UDIT KHANNA
Bengaluru
Summary
Results-driven banking and fintech professional with 8+ years of experience in product strategy, transaction banking, API banking, and cash management services. Proven ability to lead cross-functional teams, build scalable digital products, manage high-value portfolios, and drive revenue growth across enterprise and SME segments.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Chief Manager – Product Strategy
ICICI Bank Limited
Bengaluru
04.2024 - Current
- Led the development and enhancement of traditional and digital cash management solutions, including API Banking for the Transaction Banking Group
- Designed end-to-end product journeys for E-Collection, UPI, Payment APIs, and Internet Banking, enhancing customer engagement
- Managed enterprise relationships across Karnataka, West Bengal, and Odisha, with a portfolio exceeding INR 5,000 crore
- Conceptualised and delivered the TxB Guru Chatbot to strengthen internal product knowledge and improve resolution efficiency
- Drove consistent revenue growth through cross-functional collaboration and go-to-market initiatives
Senior Relationship Manager - Product Strategy
ICICI Bank Limited
Bengaluru
04.2021 - 03.2024
- Owned the growth and market penetration strategy for Cash Management Solutions (CMS), spanning Integrated Payment Systems, E-Collections, E-NACH, Payment Gateways, UPI, and API-led transaction banking products
- Drove sustained growth in operational income by expanding and deepening relationships across the NCA and ERV client portfolio
- Positioned CMS as a strategic core offering to strengthen the Bank’s Current Account franchise across corporate and institutional segments
- Led end-to-end product lifecycle initiatives, including product enhancement, new product development, roadmap definition, business case assessment, and go-to-market execution for both traditional CMS and digital/API banking solutions
- Served as a product advisor to Wholesale Banking, CRFG, SME, Capital Markets, and Government clients, aligning solutions with transaction and liquidity needs
- Led and scaled the South Zone CMS team, driving project delivery excellence, governance, and MIS-driven performance management
- Designed and delivered structured CMS training programs for Sales and Service teams, fostering sales capability and driving product adoption
Relationship Manager - Product Strategy
ICICI Bank Limited
Kolkata
04.2019 - 03.2021
- Led client onboarding and executed cross-sell and up-sell of Cash Management Solutions (CMS) in Eastern Zone, enhancing product adoption and increasing wallet share.
- Collaborated with SBH teams to facilitate NCA acquisition and transform client needs into actionable product requirements and enhancements.
- Represented CMS product function in complex client engagements, assisting Account Managers and Branch Managers with solutioning, requirement discovery, and stakeholder alignment across zone.
Assistant Credit Manager – Business Loans
Bajaj Finserv
Vadodara
05.2018 - 03.2019
- Managed SME business loan portfolio, approving loans totalling INR 50 crore annually with 99.98% portfolio health
- Conducted detailed credit assessments and client interactions to deliver customized financial solutions
- Improved loan disbursement turnaround time through process optimization
Education
PGDM - Accounting And Finance
Narsee Monjee Institute of Management Studies
Hyderabad04-2018
Summer Intern -
India Infoline Finance Limited (IIFL)
Hyderabad05-2017
Winter Intern -
Child Rights & You (CRY)
Kolkata02-2017
Articled Assistant - Accounting And Finance
KGRS & Co.
Kolkata02-2015
CA Intermediate - Group I -
Institute of Chartered Accountants of India
Kolkata11-2013
Bachelor of Commerce (Hons) - Accounting And Finance
St. Xavier’s College
Kolkata05-2013
Skills
- Product Strategy & Development
- API Banking & Digital Payments
- Transaction Banking & Cash Management
- Portfolio & Revenue Growth
- Credit Risk Assessment
- Process Optimization
- Team Leadership & Training
- Stakeholder and Client Relationship Management
Languages
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Certification
World Humanitarian Summit Rio+23 Program
Timeline
Chief Manager – Product Strategy
ICICI Bank Limited
04.2024 - Current
Senior Relationship Manager - Product Strategy
ICICI Bank Limited
04.2021 - 03.2024
Relationship Manager - Product Strategy
ICICI Bank Limited
04.2019 - 03.2021
Assistant Credit Manager – Business Loans
Bajaj Finserv
05.2018 - 03.2019
PGDM - Accounting And Finance
Narsee Monjee Institute of Management Studies
Summer Intern -
India Infoline Finance Limited (IIFL)
Winter Intern -
Child Rights & You (CRY)
Articled Assistant - Accounting And Finance
KGRS & Co.
CA Intermediate - Group I -
Institute of Chartered Accountants of India
Bachelor of Commerce (Hons) - Accounting And Finance
St. Xavier’s College