Sandeep Mallik
Mumbai
Summary
Accomplished leader with a proven track record at Razorpay and HDFC Bank, excelling in product management and portfolio management. Spearheaded the launch of the first Omni channel Bank experience, achieving a 33% growth in aggregator book. Expert in revenue monetization and a skilled people manager, driving significant profitability increases and fostering innovative solutions.
Overview
19
19
years of professional experience
Work History
Director, Customer Solutions and Bank partnerships, Offline BU
Razorpay
10.2022 - Current
- Manage Bank partnerships and their product and solution charter
- Building Omni channel payment experience that was a strong differentiator in the cluttered market
- Launched the first Omni channel Bank experience with the largest private sector Bank in the country
- Leading the UPI charter for offline business
- Built the portfolio management and churn management charter and led it for Razorpay
- Building strong experience differentiators across the POS vertical
- Bringing business acumen and thinking into an essentially a technology company
Product Head, Smarhub Vyapaar
HDFC Bank
04.2019 - 10.2022
- Leading a portfolio of Rs 4 lacs Cr aggregator book
- Books grew by 33% in the period
- Managed the P&L leading to a 35bp increase in the profitability matrix
- Develop propositions for various segments of merchants to ensure rapid digitization of their payment modes
- Craft strategies to include various other form factors like the UPI in one segment to power profitable growth
- Leading Cross-payment charter for the Bank with OPGSP and other Compliance requirements
Assistant General Manager, Pre-Pay Pricing and Customer Value Management (CVM)
Vodafone Idea Limited
01.2015 - 04.2019
- Designed the customer life cycle CVM processes for Vodafone India through decisions based on data analytics, insights, and campaigns
- Used data-driven analytics to maintain market share despite strong price competition where competition introduced data at as low as $0.28 versus Vodafone at $2.5
- Increase in penetration and commercialization of offer search engine on digital mediums of My Vodafone App to ensure a compelling and curated package of telecom, content, and device benefits
- Worked to merge the CVM practices of two companies Vodafone and Idea by identifying the best practices and systems for two large telecom operators in India
Manager, Revenue Enhancement, Punjab & Himachal Pradesh
Vodafone India Limited
08.2013 - 01.2015
- Added Rs 130 Mn to the top line through interventions like upsell of segmented add on packs and tariff rationalization of various packs and services
- Delivered and executed a strategy that arrested declining revenues and market share by focusing on optimal pricing, focus on some key products, and rigorous on-ground execution
- Minimized subscriber churn through a good mix of customer delight initiatives for long term loyalty clubbed with effective analytical modelling on churn prediction
- Formulated and implemented winning acquisition strategies for Vodafone with sharp focus on acquisition costs and quality
Deputy Manager, Post-paid Acquisition
Vodafone India Limited
10.2010 - 08.2013
- Developed the framework for Tier 2 distribution, expanding the post-paid distribution beyond Top 400 cities, leading to post-paid Y-o-Y growths increasing from 7.7% to 12% by 2015 in 5 years
- Developed national post-paid strategy on 'executing the MNP (Mobile number portability) opportunities'
Manager, Portfolio Management
ICICI Bank Credit cards
12.2007 - 10.2010
- Delivered a systematic strategy to deal with dormant customers, derived after rigorous pilots on over 30 campaigns in 6 months
- These campaigns were then automated and delivered a return of Rs 120 Cr for the next 1 year
- Conceptualized and drove a plan to manage the profitable EMI on call and personal customers to ensure that they don’t trip and give a good return on their investment
- Developed EDM as a cost-effective channel to reach out and increase cross-selling across the spectrum
Credit card sales
ICICI Bank Limited
Kolkata
06.2006 - 12.2007
- Leveraged the partner relationships both external (Future, Megamart and others) and internal (Auto loan, personal loan and liability) to increase ICICI Bank sourcing from 9.8k to 48k in a span of 18 months
- Reduced cost of sourcing a card from Rs 1200 to Rs 545 in a span of 6 months
Education
MBA -
Goa Institute of Management
Goa03-2006
Skills
- Product Management
- Portfolio Management
- Revenue monetization
- Solution consulting
- People Manager
- Consumer Value Management
Timeline
Director, Customer Solutions and Bank partnerships, Offline BU
Razorpay
10.2022 - Current
Product Head, Smarhub Vyapaar
HDFC Bank
04.2019 - 10.2022
Assistant General Manager, Pre-Pay Pricing and Customer Value Management (CVM)
Vodafone Idea Limited
01.2015 - 04.2019
Manager, Revenue Enhancement, Punjab & Himachal Pradesh
Vodafone India Limited
08.2013 - 01.2015
Deputy Manager, Post-paid Acquisition
Vodafone India Limited
10.2010 - 08.2013
Manager, Portfolio Management
ICICI Bank Credit cards
12.2007 - 10.2010
Credit card sales
ICICI Bank Limited
06.2006 - 12.2007
MBA -
Goa Institute of Management
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