Running
Niraj Kumar Mall, PMP
Product Leader
Mumbai
Summary
Goal-oriented manager with distinguished experience in Banking and Telecom industries and proven leadership abilities. Expert in increasing productivity and customer satisfaction while driving revenue and sales. Committed to streamlining procedures while optimizing employee talent. I like to work on projects at the intersection of business and technology.
Overview
15
15
years of professional experience
6
6
years of post-secondary education
1
1
Certification
Work History
DVP - Merchant Acquiring
HDFC Bank Ltd
Mumbai
12.2021 - Current
- Managing the product and portfolio of institutional book covering Govt and Educational merchants for both Direct and Aggregator merchants
- Planned interventions to improve portfolio profitability
- Liaison with Card Networks such as Visa,Mastercard,Rupay to ensure compliance of guidelines, and with Fintech partners to bring new and innovative solutions for the market
- Engaged in product development and sales training to enhance acquisition initiatives and raise awareness and revenue
- Respond to RFPs and assist in making customized solutions as per merchant requirement
SVP - Liabilities Product Management
Yes Bank Ltd
Mumbai
01.2017 - 11.2021
- Project Manager for implementing an industry-first product, YES Genie, a machine learning based micro-services led Intelligent Sales Assistant using Agile methodology
- Architect of the new YES Rewardz, a best-in-class Loyalty Program offering, fundamentally changing the positioning of Yes Bank from high interest rate bank to a long-term solutions partner
- Led Direct-to-Customer (D2C) engagement through campaigns for customer acquisition and product xsell
- Developed a robust Customer Value Management (CVM) journey for all retail customers
- Strategized and implemented new strategies and policies using Customer Lifetime Value (CLV), Next Best Action (NBA) to establish long-term business objectives
- Hired and managed employees to maximize productivity while training staff on best practices and protocols
Senior Manager
Flytxt Mobile Solutions
Mumbai
06.2014 - 01.2017
- Managed large accounts such as Vodafone India & provided Consulting services for building an effective CVM framework & thereby helping generate 2.5% incremental revenue each month
- Interacted with Vodafone India CXOs regularly to build and execute business strategy, plan and execute customer campaigns basis micro-segmentation, A/B testing etc
- Successfully sold post-paid proposition to Vodafone India as part of CVM initiatives
- Proposed & implemented Go-to-Market Strategy for 4G launch, Multisim users
- Led team of 12 resources which was involved in campaign execution
- Implemented analytics driven, insights-based approach for campaigns
- Used successful use cases of Vodafone India engagement to garner new businesses in Africa, South America and South east Asia
Manager
Idea Cellular Ltd
Mumbai
05.2009 - 05.2014
- Core member of Project IRIS aimed at enhancing Usage and Retention through CLCM along with McKinsey & Co as consulting partners
- Handled end-to-end Operations, from conceptualization of intents to post launch analysis
- Led implementation of Campaign Manager, a SAS based tool aimed at end-to-end handling of segmented product offerings
- Drove revenue for VAS through proper acquisition planning, coordination with numerous vendors for introducing new products
- Drove Revenue and Gross Activation in the assigned territory, expansion of distribution network.
Education
MBA - General Management
Xavier Institute of Management
Bhubaneswar, Odisha 06.2007 - 03.2009
Bachelor of Technology - Computer Science Engineering
National Institute of Technology (NIT)
Rourkela, Odisha 07.2001 - 05.2005
Skills
PaymentsProject ManagementDigital TransformationCorporate StrategyLoyalty ProgramBusiness ConsultingProduct ManagementData Analytics
Certification
Project Management Professional (PMP) from PMI
Accomplishments
- Received 'Y-Star of the Month' award in Oct'19 for smooth and successful launch of Yes Genie, a Pan Bank Retail Banking Sales Assistant
- Received 'Champion of the Quarter' at Flytxt in Q3FY'16 for successfully defining and implementing the CVM process thereby helping the organization generate incremental revenue
- Received 'Collaboration Award' at Flytxt for cross-functional collaboration in upgrading the NEON platform
- 2 time recipient of 'Appreciation Certificate' at Idea Cellular, first for launching 350 segmented products in a single month, and secondly for successfully implementing third party consent gateway
Additional Education
- Rutgers the State University of New Jersey, New Technologies for Business Leaders, 2021
- Copenhagen Business School, Digital Transformation in Financial Services - 4 part series, 2020-21
- IMS Proschool, Business Analytics, 2019-20
Interests
Timeline
Project Management Professional (PMP) from PMI
02-2023
DVP - Merchant Acquiring
HDFC Bank Ltd
12.2021 - Current
SVP - Liabilities Product Management
Yes Bank Ltd
01.2017 - 11.2021
Senior Manager
Flytxt Mobile Solutions
06.2014 - 01.2017
Manager
Idea Cellular Ltd
05.2009 - 05.2014
MBA - General Management
Xavier Institute of Management
06.2007 - 03.2009
Bachelor of Technology - Computer Science Engineering
National Institute of Technology (NIT)
07.2001 - 05.2005