Harshit Agarwal Email & Phone Number

Gurugram, Haryana, India

➡ Responsible for launching new co-branded EMI Credit Card in partnership with Unity Small Finance Bank (go-live expected in Sept'24)➡ Launched DSA loans on postpe in partnership with L&T Consumer Finance & CASHe • 16 cr+ monthly disbursals in Feb'24 from ineligible base • Increase funnel approval rate from 6% in April'23 to 13% in Feb'24➡ New BRE implementation on Scienaptic to improve default rates and 1% incremental approvals in non-carded segment. ➡ Stakeholder management for risk and collection teams and responsible for managing development cycle with different services internally such as payment gateway, notification service, SMS service, KYC service etc.

Delhi, India

➡ Digital Card Launched: • Expanded top-of-funnel, increasing accessibility by 4x. • Onboarding funnel improvement: success conversion rates increased from 45% to 92% • Customer activation timeline reduced from 5 days to day 1 • TPV Booster : An incremental rise in payment volume of 60 crore / month. 500 cr+ AUM in a June'22.➡ Customer pain points identified through VOCs & escalation tickets - Drastic reduction in tickets from over 800 to Less than 50/month.➡ Made the product regulatory compliant with latest RBI Credit Card Guidelines (July 2022).➡ Made the product regulatory compliant with Digital Lending Guidelines (Oct 2022).➡ Closed the product with <2.5 % NPA and written off the pending AUM to asset reconstruction company in Mar'23.

Mumbai, Maharashtra

➡ Credit Access: Introduced a Novel Solution (FlexiPay) for 10 Million HDFC Bank debit cardholders.➡ Led direct & indirect integration with key ECOM players and 7+ offline and online payment gateways resulting in Expanded Distribution Channels and Accelerated Product Adoption.➡ Managed key alliances with industry leaders including Myntra, Reliance, and Shoppers Stop: orchestrating strategic Go-to-Market Strategy for product rollout.➡ Lifestyle Category Penetration Surged from < 1% in 2020 to approximately 5% in 2021.➡ Designed Co-Funded & self funded cashback programs with partners, enhancing customer delights during festive season. Also adding up to 10x uptake in BAU revenue for our partners.Where did i drop the journey?➡ Outlined product roadmap for Q4'21, prioritising Integration with PayZapp to enhance product experience and facilitate QR-based transactions.➡ Product Journey modification to enable PAN Card + OTP-Based Checkout, streamlining the user experience.

Gurgaon, India

➡ Product Decisioning [UI/UX] of consumer facing “ePayLater” app, website & dashboards.➡ Deployed a Merchant Dashboard App (similar to likes of PayTM business and BharatPe now).➡ Conceptualised & Designed MVP Screens for web-based retail shopping platform, enabling credit line transactions for shopping at Kirana Stores, Hotels, and Restaurants (HORECA), akin to platforms like Blinkit and Swiggy Instamart (approximately 6 months of next development roadmap).➡ Designed customer journeys, information & process flows and worked with CPO to build the developer ready designs.➡ Established Unified Design Language across app, web, and marketing channels.