Experience

Beyon Money

• Bahrain
• Financial Services
• 1 - 100 Employee

• Head of Cards & Wallet

  • Nov 2021 - Present

  Building Beyon Money..... Building Beyon Money.....



Batelco

• Bahrain
• Telecommunications
• 700 & Above Employee

• Head of Cards & Wallet | Batelco Finacial Services

  • Nov 2021 - Jan 2022



Boubyan Bank

• Kuwait
• Banking
• 700 & Above Employee

• Head - Emerging Payments

  • Jul 2016 - Oct 2021



MIT Sloan School of Management

• United States
• Higher Education
• 700 & Above Employee

• Management Student

  • 2017 - Aug 2018



Personal time off

• Entertainment Providers
• 1 - 100 Employee

• Took a break and travelled..

  • May 2016 - Jun 2016

  Took a break, Rode Bikes, Travelled...!!! Took a break, Rode Bikes, Travelled...!!!



IndusInd Bank

• India
• Banking
• 700 & Above Employee

• Assistant Vice President 2 - Product - Debit & Prepaid Cards

  • Apr 2014 - May 2016



YES BANK

• India
• Banking
• 700 & Above Employee

• Senior Manager - Cards Product & Portfolio

  • Nov 2012 - Apr 2014



National Payments Corporation Of India (NPCI)

• India
• Financial Services
• 700 & Above Employee

• Product Manager - RuPay

  • Feb 2012 - Nov 2012

  RuPay is India’s first payment card scheme and was launched on 26th-Mar-2012. Was one of the first product mangers for RuPay during the time of its launch.My deliverables included, Brand Enhancement, Product Development, Alliances and Business Development. Accountabilities Preparation of Issuer Implementation Strategy – helping Banks to Onboard & launch cards in a new Scheme. Conceptualizing & Preparing of Branding and Marketing Strategy for RuPay. Preparing readymade… Show more RuPay is India’s first payment card scheme and was launched on 26th-Mar-2012. Was one of the first product mangers for RuPay during the time of its launch.My deliverables included, Brand Enhancement, Product Development, Alliances and Business Development. Accountabilities Preparation of Issuer Implementation Strategy – helping Banks to Onboard & launch cards in a new Scheme. Conceptualizing & Preparing of Branding and Marketing Strategy for RuPay. Preparing readymade Marketing Collaterals for banks inorder to minimize TAT for the launch of cards. Reviewing & Finalizing all Manuals, guidelines and Documents from the business side. Piloting strategic alliances with Insurance and Loyalty Solutions Company. Business mapping and on-boarding bottom of the Pyramid Banks ( who do not have any exposure to card business ) like State Cooperative & District Central Cooperative Banks and handholding them to launch Debit Cards / ATM for their customers. Show less RuPay is India’s first payment card scheme and was launched on 26th-Mar-2012. Was one of the first product mangers for RuPay during the time of its launch.My deliverables included, Brand Enhancement, Product Development, Alliances and Business Development. Accountabilities Preparation of Issuer Implementation Strategy – helping Banks to Onboard & launch cards in a new Scheme. Conceptualizing & Preparing of Branding and Marketing Strategy for RuPay. Preparing readymade… Show more RuPay is India’s first payment card scheme and was launched on 26th-Mar-2012. Was one of the first product mangers for RuPay during the time of its launch.My deliverables included, Brand Enhancement, Product Development, Alliances and Business Development. Accountabilities Preparation of Issuer Implementation Strategy – helping Banks to Onboard & launch cards in a new Scheme. Conceptualizing & Preparing of Branding and Marketing Strategy for RuPay. Preparing readymade Marketing Collaterals for banks inorder to minimize TAT for the launch of cards. Reviewing & Finalizing all Manuals, guidelines and Documents from the business side. Piloting strategic alliances with Insurance and Loyalty Solutions Company. Business mapping and on-boarding bottom of the Pyramid Banks ( who do not have any exposure to card business ) like State Cooperative & District Central Cooperative Banks and handholding them to launch Debit Cards / ATM for their customers. Show less



HDFC Bank

• India
• Banking
• 700 & Above Employee

• Product Manager - Debit Cards

  • Oct 2010 - Feb 2012

  Deliverable has mainly been to undertake activities & projects to achieve the assigned Income lines and monitoring cost lines for the product. These activities would briefly include launching of new cards , designing the issuance & spends strategy for Debit Cards and finally ownership of the product P&L. Launched Insta Debit Cards , Master Platinum Preferred Debit Card and rebranded the existing Regular Debit Card. Alliances with Vendors and marketing of the Product Monitoring Product… Show more Deliverable has mainly been to undertake activities & projects to achieve the assigned Income lines and monitoring cost lines for the product. These activities would briefly include launching of new cards , designing the issuance & spends strategy for Debit Cards and finally ownership of the product P&L. Launched Insta Debit Cards , Master Platinum Preferred Debit Card and rebranded the existing Regular Debit Card. Alliances with Vendors and marketing of the Product Monitoring Product penetration and devising strategies for increasing penetration for increasing CNR by evaluating available opportunities, customer segmentation, competition tracking & ideating new contests/ campaigns in line with the overall product strategy Increase average customer spends on Debit Card by bringing in proper offer and alliances from time to time.. Conceptualization, designing and execution of campaigns/ contests to increase value growth, product activation, value build up, Product penetration, X-sell and Customer net revenue. Meeting with Channel Partners, Branch Banking, sales force and end users to define new product requirements and fulfilling the ultimate objective of a commercially marketable product. Provide analytical support for product development and for existing products to branch channels. Imparting timely training on various products and processes. Product Pricing & Portfolio Profitability - Laying down clear Profitability Parameters & Monitoring Costs Tab on Portfolio Health, analyze trends on inflows/outflows of funds into tactical inputs to drive internal channels/campaigns/business objectives

• Channel Manager - Customer Life Cycle Management & Customer Value Management

  • Jun 2008 - Sep 2010

  Supporting & Managing 3 ( NGCE , CLCM & CVM )Verticals on Key Initiatives & Business Strategies for Customer Retention and driving the successful implementation of Key Strategies/Projects within the businesses in the Bank. Running various campaigns through this channel on different customer segment and providing customer offering basis customer behavior & backed by analytics. Continuous monitoring of channel performance on total cost and income from different heads (X-sell income, Balance… Show more Supporting & Managing 3 ( NGCE , CLCM & CVM )Verticals on Key Initiatives & Business Strategies for Customer Retention and driving the successful implementation of Key Strategies/Projects within the businesses in the Bank. Running various campaigns through this channel on different customer segment and providing customer offering basis customer behavior & backed by analytics. Continuous monitoring of channel performance on total cost and income from different heads (X-sell income, Balance build up income & activation income)

• Management Trainee

  • Jun 2008 - Jun 2009