VIJETA PANDEY
Senior Banking Professional
Gurugram,Haryana
Summary
Dynamic and Seasoned Banking and Fintech Product Leader with 14+ years of experience driving product management, innovation, digital banking , liabilities , transformation, customer onboarding, and process automation across leading financial institutions. Proven track record in scaling digital products, optimizing P&L, and leading cross-functional teams. Expert in API banking, agile methodologies, and regulatory compliance, with expertise in building customer-centric solutions for mobile and web platforms.
Overview
15
15
years of professional experience
33
33
years of post-secondary education
Work History
Vice President- Project Management - Digital Products
IndusInd Bank
Gurugram
04.2024 - Current
- Company Overview: IndusInd Bank is a leading financial institution providing a range of banking services
- Managing end to end digital project management function for the bank - Ideation to delivery for Revamped portal of wealth management, Net Banking and Mobile Banking within the budgeted cost, timeline and phases
- Within 9 months delivered 6 critical projects for the bank including Gift city app, Revamped channels, CBDC & Regulatory projects
- Managed migration strategy and execution of customers from old banking portals to newly revamped channels
- Adhering to the compliance while building products
- Conducts the PPACs meetings, Agile ceremonies, creates functional and non functional documents like BRD & SOP
- Team management - Managing a 12 member team (including PM, BA & QA), streamlined project lifecycle processes, enhancing efficiency by 25%
- Coaches the team for optimized performance, ensures team members are clear with their respective goals
- Stakeholder management - Closely coordinates with several department of the bank like - Internal - Tech, Compliance, Risk, Business, Operations, Solution Architect, Performance testing, Support functions, Product functions, HR, CISO, Auditor, etc
- External stakeholders - Vendors, Auditors
- Innovation - Present to management & drive innovative ideas backed with use cases, cost benefit analysis & market research
- Monitor the key KPIs of bank's app/other digital channel and ensures its always optimized
- Customer experience - Ensuring complaints are resolved within TAT, classifying RCA of the issues for better closure and tracking
- Directed diverse teams to complete significant projects, enhancing efficiency and client satisfaction.
- IndusInd Bank is a leading financial institution providing a range of banking services
AVP- Product Owner Wholesale Banking - Mobile Banking Solution
Mashreq Bank
Dubai
05.2023 - 04.2024
- Company Overview: Mashreq is one of the UAE's leading financial institutions providing banking and financial services to millions of customers and businesses since 1967
- Leading 0 to 1 product establishments for UAE and all international markets of the Bank (Kuwait, Bahrain, Hong Kong, London, New York, Egypt)
- Builds product strategies & roadmaps
- Monitors digital adoption and key metrics - DAU, MAU, App response time, app downloads, logins, etc
- Agile sprint plannings, DSM, backlog grooming, prioritization, Scrum of Scrums
- Writes concise User stories and acceptance criteria to communicate and collaborate with the technology team
- Ensures the squad (comprising tech resources like developers, designers, BA) is always aligned with product roadmap and goals
- Proactively identifies highlights the blockers to relevant stakeholders to ensure the product roadmap is executed as planned
- Automating processes via STPs
- Mobile banking solutions and innovations - Intuitive and seamless mobile journeys for both Customers and Sales team
- Strategies to leverage platforms
- Mashreq is one of the UAE's leading financial institutions providing banking and financial services to millions of customers and businesses since 1967
Product Head - Banking Products
Airtel Payments Bank
New Delhi
06.2022 - 05.2023
- Company Overview: India's 1st payment bank, strength of ~122 Mn users, 29 mn MTU
- Fastest growing underbanked brand - emerging as bank of choice for TIER II & III cities
- Product Management & innovations- Manages entire product lifecycle with a team of 7 Product Managers as direct reportees
- Defines business requirement & work with technology teams to launch product offerings via liaison with Internal & External partners
- Manages the scoping and enhancements for existing products via Agile method for both web and mobile app
- Define and maintain product strategy, product revenue, market adoption, portfolio management & penetration goals
- Designing intuitive product journeys for both mobile and web applications, analyzing funnel, drop off journeys and app state codes for a better customer experience and conversion
- Ideates & innovate with strong execution capabilities under tight timelines
- Carving WhatsApp banking solutions
- Personalized banking products for customers
- Process automation
- Launch of Face auth based customer onboarding (in liaison with UIDAI) - An industry wide innovation, an effective tool for user authentication during onboarding
- Brings innovative digitized onboarding and KYC solution for customers within regulatory purview
- Maximum SBA customers Onboarding - ~ 27000 SBA customers onboarded daily
- Ensure optimized funnel through platform stability of the bank
- Manages the P&L responsibility (including increasing revenue through transactions, book build up, reducing costs, increasing activation rates etc.)
