Tushar Telang
Mumbai
Summary
With over 12 years of experience in Product Management, Business Development, Key Account Management, Alliances, and Project Management within the Digital Payments industry, I have a proven track record in managing diverse products including Payment Gateways, POS, Wallets, Credit & Debit Cards, Prepaid Cards, Commercial Cards, Loyalty Reward Programs, Co-Brand Cards, Merchant Services, and other banking products. My expertise spans multiple geographies including Australia, India, Vietnam, Singapore, and Dubai, where I have successfully led initiatives and built strong relationships with stakeholders across regions."
Overview
12
12
years of professional experience
1
1
Certification
Work History
Product Lead- Credit Cards
YES Bank Ltd
Mumbai
03.2023 - Current
- Leading a team for end-to-end product development and portfolio initiatives for Credit Cards
- Managed regulatory projects such as Re-KYC, inactive customer management (365+ days), Overlimit facility, Limit Enhancement, Upgrades, Retention, Add-on cards, and Dormant customer activity
- Executed product management initiatives and delivered integrations with external stakeholders: MasterCard, VISA, NPCI, Creditas, Karix, etc
- Coordinated with internal teams (Customer Service, Digital Transformation) to meet business requirements
- Onboarded key partners and managed IT integration, commercial negotiations, and agreements
- Collaborated with cross-functional teams to ensure project success
- Driving revenue through credit card products (Upgrades, Limit Enhancements)
- Led campaigns for dormant customer activation to increase spend
- Managed cost tracking and P&L for products
- Built and maintained best practices for system, process, and control
- Ensured compliance with regulatory and internal requirements
Product Lead- Cards & Payment Products
Fly Wallet Pty Ltd
Sydney
03.2022 - 12.2023
- Managing end-to-end product development initiatives, planning and execution for the Australian market, including infrastructure management, technical scoping, and product specification understanding
- Defining product features, benefits, pricing, and terms to maximize customer value and competitiveness using multiple project management tools
- Implemented and maintained product management initiatives, delivering key integrations with external stakeholders in Australia like MasterCard, GBG, Cuscal and more
- Delivered business requirements documents and functional specifications on identified product changes and managing the stakeholders & their sign offs
- Onboarded key partners, managing IT integration, commercial negotiations, agreements, and collaborating with cross-functional teams.
- Worked with network interface specs and ability to use network simulators
Asst Vice President & Product Manager- Credit Card
YES BANK Ltd
Mumbai
09.2019 - 03.2022
- Successfully executed credit card merchant EMI projects, collaborating with cross-functional teams including Risk & Compliance, Marketing, IT, Legal, Policy & sales
- Overseeing marketing and communication for Merchant EMI, as well as managing credit card campaigns with top online and offline brands in India
- Driving visibility through partner
- Executing initiatives to enhance ROI on the platform, setting up SFTP for EMI file transfer, and establishing minimum threshold amounts with top aggregators in India
- Worked on co-branded card offers and launch strategy with key merchants
- Successfully implemented product pricing & positioning strategy with defined SOPs
- Successfully launched VISA & Rupay cards with merchant EMI program and features
- Worked on the Loyalty program to curate best offers for cardholders and planned activities for customer retention and business growth such as accelerated reward program
Strategic Alliance Manager
Axis Bank Ltd
Mumbai
01.2018 - 09.2019
- Developed profitable partnerships with key online and offline partners in Travel, E-commerce, Entertainment, OEMs, and Retail segments to drive spending
- Managed key merchants within these segments to maximize results
- Oversaw properties such as Wednesday Delights and Dining Delights, introduced and executed a Birthday Property with offers for over 800K cardholders monthly
- Working on push provisioning, Accelerated rewards, and Pay by Points programs, Co-branded card offers with key merchants
- Analyzing member data and program performance to identify trends, opportunities, and areas for improvement
- Using data insights to optimize program features and enhance cardholder experiences
- Collaborating with internal stakeholders and external partners, such as merchants and vendors, to develop and maintain mutually beneficial relationships
- Negotiating partnerships and managing contracts to ensure a diverse and attractive range of rewards and benefits for cardholders
- Developing and executing the overall strategy for the card loyalty program, aligning it with the company's objectives and customer needs
- Designed and implemented a comprehensive loyalty program structure, including earning and redemption, benefits, and accelerated reward program
Key Account Manager
HDFC BANK Ltd
Mumbai
08.2015 - 01.2018
- Successfully maintained and managed alliances with aggregators such as CitrusPay, CC Avenue, Techprocess, Atom, Times of Money, Paynear, and Innoviti
- Focused on increasing payment gateway volume through aggregator partnerships & driving revenue growth
- Successfully managed and delivered key projects including White-labeled Education platform, UPI Integration, Rupay Integration, EMI implementation on the platform, and Diners implementation across aggregator platforms
- Responsible for handling the banks west region portfolio of key aggregator partners with aiming to become top acquirer in the country and also be the one-stop solution provider for merchant's
- Coordinated with CPU, Risk, and Operations teams to streamline the on-boarding process, reducing turnaround time for on-boarding and post-modification changes for payment gateway aggregators
- Successfully maintained and managed relationships with networks including NPCI, MasterCard, and Visa
Key Account Manager
Times Of Money Ltd
Mumbai
03.2013 - 04.2015
- Responsible for new merchant acquisition and end to end merchant onboarding
- Establishing and maintaining relationship merchants with develop new channel partnerships
- Client servicing for more than 650 merchants in various segments like Ecommerce, Travel, Insurance & Retail
- Worked on new product plans and implementation for revenue growth
- Worked on developing strategy to target new target segments to acquire merchants
Education
PG DBM -
Welingkars Institute of Management
Mumbai, India01.2014
B. E - Electronics
Ramrao Adik Institute of Technology (D.Y.Patil)
Mumbai, India01.2010
Diploma in Electronics -
Shreeram Polytechnic
Mumbai, India01.2006
Class X -
SSC, Maharashtra Board
Mumbai, India01.2002
Skills
- Payments Industry
- Retail Banking
- FinTech
- Credit & Debit cards
- Merchant Services
- Card Issuing
- Merchant Acquiring
- Payment Products
- Product Management
- Strategic Alliances
- Program Management
- Project Management
- Merchant EMI program
- Reward Program Management
- Key Account Management
Certification
- Won the Golden Trophy for Dinners International cards implementation on aggregators base and contributed 1 Billion $ for HDFC bank.
- Won a reward at Axis Bank for implementing new key initiatives as part of core product team member.
- Won the Trophy for Launching the VISA Credit Card as a part of core product team member & key contributor in YES Bank.
- Recognised for achieving 1 million Credit Cards as a part of core product team member & key contributor in YES Bank.
Timeline
Product Lead- Credit Cards
YES Bank Ltd
03.2023 - Current
Product Lead- Cards & Payment Products
Fly Wallet Pty Ltd
03.2022 - 12.2023
Asst Vice President & Product Manager- Credit Card
YES BANK Ltd
09.2019 - 03.2022
Strategic Alliance Manager
Axis Bank Ltd
01.2018 - 09.2019
Key Account Manager
HDFC BANK Ltd
08.2015 - 01.2018
Key Account Manager
Times Of Money Ltd
03.2013 - 04.2015
PG DBM -
Welingkars Institute of Management
B. E - Electronics
Ramrao Adik Institute of Technology (D.Y.Patil)
Diploma in Electronics -
Shreeram Polytechnic
Class X -
SSC, Maharashtra Board
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