Rangaprasad S

• Contributed as key employee in startup venture for B2B fintech SaaS payment solutions.
  Navigated from go-to-market strategies to product development and fundraising initiatives.
  Owned digital payments platform, ensuring alignment with market competition benchmarks.
  Established strategic partnerships with payment aggregators, processors, and technology service providers.
  Executed customer onboarding activities to enhance user experience and retention.

• Led product ownership for digital lending onboarding system at Perfios, improving efficiency.
  Managed digital journeys across retail, MSME, and agriculture products for banks and financial institutions.
  Streamlined processes to enhance user experience in digital lending solutions. Key deliverables of Product roadmap and backlog management, requirement gathering sessions, user stories creation, , product research, Pre-sales and RFP support, product marketing initiatives
• Led strategic planning initiatives to enhance software development processes.
• Collaborated with cross-functional teams to drive project timelines and deliverables.
• Oversaw budget management for software projects and resource allocation.

• Orchestrated retail lending operations across Karnataka, working closely with zonal and regional heads.
  Steered retail portfolio management for secured and unsecured products, including mortgage and auto loans.
  Implemented strategies for business loans, personal loans, and education loans to drive growth.

Directed BI reporting and automation initiatives across verticals at ICICI Bank.
Created and maintained management reports and visual dashboards for business monitoring.
Supported vertical-specific analytics projects to enhance operational insights.
Oversaw ownership of analytics functions within retail, MSME, corporate, international banking, HR, compliance, and legal sectors.

• Led credit strategy for credit cards portfolio across Karnataka, Tamilnadu, AP & Telangana regions
• Managed credit assessments for loan applications and customer accounts.
• Evaluated creditworthiness using financial statements and credit reports.
• Developed and implemented credit policies to minimize risk exposure.

• Conducted financial analysis and valuation to assess commercial mortgage opportunities

• Reviewed and assessed mortgage proposals for the US market