onboarding flows, increasing monthly activations.
- Coordinated with compliance to workflows, reducing document rejection rate.
- Managed integrations for document verification and backend processing systems.
- Leading team operations, performance reviews, and risk mitigation strategies.
- Acknowledged for delivering PAN India training sessions and leadership excellence.
- Enhancing operational efficiency through streamlining processes and optimizing banking operations.
- Showcasing continuous growth and outstanding performance.
Operations Lead – Retail Banking Operations
ICICI Bank
01.2022 - 01.2025
- Supervised loan processing operations across 60+ zones.
- Reduced TAT from 5 days to 2 days through process automation and queue management.
- Prepared CAM and LSM for PAN India.
- Trained 30+ branch staff in revised workflows and system changes.
- Worked closely with risk, RM’s and compliance teams during RBI audits.
- Optimized Insta Renewal processes to improve operational efficiency.
- Consistently recognized for top performance and leadership.
- Currently leading team operations and performance reviews at ICICI Bank.
- Excelling in managing time, adapting quickly, solving problems, and showcasing leadership and communication skills.
Education
MBA - Marketing
ICFAI Business School
Mumbai01.2021
B.M.S - Marketing
University of Mumbai
01.2019
High School - undefined
Christ Academy
01.2016
Schooling - undefined
St Mary’s Multipurpose High school
01.2014
Skills
Retail Banking Operations
Product vision and strategy
Project planning
Goal setting
Progress monitoring
Timeline management
Teamwork and collaboration
Product strategy
Product Strategy & Execution
Compliance Management
Data Analysis & Reporting (Excel, Power BI)
Operational Risk Assessment
MS Excel (Advanced Functions, Pivot Tables)
Core Banking System (Finacle)
Loan Operations (Disbursement, Monitoring, Repayment)
Regulatory Reporting
Operational Efficiency
Product lifecycle management
Strategic planning
Certification
Digital Marketing – Udemy
Accomplishments
- Secured 1st Position in Academics (2017–18)
- Secured Scholarship in MBA for Top Academic Performance
- Winner of Business Model Competition (2018)
- Star Performer of the Month at ICICI Bank
- Promoted to Senior Manager (M1) in 2025 within 3 years for exceptional performance
- Sustained Top Performance with YOY growth in operations management
Tools & Technologies
Finacle, MS Excel (Advanced), CRM
Timeline
Operations Lead – Retail Banking Operations
ICICI Bank
01.2022 - 01.2025
Product Manager (M1) – Retail Banking Operations
ICICI Bank
03.2021 - 06.2025
B.M.S - Marketing
University of Mumbai
High School - undefined
Christ Academy
Schooling - undefined
St Mary’s Multipurpose High school
MBA - Marketing
ICFAI Business School