Richa Kumari Email and Phone Number

• Orchestrated the Product strategy and operations for an array of consumer credit activities within a dynamic global FinTech• Product Development: Defined product vision of projects like PSD2, Drafty EMI. Directed a team to deliver customer-centric product innovations that sharpen our competitive edge using market research and competitive analysis• My remit included managing significant credit portfolios, maximizing customer lifetime value, and advancing impactful go-to-market strategies• Responsible for Product Lifecycle Management in developing and improving product features of Gain Credit’s primary consumer brand Lending Stream and Drafty under the purview of Customer Engagement

A- CSPO

- Responsible for end-to-end ownership of projects around developing and improving product features of Gain Credit’s primary consumer brand Lending Stream and Drafty under the purview of Customer Engagement- Develop product strategy, road map, and prioritize projects based on customer engagement- Redefine customer journey to increase conversion rate on the website- Improve machine models and rules used in controlling Credit risk and fraud- Act as a Product Owner in Agile software development and ensure that a 12-member development team delivers the most value by building product backlog, giving the team guidance on features to be delivered.

• Monitored and analyzed key metrics such as Customer Acquisition Cost (CAC) and Customer Lifetime Value (CLV), identifying areas for improvement and adjusting strategies to optimize ROI in Indian FinTech• Translated product roadmap into detailed requirements and prototypes• Drove product launch of Mutual Fund & Gold Loan by working closely with Marketing, Compliance, executives, and PM Team • Led strategic cost management initiatives, particularly through automation, had significantly elevated operational efficiency and reduced costs

The main responsibility was to educate, encourage and retain club members.I, the ultimate club mentor as well as the second highest officer on the executive board; not only did the VPE but had to promote the Toastmasters International Education Program (both communication and leadership).

• Collaborated cross-functionally with engineering, design, and marketing teams to ensure seamless product development of Trading Platform and delivery, resulting in the successful launch of three major features within six months. • Implemented Agile methodologies and facilitated Scrum ceremonies, including sprint planning and daily stand-ups, which improved team productivity by 20% • Prioritized product features and backlog items based on user feedback, market trends, and business goals

• Developed and executed a go-to-market strategy for a new e-commerce platform (B2B), coordinating with marketing, sales, and support teams to ensure a cohesive approach, leading to a 40% increase in customer acquisition • Managed stakeholder expectations and communication, presenting product updates and performance metrics to executive leadership, which enhanced transparency and alignment.Skills:• Impact Analysis • JIRA • Confluence • Agile •Scrum

• Utilized project management tools such as JIRA and Confluence to streamline workflows, track project progress, and ensure timely delivery of product milestones• Conducted A/B testing to optimize product features and user interface (UI) elements, resulting in a 10% improvement in conversion rates and enhancing User Experience (UX)