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.

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.

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.

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).