Head of Product

• Jul 2022 - Present

Senior Product Manager

• Aug 2018 - Jul 2022

Managing retail products including Liabilities, Remittance and Internet Banking.

Senior Product Manager

• Feb 2018 - Aug 2018

Product Manager

• Apr 2017 - Jan 2018

Senior Product Analyst

• Jan 2016 - Nov 2016

• Managing fraud product for issuing and acquiring clients • Identifying new opportunities to grow switching and ATM business • Model business cases for investment in new product initiatives • Re-pricing existing merchants to drive profitability enhancements • Competitor/market analysis to deliver key insights that drive management decisions • Identifying process improvement opportunities to improve business performance •Part of key projects including digital enablement program for issuers/acquirers •Conducted research with customers, partners and key stakeholders to understand customer needs and new product/technology concepts Show less

Product Manager

• May 2012 - Sep 2015

•Responsible for managing & driving complex, high priority revenue generating and strategic projects for retail products across all channels•Presenting new product/project initiatives and regular updates to Board Members and Senior Management•Identifying the risks associated with the projects and ensuring respective mitigants are in place •Monitor performance to ensure Products remain competitive and delivers the agreed revenue and business benefits•Identifying opportunities for increasing revenue and ensuring product profitability through new tie-ups with external UK entities and managing relationships with existing external vendors•Launched Mobile App for International Money transfers and defined UI•Responsible for all the content on the ICICI Bank website, Internet Banking desktop site and the mobile app•Use of Google analytics to identify areas for improvement within customer journey•Formulation of marketing strategies, budgets and plans •Managed relationships with affiliates – moneysupermarket, moneysavingexpert, compareholidaymoney, and more •Worked with complaints team to identify products/processes improvement to enhance customer experience •Negotiate service and technology contracts with third party vendors•Ensuring continuous improvement in customer experience by introducing new technology initiatives •Analyzing industry trends and latest developments, propose opportunities for enhancement, ensuring product competitiveness in financial sector•Ensuring all products and services are operating within the UK regulatory guidelines•Ensuring all product activities and promotions are TCF (Treat Customer Fairly) compliant •Ensure continuous knowledge transfer to all stakeholders involved in the day-to-day activities of the product and project management•Ensure compliance to PCIDSS requirements Show less

Business Development Officer – Business Banking

• Mar 2012 - May 2012

•Build and maintain relationship with existing branch customers and walk-ins•Service customer enquiries, determine customer needs and provide solutions with regards to their banking requirements•Calling prospective customers and booking appointments•Zero percent rejection in Account opening forms and customer complaint closures•Processing customer’s cash and account transactions in the branch•Booking appointments with potential SME clients and looking for cross sell opportunities •Facilitating trade transactions for existing SME customers•Implementation of sales and marketing plans aimed at promoting products and services to clients•Feedback to product team on improvements on product proposition in line with market competition •Actively involved in system integration testing with the project team before user go live Show less

Associate Relationship Manager - Emerging Corporate Group

• Dec 2010 - Nov 2011

•Acquiring new clients for the Bank which includes individual as well as company accounts. •Generating income for business by advising customers on various Trade and Forex Transactions. •Handling all the transactions for the exporters and importers including Forex Rate Booking for the remittance, Paper work for BRC’s, FIRC’s etc. •Providing services like Forward Booking for Exporters and Importers. •Providing services like Buyer’s Credit for Importers. •Regularly reviewed performance against target focusing on new business acquisition. •Worked in partnership with the Area Manager to identify the areas near the branch, which could have high business potential. •Activities like Cold Calling exercise to tap the potential customers nearby the branch. •Organized various events to promote the services of the Bank such as road shows, seminars etc. •Assisted other ARM’s with ongoing learning and coached them to identify customer needs and book them in to help them achieve their goals. •Area mapping activities to find out the potential areas for business. •Handling Asset products like Credit Cards, Loan Against Property, and Home Loans etc. Show less

Assistant Cluster Development Manager

• Jun 2010 - Dec 2010

• Generating revenue for the company by building relationship with PSU Banks and getting aligned SMEs portfolio rated • Direct interaction via presentation with the SMEs, explaining benefits of credit rating and get them SMERA rated • Planning and implementing Marketing activities for the location to build market presence • Organizing Events like business meets and corporate Seminars involving Banks and SMEs officials for marketing SMERA products • Generating revenue for the company by building relationship with PSU Banks and getting aligned SMEs portfolio rated • Direct interaction via presentation with the SMEs, explaining benefits of credit rating and get them SMERA rated • Planning and implementing Marketing activities for the location to build market presence • Organizing Events like business meets and corporate Seminars involving Banks and SMEs officials for marketing SMERA products

Acquisition Manager

• May 2008 - May 2010

• Managing a team of acquisition managers • Providing leads for new account acquisition • Preparing sales and sales related reports including daily call reports, weekly reports, sales projection report, monthly sales plan etc • Plan and budget revenue generation for the week and month • Contribute to sales strategy and generate ideas for revenue maximization • Preparing client proposals, presentations • Handling large accounts created through lead generation & database • Cross selling the Deutsche Banking account to clients • Acquiring new HNI Clients for selling of platinum cards for retail sales through the Delhi, NCR region. • Managing the existing clients for developing healthy relationship along with generating new prospects Show less