- SPOC to key stakeholders & regulators - UIDAI, RBI, NSDL & Tech Partners
- Developing and updating procedures, policies, controls and monitoring plans for liabilities business
- Chalks various consumer propositions and product bundling for increasing financial awareness among the underbanked
- India's 1st payment bank, strength of ~122 Mn users, 29 mn MTU
- Fastest growing underbanked brand - emerging as bank of choice for TIER II & III cities
Product Manager - Deposits
PNB Housing Finance Limited
New Delhi
01.2014 - 06.2022
- Company Overview: 4th largest Housing Finance Company in terms of Loan book size and 3rd in terms of deposits
- Expanded deposit book from INR 1700 Cr to INR 17129 Cr over 8 years
- Developed and executed product strategies, conducted BRD and UAT, and ensured product compliance with RBI & NHB regulations
- Strengthened the distributor network from 300 to 15,000 partners nationwide, driving significant revenue growth
- Enhanced digital onboarding and KYC processes, integrating API solutions with business partners
- 4th largest Housing Finance Company in terms of Loan book size and 3rd in terms of deposits
Manager - Financial Products - Management & Distribution
RR Finance
02.2010 - 01.2014
- Company Overview: RR Finance is involved in the distribution and management of financial products
- Looked after Distribution, Operations, Coordination and Development of Mutual Fund, Corporate Fixed Deposit, Primary Bonds, NCD & IPOs with a team of 6 subordinates
- Managed more than 100 IPOs, including India's one of largest IPO - Coal India Limited
- Had been a part of lead management team for several Public NCD & Primary Public & Private placement of Tax-free bond issues
- Pan India Distribution and Development of Financial products like IPO, NCD, Bonds, Mutual Fund & Fixed Deposits
- RR Finance is involved in the distribution and management of financial products
Education
PGDBM - Finance
Ishan Institute of Management & Technology
Greater Noida 07.2008 - 06.2025
B.Com. -
Vinoba Bhave University
Jharkhand 06.2005 - 06.2008
Class XII -
C.B.S.E. Board
Jharkhand 06.2003 - 06.2005
Class X -
C.B.S.E. Board
06.1993 - 01.2003
E- MDP - Fintech
IIM Kozhikode
01.2022 - 01.2023
Skills
- Product management
- Customer Onboarding
- KYC solutions
- Digital banking
- Automation
- Audit
- Regulation
- Compliance
- Agile tools
- JIRA
- Microsoft ADO
- Leadership
- Strong communication
- Time management
- Stakeholder management
- Platform
- Primary Issue Coordination
- Product training
Additionalprofessionaldevelopment
- E- MDP on Fintech, IIM Kozhikode, 2023
- NISM - Series - V - A - Mutual Fund Distribution Certification, 03/01/21
- Agile project management, Project delivery course, Udemy, 09/01/21
Awardsandextracurricular
- Founder - Women on Wheels Cycling Club (WOW) - Noida, Gautam Buddh Nagar.
- Founding team member - Indian Financial Forum.
- Won National Badminton title in PNB Housing Badminton Tournament for both year 2017 & 2018.
- Part of diversity club member in PNB Housing Finance Ltd.
- Part of Peer 2 Peer Help, NGO which extends educational help to the under privileged.
Linkedinprofile
https://www.linkedin.com/in/vijeta-pandey-a84a972b/
Locationpreference
- Delhi, NCR
- Bangalore, Karnataka
- Hyderabad, Telangana
- Mumbai, Maharashtra
- Pune, Maharashtra
Personal Information
- Date of Birth: 07/01/87
- Marital Status: Married
Latestupskilling
Fintech eMDP program, IIM Kozhikode, 2022-2023
Timeline
Vice President- Project Management - Digital Products
IndusInd Bank
04.2024 - Current
AVP- Product Owner Wholesale Banking - Mobile Banking Solution
Mashreq Bank
05.2023 - 04.2024
Product Head - Banking Products
Airtel Payments Bank
06.2022 - 05.2023
E- MDP - Fintech
IIM Kozhikode
01.2022 - 01.2023
Product Manager - Deposits
PNB Housing Finance Limited
01.2014 - 06.2022
Manager - Financial Products - Management & Distribution
RR Finance
02.2010 - 01.2014
PGDBM - Finance
Ishan Institute of Management & Technology
07.2008 - 06.2025
B.Com. -
Vinoba Bhave University
06.2005 - 06.2008
Class XII -
C.B.S.E. Board
06.2003 - 06.2005
Class X -
C.B.S.E. Board
06.1993 - 01.2003
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