Sheetal Silas Harison
Senior Product Manager
Pune
Summary
Results-oriented professional with 10 years of experience in merchant acquiring, payments business, and real estate. Successfully developed and launched merchant acquiring product propositions from scratch. Played a key role in setting up revenue-generating projects for firms. Established strong relationships with CXO level officers of premium organizations and formed alliances with key players in the ecosystem. Proven track record of maximizing existing business by cross-selling and promoting value-added services. Consistently exceeded target goals, developed profitable and productive business relationships, and built an extensive client base, resulting in significant revenue increase. Strong expertise in relationship management and the ability to execute strategies from concept to implementation.
Overview
12
12
years of professional experience
3
3
Languages
6
6
years of post-secondary education
Work History
Senior Product Manager (Senior Cluster Manager - Offline Acquiring)
Bajaj Finance Ltd
Pune
05.2022 - Current
- Managing, conceptualizing, developing & launching best-in-class Merchant Acquisition (Offline EDC Acquiring) product proposition for Bajaj Finance Ltd
- Product Development & Innovation: Spearheading the conceptualization, development, and launch of best-in-class merchant acquisition propositions that drive top-line growth and market leadership
- Market & Competitor Analysis: Conduct in-depth competitor benchmarking and track market trends to inform strategic decisions, staying ahead in the rapidly evolving payments landscape
- Strategic Market Insights: Analyze new-age merchant acquisition opportunities through comprehensive market research, identifying emerging trends to shape product roadmaps
- Partnership & Business Development: Assess and create strategic partnerships within the payment’s ecosystem, unlocking new revenue streams and expanding the merchant base
- Operational Excellence: Lead initiatives to optimize acquisition processes, focusing on improving product and process efficiency, driving profitability, and enhancing commerce volume across merchant outlets
- Cross-functional Leadership: Collaborate with COE, IT, and business teams to draft and implement Business Requirement Documents (BRDs) that define key product capabilities
- Project Management: Oversee end-to-end project execution, ensuring delivery of key product capabilities aligned with expected performance metrics
- Drive adoption and engagement across the business
- Team Leadership & Development: Manage a team of individual contributors, leading them towards both strategic and tactical business objectives while implementing initiatives to boost performance and reduce attrition
- Compliance & Policy Management: Design and implement merchant onboarding policies, ensuring full compliance with regulatory requirements
- Process Monitoring & Optimization: Constantly review operations to ensure minimal errors and losses, ensuring adherence to SLA standards while optimizing processes for digitization and automation
- Innovation & Automation: Continuously generate new ideas to improve digitization and automation, achieving year-on-year productivity and process innovation targets
Senior Business Manager (Merchant Acquiring)
Fiserv India Pvt. Ltd. (ICICI Merchant Services)
Pune
02.2017 - 05.2022
- Managing New Merchant Acquisition through sales of EDC/POS Terminals to all Private Sector, Public Sector & Other Co-Operative Banks customers in Rest of Maharashtra and Goa
- Key Responsibilities: Led new merchant acquisition across Rest of Maharashtra and Goa, focusing on large retail merchants
- Cultivated strong relationships with Zonal and Regional Heads of ICICI Bank and other major banks
- Onboarded multiple large aggregators under the ISO and Payment Facilitator models
- Managed merchant setup, conducted welcome calls, and ensured activation within the first 100 days
- Executed business plans to further strengthen and maximize territory sales and profits.
