Led Product, Engineering & Design teams to architect, build and grow the SALT ecosystem from pre-product stage. Notably:- Designing and enhancing our budgeting tool Passbook, a contextually intelligent NLP chatbot + Account Aggregator-enabled tool for users to track their money flows. The sophisticated categorization model allows users to chat as they would with a friend and have it perfectly categorised for spend insights.- Building a streamlined 100% digital KYC that can be… Show more Led Product, Engineering & Design teams to architect, build and grow the SALT ecosystem from pre-product stage. Notably:- Designing and enhancing our budgeting tool Passbook, a contextually intelligent NLP chatbot + Account Aggregator-enabled tool for users to track their money flows. The sophisticated categorization model allows users to chat as they would with a friend and have it perfectly categorised for spend insights.- Building a streamlined 100% digital KYC that can be completed in <5 mins and a Direct Mutual Funds investment platform via BSE StAR; with proprietary algorithms that curate portfolios for users’ life context and provide AI-powered investment strategies- Developed product retention and organic growth strategies including real-time data-driven retention nudge architecture and prive-action notification systems; owned omnichannel engagement - avg click rates ~24%- Designed "hook" products to drive early engagement and support organic growth and cross-product pollination such as the Money Personality Test, Money Life Choices, and Roast me, Toast me- Unlocked higher AOV users by creating intuitive goal-based flows for saving in 24K Digital Gold via one-time purchases, SIP auto-savings plans, and unique rewards propositions- Own the discovery, commercials and management of key partnerships for product growth and business continuity: payment gateways, API providers, Stock Exchanges, marketing channels, brand collaborations Show less

- Managed the 3rd largest credit card portfolio at Citi India – PnL, key drivers, customer lifecycle engagement and journeys- Received the CEO Award for Impact 2020 awarded by Gonzalo Luchetti, Citi Consumer Banking.Head for APAC and EMEA.- Devised cross-sell propositions that resulted in 20% uplift in card bookings; templatized for other locations to follow - defined the campaign constructs, approval process, commercials & marketing communication- Owned special… Show more - Managed the 3rd largest credit card portfolio at Citi India – PnL, key drivers, customer lifecycle engagement and journeys- Received the CEO Award for Impact 2020 awarded by Gonzalo Luchetti, Citi Consumer Banking.Head for APAC and EMEA.- Devised cross-sell propositions that resulted in 20% uplift in card bookings; templatized for other locations to follow - defined the campaign constructs, approval process, commercials & marketing communication- Owned special Regulatory projects end-to-end across portfolios – scoping to release in strict timelines adhering carefully to the guidelines provided; developed client communication on all such changes Show less

- Designed new digital acquisition strategies for the cross-sell of credit cards to banking segment clients and other existing portfolios.- Client Obsession Head for the India Cards team; spearheaded projects and initiatives aimed at improving customer experience and removing friction points; 30+ projects taken live- India SPOC for cross-regional programs focused on improving customer journeys, digital communication; 35% SEO improvement; 10% increase in engagement on email, push… Show more - Designed new digital acquisition strategies for the cross-sell of credit cards to banking segment clients and other existing portfolios.- Client Obsession Head for the India Cards team; spearheaded projects and initiatives aimed at improving customer experience and removing friction points; 30+ projects taken live- India SPOC for cross-regional programs focused on improving customer journeys, digital communication; 35% SEO improvement; 10% increase in engagement on email, push notifications and social media posts Show less

- Member of the global Citi Client Obsession Academy.- Client Obsession Ambassador for Credit Cards India team.