Role: Senior Manager, Digital Banking & Payments Build a digital wallet proposition and drive digital payment solutions using mobile channel Managing the entire product line life cycle from strategic planning to tactical activities Responsible for developing the use cases for the mobile platform Working with IT, Front end & Backend development teams on implementation, product setup Conceptualized the digital product offering and successfully launched the mobile app ‘LIME - fresh way to manage the money’, enabling payments, shopping and savings. Managed front end app developer and ensured product is implemented as per the business requirements within the expected timelines Designed and implemented the engagement and activation campaigns/promotional offers to drive downloads of the app Designed the partnership model with CCD and launched CCD Moments app, with Wallet as exclusive payment solution Established the payment reconciliation process with different vendorsRole: Senior Manager, Credit Policy – Credit Card  To define, analyze, implement, & monitor credit risk strategies across products/segments. Responsible for formulating policies and drive implementation of acquisition strategy, line assignment & CLCM strategies for cards portfolio management.  Implemented ‘Blaze – Business Rule Engine’ for decision making in underwriting process. Launched robust applications scorecard and decisioned 100% applications basis app score  Revised credit card issuance policies leading to 300% growth in retail card volumes with key delinquency indicator lower than industry. Re-launched the pre-approved program and rolled out the line assignment basis imputed income from bureau variables Formulation of “Always on” customer management policy under CLCM Manage credit policy for the co-branded credit cards

 Portfolio monitoring to identify key trends in the portfolio & aligning the credit policies Portfolio segmentation into good/bad customers based on delinquency & payment record. Developing a framework to ensure consistent & accurate reporting; portfolio reviews for early risk indicators - more effective portfolio Management. Formulating policies for the post acquisition offering like rewrite, settlement, re-age etc. FPR and process owner for impairment reporting for retail products as per IFRS guidelines. Forecasting the flow rates, bucket balances & impairment numbers for financial planning Developing & simulating the PD and LGD models for secured & unsecured portfolios.