Cross-sell and bundling Third Party Products (Wallet, General - Health & Life Insurance) offered at the time of Credit/ Debit/ Forex & Pre-Paid card acquisition or through Outbound/ Inbound call centers.Marketing Life, Health, Travel & Accident insurance along with wallet protection cover - Overall portfolio of 2500 Million.Analysis of customer/ client quality acquired through various channels based on portfolio reports.Conceptualization, planning, execution and managing all periodic customer education campaigns on various card features and offerings including marketing collaterals and website/ mobile/ ATM changes.Promotion of Digital Banking by creating multiple cross functional strategies to reduce cash and cheque deposits at branches through customer power and reward point campaigns.Strategy formulation for Indian Resident unique identification project through UIDAI and seeding Aadhaar number to customer bank and credit card A/C.Driving Customer risk profiling and periodic Know your customer (KYC) submissions through various digital and manual modes.Supporting “Go Green” initiative by suppression of physical statements- 90% achievement.Reporting and monitoring of Anti Money Laundering and Forex transactions along with blocking of MCC’s (merchant category codes) belonging to NBFC’s and unregistered FDM’s.Work closely with multiple internal/ external stakeholders like marketing, E-business, Legal & compliance for the development and implementation of distribution strategies. Partner management and engagement.Execute and manage cross-sell strategy in line with acquisition strategy and priorities, delivering target revenues and profitability on cards portfolio across physical and digital sourcing.Gap analysis of vendor processes and work flow proposals in order to meet contractual and verbal commitments to customers.Define and develop new segmented card products such as Doctor's, teacher's, Solitaire, etc for the market; in line with the market strategy.

Managed business intelligence systems for end to end customer lifecycle management & retention. Led delivery of data and reporting on all new initiatives on travel vertical development, renewal lead management and expense reduction. Communicated with all business areas. Supervised multi-departmental task force. Authored project proposals, defined scope of work, and prepared cost estimates, schedules, budgets, and resource requirements.Achieved expense reduction/process improvement through elimination of redundant claim and call transactions, reduced pending claims/increased claim closure, and shortened turnaround/pend cycle.Overseeing the Renewal Lead Management mechanism & processes, key metrics on cross sell & Travel while analysing future requirements in order to ensure sustained profitability of channels – Motor, health and marine.

Market analysis and product planning for overall portfolio of Rs3500 million contributing towards Rural Health Insurance schemes and define product release document templates for use within all business lines.Responsible for establishment, implementation, technology assessment and business development by evaluating goals and objectives of RSBY (Rashtriya Swasthya Bima Yojna) and RGSSBY (Rajiv Gandhi Shilpi Swathya Bima Yojna).Initiated development of enrolment and claims application as a component in the product suite for the Long Term Care and Correction markets. Process Development for Healthcare service provider network and internal/ external audits.Developed, implemented and refined resources and procedures for enrolment, billing, claim operations, national programs, call centres (claim and non-claim), audit/QA and policy services.

Hospital Networking and process development for various data system deliverables across West India with more than 1500 hospitals in network. Timely audit of claims & network teams.Partnering with various Wellness partners such as Gyms, Yoga Centers, Pharmacy stores (retail & chain suppliers), Dental Clinics, etc for lifestyle management.Launched Hospital rating module for cost justification analysis and Network/ claims audit.Skillfully structured integrated theme for PAN India implementation of PPN tariff for wide range of Hospitals.Co-ordinate with internal stakeholders like sales heads, operations teams, underwriting teams etc. to develop a plan for establishing tie ups with hospitals, medical clinics etc.

Created & serviced network of more than 1200 hospitals and 100 plus diagnostic centers across Maharashtra & Goa (India).Orchestrated three project teams in improving process components while initiating planning, executing, controlling, and closing projects.Oversee billing, account follow up and denials of claims for network hospitals.Achieved expense reduction/process improvement through elimination of redundant claim and call transactions, reduced pending claims/increased claim closure, and shortened turnaround/pending cycle.Investigation of fraudulent claims (cashless/ reimbursement) as well as hospitals (Network/ Non Network).Introduction of Value added services in form of Health Talks & Health check-up camps for various corporate clients.Development of various training modules & process for awareness of Hospital staff/ Corporate/ Policy Holders, etc.

Developed “Solid waste disposal” strategy for different kinds of waste.Worked on issues related to prevalence, incidence & remedies of common public health problems linked with water & sanitation.