Summary
Accomplished Product Manager with over 12 years of experience in the Banking and Financial Services industry. Expertise in driving product innovation, optimizing digital banking solutions, and delivering customer-centric strategies to achieve business objectives. Skilled in product lifecycle management, data-driven decision-making, CRM integration, and agile methodologies. Proven success in leading cross-functional teams, enhancing digital adoption, and implementing strategic initiatives to drive growth and improve customer experiences. Recognized for a strong ability to identify market trends, design impactful solutions, and deliver measurable result
Overview
13
13
years of professional experience
1
1
Certification
Work History
Product Manager /Business Analyst – Current Account
AU Small Finance Bank Ltd
12.2022 - Current
- Spearheaded national current account portfolio development for AU Bank, achieving a 24% increase in portfolio size within one year
- Implemented targeted programs and campaigns across multiple channels, resulting in a 25% growth in customer wallet share and a 20% increase in liability growth
- Led direct-to-customer campaigns to boost transaction frequency, elevating the bank's preferred payment method status by 15% year-over-year
- Conducted comprehensive analysis of dormant and inactive accounts, identifying key insights that led to a 6% reactivation rate and increased customer engagement
- Optimized portfolio profitability by 18% through increased product holding and wallet share across CMS, TFx, POS, Cards, and Working Capital products
- Collaborated with senior management across business units, achieving alignment on organizational goals and enhancing cross-functional collaboration
- Conducted impactful training sessions for channels and branches, resulting in significant improvement in customer query resolution and knowledge retention
- Conceptualized and implemented an enhanced online digital journey for product upgrades accessible via mobile banking offer page and chatbot & achieved a significant conversion rate of 12% within a year through optimized user experience and targeted messaging.
Regional Product Manager – Current Account
HDFC Bank Ltd
05.2021 - 12.2022
- Managed Retail Current Account book across 2 regions with 1100 branches, overseeing a cumulative book size exceeding INR 18,000 Cr
- Achieved a notable 33% year-over-year growth in the Current Account Book for the region, surpassing targets and driving substantial portfolio expansion
- Collaborated with branch teams to develop effective acquisition strategies, ensuring quality acquisition to meet budgeted numbers and new acquisition value targets at various levels (Branch/Cluster/Zone)
- Identified gap areas and opportunities to reduce attrition of CA Book Value, resulting in sustained growth in the customer base and overall incremental values
- Fostered strong collaboration with channel and finance stakeholders to develop accurate forecasts, enabling proactive decision-making and resource allocation
- Enhanced SME product offerings by expanding eligibility criteria and introducing new products tailored to diverse customer needs, driving business growth and customer satisfaction
- Improved product performance by conducting extensive market research and competitor analysis.
Corporate Service Excellence & Product Sales Manager (CMS)
Yes Bank Ltd
03.2019 - 05.2021
- Established and managed the API helpdesk, analyzing customer transaction data to resolve issues and improve customer satisfaction
- Developed productivity reports and dashboards for API usage, enabling process optimization and supporting data-driven service improvements
- Worked closely with relationship teams to analyze client transaction patterns, enhancing service offerings to meet client needs and exceed revenue targets
- Trained new team members on company procedures, product offerings, and best practices for successful selling techniques.
Branch Sales Manager
ICICI Bank Ltd
03.2014 - 03.2019
- Analyzed regional market trends and customer behaviour to inform sales strategies, achieving consistent annual portfolio growth of 20%
- Led a team to optimize sales processes, improve cross-sell effectiveness, and increase productivity, directly contributing to branch revenue growth
Sales Development Manager (Bancassurance Channel)
HDFC Life
02.2013 - 02.2014
- Ensured adherence to all sales systems, operational, underwriting, and compliance guidelines & ensure accurate data capture
- Successfully achieved the monthly & yearly targets of Life Insurance in the Bank
- Actively conduct daily sales calls with the PB's and RM's of the bank with the prospective clients
Procurement Analyst
Royal Bank of Scotland
06.2012 - 12.2012
- Reviewed the global contracts of RBS vendors and checked their validation
- Classified the vendors in the categories as per their spending reports and other details
- Coordinated with the Senior General Manager for the queries and maintained follow-up with them
- Prepared Market research reports of suppliers of various sectors like BPO, IT, Telecom, Financial services, etc as per the requirement of SGM's
Education
Product Management Certification course -
01.2022
Master of Management Studies - Finance
01.2012
Bachelor's in Management Studies -
01.2010
Skills
- Product Strategy & Management
- Business Analysis & Data Analytics
- Market Research & Competitive Analysis
- Financial Data Interpretation
- Customer Journey Mapping
- Roadmap Development
- CRM Integration & Customer Retention
- Strategic Planning & Process Optimization
- Agile Methodologies & UAT Testing
- Stakeholder Engagement & Collaboration
- Data Visualization & Reporting
- KPI Definition & Tracking
- User-Centered Design (UCD)
- Leadership
- Creativity
- Problem-Solving
- Product strategy
- Product lifecycle management
Certification
Course in Advance Excel, Academy for Career Excellence, 2007
Timeline
Product Manager /Business Analyst – Current Account - AU Small Finance Bank Ltd
12.2022 - Current
Regional Product Manager – Current Account - HDFC Bank Ltd
05.2021 - 12.2022
Corporate Service Excellence & Product Sales Manager (CMS) - Yes Bank Ltd
03.2019 - 05.2021
Branch Sales Manager - ICICI Bank Ltd
03.2014 - 03.2019
Sales Development Manager (Bancassurance Channel) - HDFC Life
02.2013 - 02.2014
Procurement Analyst - Royal Bank of Scotland
06.2012 - 12.2012
Oriental Institute of Management - Master of Management Studies, Finance
Mumbai University - Bachelor's in Management Studies,
Duke University - Product Management Certification course,
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