Subbiaa O

• Developed a comprehensive product roadmap, guiding the team toward achieving long-term growth objectives.
• Heading the development and execution of the card strategy.
• Strategic Partnering with Visa for co-brand business credit card issuance.
• Building Strategic partnership with Visa, NPCI and Banks for multiple products like Card issuance, Merchant Acquiring card and offline QR.
• Built the lending product stack for small ticket business loans for merchant segment.
• Work closely with the engineering team to develop and implement innovative card products and features.
• Create and implement marketing strategies that encourage the acquisition and usage of cards.

• Serve as a Solutions leader for card products to Engineering, Operations, Marketing and Customer Support.
• Currently heading the Solutions piece for Credit card products.
• Defining and developing product strategy and feature set aligned to the strategic vision of Jupiter Money.
• Prioritizing the product backlogs.
• Working with the engineering team to make them understand products both functionally and technically.
• Preparing and managing the product's business requirement document including the product's PnL.
• Managing the smooth flow of product and business requirements with technical teams.
• Weekly sync with the stakeholders on the current status of the development and re-prioritizing in case of requirement.
• Interacting with VISA and NPCI for product and business/financial requirement discussion.
• Partnering and negotiating with product partners like Switch vendors and Card perso vendors for integration and cost.
• Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.

• Heading the retail credit card activation portfolio of 40 lakh customers
• Working on strategy and initiatives to bring incremental activation and spending growth to the portfolio
• Analysis of customer base, developing the strategy and implementing the initiative to bring growth and customer stickiness
• Partnering with Alliance, Marketing, analytics, Business intelligence unit and credit policy team to implement the growth strategy including working on campaign cost, pricing, and revenue management
• Developing and implementing a customer engagement program by developing an ecosystem for limit management/increase, active, inactive, and dormant account activation, and upgrades
• Digital products with initiatives for retail credit cards like card control and offer a push-through digital mode
• Reaching out to customers through SMS, email, WhatsApp, and Chatbots for offers and education programs.
• VAS product development for portfolio credit cardholders
• Working with alliance partners for exclusive offers for HDFC Bank credit card customers
• Launching offers to the overall base and selective segmented base like RentPay through Cred, No broker, etc
• Handling beyond the top 20 cities of card issuance for Spending & Activation
• Enhancing user experience by enabling spending avenues in PoS and Ecom
• Data analysis using cubes to create a roadmap for customer spending and activation
• Development and Management of Card features.

• Handling card product workflow
• Creating a roadmap and end-to-end strategic product mapping for cards
• Development and Management of Card features
• Handling bank engagement for the issuance of cards
• Working on credit and prepaid card product development and enhancement
• Partner Management for Card management and issuance
• API-based service enablement.
• Established clear product vision and strategy, aligning business goals with customer needs.

• Product and Project manager for all RuPay Products (Credit, Debit and Prepaid)
• Subject matter expert for Credit, Debit and Prepaid cards.
• Launch of new RuPay Co-branding Scheme and handling of Product Design & Functional integration to go live with banks.
• CUB is the first RuPay JCB Debit card issuing Bank in India.
• Product Feature Designing, P&L and BRD creation for RuPay Forex card by collaborating with CUP Team.
• Subject Matter expert for all new and existing implementations of RuPay Cards.
• Product Feature Designing and BRD creation for RuPay Corporate Card.
• Managing banks for Go live on RuPay product.

• Debit Card New Product Initiative, Implementation & Customer Experience
• Manage the entire product portfolio of RuPay Debit Card, all Insta debit cards for the bank
• US $ 60 Mn Fee income generation and management from all Debit card products
• Manage end-to-end fee income process automation and streamlining of systems
• Analyzing fee income leakage and closure of leakage
• New product development in Debit cards and allied systems.
• Established criteria for each milestone within the product roadmap as means to measure developmental progress.

• Client Management for ATM Managed services, Bid and RFC process management.

• Handling end to product and project delivery for existing and new clients
• Handling a team 10 members for day-to-day development and release activity
• Business requirement document discussion for new requirements and sign-off, solution designing, and requirement analysis
• Budget preparation and finalizing the costing for all new projects and new RFC
• Managing the full project life cycle from requirements gathering to delivery & go live
• For existing clients, managing critical production issues and enhancement requests from the client.

• For Government Banking clients in Tamilnadu.

• Government Banking Clients for Chennai, Vellore, and Kanchipuram region.

• Transaction Banking Operations Head and managing a daily transaction volume of US $ 140 Mn.

• Deputy Branch Manager and managing a team of 4 people.