VIPIN YADAV
Thane West
Summary
11 years of experience in Product Launch & Management, Business Development, Process Designing, Digital Journeys and Project Management. Currently a Product Lead (Director) at ZAGGLE Prepaid Ocean Services Limited., Specializing in Cards, Payments and SaaS. Proficient in managing multiple product lines, co-branded partnerships, fintech partnership enablement, analytics, policy and risk management, vendor management, and strategic planning. Proven ability to launch new products and digital journeys, enhance product visibility, drive system developments, and maximize profitability through improved internal controls and efficiency. Expertise in understanding business requirements, building viable solutions, and designing customer experiences. Skilled in driving key projects and enhancing customer acquisition and experience through innovative digital journeys.
Overview
15
15
years of professional experience
Work History
Product Lead – Cards, Payments and SaaS
ZAGGLE Prepaid Ocean Services Limited
09.2022 - Current
- Part of the founding team to launch Credit Cards within Zaggle
- Core member for driving discussions with bank’s for a Co-brand partnership to launch Cobranded - Credit Cards, Prepaid Cards and Commercial Cards
- Build business models with revenue sharing and PnL structure for co -brand arrangements with the banks; with the objective to launch the cobrand product and scale the program.
- Identified and launched new products and partnerships to strengthen existing products and opening additional revenue lines - Health & Wellness program, FD booking through app and Device leasing program
- Create plug and play solutions for banks and corporates which will enable faster go live and/or scalable business volumes
- Develop embedded payment solutions for corporates, banks and end consumers clubbed with highly intuitive and savvy SaaS interfaces
- Managed key relationships with banks, networks, technology vendors and internal stakeholders
- Renegotiated partner agreements and commercials, minimizing cost outgoings, and built technology calendars with tech teams
- Built digital Onboarding journey – modular to cater multiple products within a single application.
- Revisualizing and redesigning Mobile APP – to cater multiple bank products
- Strategic Deliveries:
- Launch of Co-brand Credit Card with Yes Bank (Commercial Cards)
- Won BOB Cards RFP and delivered Zatix platform - Corporate spends management platform, for BOB Cards existing and new clients
- Kotak Bank Zaggle SpendZpro Card – a strategic co-brand partnership with Kotak Bank, production movement in progress
- Launched strategic products through partnerships
- Health & Wellness Benefit (Ekincare)
- Seamless FD booking through Zaggle App (Upswing)
- Device Leasing Program (in partnership with Google and SwissClub)
- Closed Strategic Partnerships – partner evaluation, commercial negotiations and partner finalisation - BRE partner, TSP partner and mobile app partner
Product Manager – Credit Card (Chief Manager)
Kotak Mahindra Bank Ltd.
05.2018 - 09.2022
- Launch new products, features and digital journeys for Credit Card business
- Lead new product/process launches with end-to-end management of P&L approval, stakeholder engagement (ORM, Compliance, Legal, Marketing), creative design, and launch plans.
- Collaborate with policy & credit teams to enhance approval rates and streamline case scrutiny processes.
- Enhance product visibility through cross-sell opportunities, rich creatives, and recurring campaigns.
- Oversee annual budgeting for credit card revenue, analyzing trends and setting targets for future financial years.
- Develop complex solutions involving multiple stakeholders and systems (credit card host, Finacle, payment gateways, etc.).
- Design and launch digital journeys for credit card acquisition, focusing on regulatory compliance and customer experience.
- Deliver end-to-end project management from design to final rollout, including user acceptance testing (UAT) and pilot phases.
- Notable Projects:
- Digital Customer Acquisition Journeys:
- Secured Credit Card Online Journey (10x sourcing lift compared to offline channels)
- Credit Cards STP Journey
- Redesign of the Mobile Banking App – Credit Card section
- Card Control implementation (RBI Circular on Card Transaction Security)
- My Image Credit Card Journey
Product Manager – Gold Loans (Manager)
DCB Bank Ltd.
02.2017 - 04.2018
- Monitor balance sheet and track disbursements, closures, and business growth.
- Analyze business performance against targets and conduct periodic reviews with senior management.
- Evaluate productivity across branches and internal teams.
- Manage daily gold rates and ensure compliance with MTM adherence before rollouts.
- Identify process gaps and implement strategies for process improvement and enhanced customer experience.
- Conduct training sessions for branch staff and stakeholders on product and process knowledge.
Product Manager – Prepaid Cards (M1 band)
ICICI Bank Ltd.
05.2013 - 01.2017
- Develop product visibility through BTL and online campaigns, tracking campaign fulfillment.
- Drive card portfolio usage and spending through promotional campaigns.
- Manage product communications, design, and collateral development.
- Ensure compliance with statutory and management reporting (RBI, Visa) and track business achievements.
- Collaborate with various teams for process approvals, UAT testing, and product design.
- Formulate processes that enhance customer satisfaction, strengthen compliance, and improve turnaround times.
Senior Customer Service Executive
Intelenet Global Services Pvt Ltd
05.2010 - 06.2011
- Address queries from US-based customers regarding healthcare equipment bills.
- Collect payments for outstanding bills and assist in training new hires on processes.
- Achievements:
- Recognized as “Top Performer” in September 2010.
Education
PGDM - Finance
IES MCRC
01.2013
B.Com - undefined
V.E.S College of Arts, Science & Commerce
01.2010
12th Grade - undefined
Swami Vivekanand Junior College
01.2007
10th Grade - undefined
N.M.E.H.S
01.2005
Skills
- Product analytics
- Product vision
- Product strategy
- Product backlog management
- Design thinking
- Go-to-market strategy
- Strategic thinking
- Partnership development
- Product differentiation
LNGG
English
Hindi
Marathi
Timeline
Product Lead – Cards, Payments and SaaS
ZAGGLE Prepaid Ocean Services Limited
09.2022 - Current
Product Manager – Credit Card (Chief Manager)
Kotak Mahindra Bank Ltd.
05.2018 - 09.2022
Product Manager – Gold Loans (Manager)
DCB Bank Ltd.
02.2017 - 04.2018
Product Manager – Prepaid Cards (M1 band)
ICICI Bank Ltd.
05.2013 - 01.2017
Senior Customer Service Executive
Intelenet Global Services Pvt Ltd
05.2010 - 06.2011
B.Com - undefined
V.E.S College of Arts, Science & Commerce
12th Grade - undefined
Swami Vivekanand Junior College
10th Grade - undefined
N.M.E.H.S
PGDM - Finance
IES MCRC
Similar Profiles
Reeth GupteReeth Gupte
Manager Sales Support - Employee Benefits at Zaggle Prepaid Ocean Services LimitedManager Sales Support - Employee Benefits at Zaggle Prepaid Ocean Services Limited
Yash VadgamaYash Vadgama
Assistant Manager - Product Team at Zaggle Prepaid Ocean Services LimitedAssistant Manager - Product Team at Zaggle Prepaid Ocean Services Limited
DEEPAK MENONDEEPAK MENON
Enterprise Sales Manager at Zaggle Prepaid Ocean Services LtdEnterprise Sales Manager at Zaggle Prepaid Ocean Services Ltd
Bhakti GaonkarBhakti Gaonkar
Graphic Illustrator at Kiddopia (Paperboat Apps Pvt Ltd)Graphic Illustrator at Kiddopia (Paperboat Apps Pvt Ltd)
Lalit Vanji MahajanLalit Vanji Mahajan
Centre Head Commercial Banking Group at Axis Bank LtdCentre Head Commercial Banking Group at Axis Bank Ltd