Building Unplex, a single payments experience for Expats. Get early access at https://unplex.app

Bakedemy is India's first & only online academy that provides a 360-degree learning programme to students, focusing on baking, cake decorating, and growing a business. Top award-winning chefs and baking artists have joined hands together intending to transform thousands of aspiring home bakers into professional home bakers.

• Understanding market requirements for new digital financial offerings and features to support existing credit products - vis-à-vis customers, partners, competitors, regulators, etc.• Scoping out and creating business requirements• Collaborate with stakeholders (Engineering, Compliance, Risk, Marketing, Finance, etc.) to finalize business and technical requirements, and to build product functionality• Leading the launch of the new product functionality, including testing, scaling, defining and tracking key performance metrics, and iterating to improve propositions• ‘Fronting up’ projects and commercial implications, by delivering updates to key stakeholders,building P&Ls, reporting on P&L impact and contributing to product strategy• Sourcing and developing strategic partnerships (together with our Partnerships team) to support propositions or functionality• Researched, identified, evaluated and implemented changes required in the cards payments journey to be PSD2 compliant. • Identified and implemented improvements in the loan application experience in mobile app and website, delivering increemental value of a million pounds.• Led the selection process of an alternative open banking data provider, resulting into a saving of over a million pounds.• Lead and implemented a cross-functional Business Excellence Quality Program across the organization.

NriDealExpert.com (part of Home Ties Ltd) is a financial marketplace for Indians expats living around the world (#NRIs), helping them find the best deal through an unbiased and comprehensive comparison of India linked products and services (NRI Savings Accounts, Fixed Deposits, Money Transfer to India, NRI Home Loans, Share trading platforms, etc).

• Lead Installment Financing, Shop with American Express Points programs and Moneystore (Third party financial products) to grow the portfolio, improve customer experience and generate incremental sales.• Developed and launched Pay Monthly, a point of sale purchase finance instalments program in partnership with an external partner. - Designed different building blocks for the launch of Pay Monthly (business case, competitor mapping, pricing model, web customer experience, marketing & targeting framework, integration with Amazon’s pre-shipment, ordering and post-shipment processes and customer service approach across channels. - Ran RFP and negotiated contract with external partners for Pay Monthly - Conceptualised and executed multiple A-B tests with different promotions and product features to measure customer and incremental revenue sensitivity against costs. - Secured funds from retail categories and vendors to test and offer interest-free instalments.• Contributed to the acquisition and wind down of UK Co-Brand Credit Card program in 2014 by opening new acquisition channels, developing and executing the wind-down plan.

• Lead the commercial delivery of £4 billion retail consumer liabilities (current, savings and fixed rate accounts), £6 million of top line and digital marketing across online and branch banking channels.• Designed and executed strategic framework to support product performance involving optimal mix of products, pricing, customers, marketing and distribution channels• Conceptualised, developed and managed products to address changes in customer behavior, competition and business objectives (investments, travel money, travel pre-paid, debit cards, credit cards and international payments).• Conceptualised and drove promotions through effective mix of digital and offline media.• Designed and lead activation, upgrade and retention campaigns to maximize product profitability – Helped retain over 60% of fixed deposits and halved deposit acquisition cost • Created and managed internal and third party relationships to ensure product delivery • Improved customer experience across channels throughout the customer life cycle• Designed, reviewed and enhanced policies to support business strategies• Ran special projects & initiatives across Retail Banking Group for the Bank• Optimised cost of funds for deposits by a third by changing the mix of the savings & fixed deposits• Played a pivotal role in securing “Best Savings Provider” award for the Bank consecutively over last 5 years• Undertook various cost saving initiatives resulting into savings of over million dollars

• Measured and monitored performance of various individuals and SBUs of Transaction Banking• Played a key role in indentifying opportunities for efficiency improvements• Lead a team of 20 people

• Managed Payments & Cash Management portfolio worth US$ 9 billion• Designed, managed and enhanced multi line collections and payment products• Driven commercial performance by identifying revenue uplift opportunities and ensuring product profitability through the life cycle• Worked closely with Product Sales Managers to structure solutions tailored to client specific needs• Provided ongoing product sales support and training to the Product Sales Managers• Increased awareness of Cash Management solutions through marketing & sales campaigns• Managed all aspects of the product life cycle including strategic & budget planning, documentation, market research, business analytics, communication strategy and processes• Created, reviewed and enhanced price calculators to add more flexibility to the pricing• Lead a team of 2 assistant product managers