Monisha Gupta Email & Phone Number

Boston, Ma, Us

New York, Ny, Us

Boston, Ma, Us

Boston, Ma, Us

• Managing debit card product portfolio and overseeing team working on debit card related initiatives – data reporting & analytics, process improvement, reducing card delivery SLAs, improving customer address quality, along with conducting root cause analysis for known issues• Managing MasterCard network brand relationship to identify key partnership opportunities

Boston, Ma, Us

• Managing P&L for consumer and business debit card portfolio generating high annual revenue• Partnering with Deposits Product, Finance, Fraud, Operations, Marketing, Risk, Digital, IT and Customer Experience as key stakeholders to manage the product and improve processes• Collaborating with MasterCard to identify opportunities within the portfolio to improve key KPIs and apply additional segmentation analysis to drive profitability

Boston, Ma, Us

• Optimizing and managing pricing for Consumer Deposits, Business Deposits, Consumer Lending, and Credit Cards through pricing analysis on new accounts and changing pricing on existing accounts• Managing reporting, controls, governance, and exceptions for pricing

Boston, Ma, Us

• Leading and managing end to end debit & credit card campaigns – includes creating the strategy for the campaign, marketing creative, offer duration, targeting, selection and customer mailing • Liaising with all channels (Online, Branch, Telemarketing & Call Center) & analyzing impact of different campaigns to identify continuous source of leads to drive customer spending• Managing the credit & debit rewards portals – includes vendor relationship, customer engagement and developing strategies to increase spend by merchant funded rewards campaigns• Analyzing the rewards program including usage, redemption rates, revenue sources and cost to maintain – resulting in a $750K positive impact to the P&L in Q3 2015• Vendor Management – includes managing vendor relationships such as MasterCard, Debit Rewards & Credit Rewards vendor• Managing and driving new initiatives within Cards – moving to a new debit rewards platform, EMV for debit & credit cards, RFQ/RFP processes for negotiating new contracts, selecting new vendor and new rewards programs• Customer experience – manage customer issues and work closely with IT/Operations to determine resolutions, self-identify issues and build remediation processes• Fraud and Compliance – Monitor fraud reporting and work closely with Fraud to understand the transaction rules, and provide guidance where necessary• Forecasting Call Center Volumes – Manage call center volumes by forecasting any increase in call volumes, updating policies and procedures for the call center from the credit card business perspective

Boston, Ma, Us

Marketing Analytics• Portfolio Management: Leading multiple customer retention, early activation and portfolio spend campaigns across credit & debit cards customer base• Acquisition, Portfolio and Campaign Reporting: Leading Acquisition, Portfolio, Product and Vintage Reporting for Cards with emphasis on cross-channel and cross-product marketing tactics• Customer Insight analytics: Driving business insights through advanced analytics to increase utilization and maximizing revenues• Segmentation and Targeting: Analyzed data to develop new targeting & segmentation strategies• Cross channel marketing: Working with Channels to drive direct mail, email and outbound telemarketing campaigns• ROI management: Performing profitability analysis, post campaign analysisPortfolio Risk• Designed a process using SAS to automate the Key Performance Indicator's Report for the credit card portfolio, enabling access to the report 10 days in advance• Analyze and communicate portfolio trends and their implications for portfolio profitability & growth to senior management• Budget Analysis & Forecasting• Pricing Strategy

New York, New York, Us

• Responsible for leading two projects to design, develop and integrate an application that receives data from an accounting system and build reports; also initiated and executed requirement gathering, analysis, development, testing & deployment for the same• Designed, tested and implemented algorithm for computation of report data• Managed two analysts to drive project to completion• New Product Introduction

New York, New York, Us

• Responsible for customer experience of web portal to convert hedge funds from one platform (Eagle) to Citigroup’s existing platform (Advent Geneva)• Designed generic database schema to extract, load and store data

New York, New York, Us

• Responsible for driving project to completion by analysis, design, and development of an automated process to send municipal bonds to Depository Trust & Clearing Corporation (DTCC)• Maintained existing Citigroup systems, and supported the applications through issues, bug fixes, code upgrades and any additional enhancements needed

Boston, Ma, Us

• Assisted professors in the College of Business Administration in their teaching and research related activities; prepared presentations for classes; managed classes/labs; graded papers• Collected and analyzed research data using statistical tools such as SPSS / SAS and created reports for the same

Sunnyvale, California, Us

Boston, Massachusetts, Us

Masters, Computer Science

Be, Computers

Education record