- Resolved disputes and identified untapped market opportunities through strategic market mapping
- Developed and implemented promotional strategies to enhance market visibility and penetration
- Team Leadership: Managed a team of 75-80 business counselors and sales support staff, overseeing recruitment, selection, and training
- Coached and mentored the team in client prospecting, acquisition, and relationship management
- Ensured counsellor productivity and optimized market mapping for effective beat and route coverage
- Utilized online data mining to focus on new retail client acquisitions
- Achievements: Consistently led the highest revenue-generating region with top installations
- Awarded multiple accolades for key product launches, including IPOS, New Bank EMI, Biller App, and Micro ATM on POS
Deputy Manager (Payment Business – Credit Card Issuance)
HDFC Bank Ltd
Pune
02.2016 - 01.2017
- Managing Marketing and Sales of HDFC Bank Credit Cards through DSA Channel in Maharashtra & Goa
- Effective Communicator: Skilled in relationship management, engaging with stakeholders across all levels
- Channel Partner Management: Identified and developed new and existing partners (DSAs) through training, motivation, and market updates, fostering a win-win situation
- Team Leadership: Led a team of 90 (70 tele-callers, 20 field officers), achieving targets and motivating team performance
- Sales & Marketing: Developed and executed sales/marketing strategies at corporate and tech parks, driving business opportunities
- Achievements: Grew channel partner business by 2x
- Achieved 115% of target in the last two quarters
Associate
Citi Bank NA
Pune
06.2014 - 01.2016
- Managing Marketing and Sales for bank all around Pune and Pimpri Chinchwad
- Acquiring clients through corporate deployments, mall deployments, residential deployment and referrals
- Mainly opening new savings and salary accounts
- Cross selling different retail banking products such as Citibank Credit Cards, Personal Loans, Mortgages and Current Account also
- Building Relationship through meeting new corporate
- Up selling premium products to current customer
Assistant Sales Manager
PropTiger Realty Pvt Ltd
Pune
02.2013 - 04.2014
- Managed Marketing and Sales for company and working all around Pune
- Consulting and advising properties according to customer need and demand
- Initiated post sales services for customer and clients
- Have been effective and contributed regularly
- Have been recognized as the best performer many a times
- Adept at handling multiple clients demands with full customer satisfaction
Summer Intern
Axis Bank Ltd
Pune
05.2012 - 06.2012
- Title: A Comparative Study on Retail Banking Products and Services of Axis Bank and ICICI Bank
- Details: Job entailed working under the Vice President in league with the business development Executives
- Achievements: Opened major accounts of Coop Societies and generated other leads of educational institutions in span of 60 days
- The program was aimed at market research about the customer preference while opening saving account
Education
PGDM - Marketing
ISBS
Pune, India 06.2011 - 04.2013
B.com - Costs & Works
MAEERS Arts, Commerce & Science College (MIT)
Pune, India 01.2007 - 03.2010
HSC - Commerce -
Christ Church Boys' School
Jabalpur 04.2006 - 03.2007
SSC -
Christ Church Boys' School
Jabalpur 04.2024 - 03.2005
Skills
Product Roadmaps
Personal Information
Date of Birth: 09/19/88
Extracurricular Activities
Played district level cricket at school level. Member of the Winning Team for Inter College Cricket Championships in 2008. Participated in other Field & Track events such as Discus and Shot Put in School.
Disclaimer
I hereby declare that this all information furnished in this document is accurate and true to best of Knowledge & Belief.
Accomplishments
Recognized on the Wall of Fame at Bajaj Finance Ltd for outstanding contributions to key projects and business growth initiatives.
Awarded "Heroes" twice in a single year for the successful launch and delivery of the Offline Acquiring project and EDC Go Live, driving impactful results.
Timeline
SSC -
Christ Church Boys' School
04.2024 - 03.2005
Senior Product Manager (Senior Cluster Manager - Offline Acquiring)
Bajaj Finance Ltd
05.2022 - Current
Senior Business Manager (Merchant Acquiring)
Fiserv India Pvt. Ltd. (ICICI Merchant Services)
02.2017 - 05.2022
Deputy Manager (Payment Business – Credit Card Issuance)
HDFC Bank Ltd
02.2016 - 01.2017
Associate
Citi Bank NA
06.2014 - 01.2016
Assistant Sales Manager
PropTiger Realty Pvt Ltd
02.2013 - 04.2014
Summer Intern
Axis Bank Ltd
05.2012 - 06.2012
PGDM - Marketing
ISBS
06.2011 - 04.2013
B.com - Costs & Works
MAEERS Arts, Commerce & Science College (MIT)
01.2007 - 03.2010
HSC - Commerce -
Christ Church Boys' School
04.2006 - 03.2007
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