Sumeet Kulshreshth

• Recently joined YASH team to build products towards Digital Banking.
• Have been meeting Banks in GCC & USA for the co-creation and ideation for the digital banking product suites and customer journeys.
• Responsible for team development and grooming and drive the ownership towards product P&L.
• Collaborated with Multiple teams to achieve demonstrable product for client meetings

• Leading the transformation of product ideas from their most formidable stages into actionable concepts, timelines, and projects while maintaining a serious consideration of the financial implications, marketing needs, and the overall objectives of the business.
• Manager of the day-to- day execution of all product activities for the purpose of meeting the product and business’s goals.
• Key stakeholder to define Product feature planning and Roadmap vision, recruit and manage product team for various initiatives with multiple digital banks.
• Responsible for managing a process that drives toward a scalable product portfolio that will in turn drive the business product profitability.

Key Initiatives, relationships and accomplishments include:.

• Initiative: Sandbox and licensing for Open Banking at Bahrain with the regulator.
• Completed: Partnership with Open Banking Platform to deliver compliance in the region.
• Accomplished: Digital Banking MVPs and Delivery.
• Agreements with partners for Open Banking and Personal finance management solution.
• Incorporated Spire for Open banking at Bahrain under Aion digital.
• Roadmap for Aion: Retail Banking and Open Banking use cases

• Product Management (Payment and innovation) Responsible for Paytabs Payments products innovation.
• Key stake holder to ensure product growth and innovation strategy in different markets.
• Managing the product in terms of their contribution to the revenue and growth of the organization.
• Also, key stakeholder for delivering product features following the agile methodology, holding Scrum with cross functional team, defining Sprint for successful rollout.
• In charge for getting new partners on board and creating new market opportunities for payment product.

Key Initiatives, relationships and accomplishments include:.

• Improving inhouse process efficiency with implementation of CRM for Merchant onboarding.
• Payment product automation for inhouse teams to improve operational efficiency thereby ensuring better success rate and customer satisfaction.
• Innovative payment solution for MENA region.
• Paytabs Products Conceived: Farapay; GoPay; GoVera.
• Introducing new product lines apps and online for additional revenue streams and driving diversification to Business as usual.

• Responsible for Rationalheads product “Earn Talktime”.
• Conceptualized long-range product roadmaps and strategically designed according to market data and research.
• Stakeholder for the marketing campaigns for the organization such as student brand ambassador, user growth partner and many more.
• Ensuring key alliances and partnerships as required for the organizations business as usual and growth.
• In charge for getting new partners on board and creating new market opportunities for the mobile application & App monetization.
• Achieving operational objectives by contributing information’s and recommendations to strategic plans and reviews.
• Resolving issues and concerns directly or indirectly affecting the program success.
• Oversaw product design and roadmap and coordinated all aspects of development and rollout.

Key Initiatives, relationships and accomplishments include:.

• Driving the app with over 28mn+ installs in India.
• Positive EBITDA of 24% to Rationalheads.
• The app also received an Award “the most used youth centric app of India”.
• Relationship Management with Banks, Bill Aggregators & other payment gateways, Gift card aggregators.
• Owning engagements with app monetization partners contributing to the P&L bottom-line with video, native and interstitial ad aggregators platform.
• Created an ecosystem for advertisers to get engaged users through a digital mobile wallet.
• Strategic partnerships with unicorn Ecommerce – Amazon, Flipkart, Snapdeal, Pine Labs & others to add a parallel sales channel for through the ad-funded virtual wallet platform thereby retaining the top engaged users.
• Indonesia Launch: Conceived and delivered a new market for app; established all relationships in Indonesia.
• Holding events in Singapore, Barcelona (Spain), Cologne (Germany) and India.

• Product, Marketing & Customer Needs- Mobile Wallet & Aircel eMoney, Responsible for the mobile money program at Aircel, SPOC for defining and delivering products that combine an in-depth understanding of the market, competition and consumer need for product areas Mobile Money and Payments.
• Develop and maintain relationships with prospective and existing partners, vendors, Merchants and Billers/Biller Aggregators.
• Develop distribution strategies for products (Mobile Apps, online and retail) Key Initiatives, relationships and accomplishments include:.
• Aggregation of payment services to facilitate Airtime top-up, utility payments, ticketing.
• Product distribution both online and offline.
• Spearheaded the Aircel CISA Audit with RBI for the PPI license and successfully acquired the PPI license in 2015.
• Program SPOC for management with Banks, NPCI, Bill-junction & other payment gateways.
• Key stakeholder to liaison with regulator RBI for license related matters for payment services such as PPI, Payments Bank application to RBI.

• Product & Business Development Mobile Data Product Implemented a mobile driven social network product focusing on developing entertainment community in India.
• Also served as Business Development manager for product distribution to Telco’s, OEMs and hence drive user growth to ibibo.com.
• Followed Agile Development for the mobile product to ensure consistent product modification with respect to the ever-evolving user requirements.
• Managed multiple, large-scale projects across 4 customer sites.

• Mobile Value added Services Served as a single point of contact for all the Pre-sales requirements across 4 geographies for the customers of Tanla solutions, Ensuring solution Delivery to the customer.

• (Product and Pre-Sales) – Mobile Value-added Services Recruited as a Product manager for voice (IVR) based products, Implemented, Defined, and executed Pre- Sales Process in the organization, Recruited and managed a team comprising 4 dedicated Presales resources.
• Ensured that all the IMImobile offices present across APAC, MEA, LATAM are supported through the central Presales team.

• Manager Products – Mobile Value-added Services Joined as one of the founding employees of the startup in the field of Mobile VAS, Managed Products and presales and business development for Telemune across APAC and Caribbean.
• Deployed VAS solutions at Vietnam, Brunei and Jamaica.