๐๐ฎ๐ฟ๐ฒ๐ฒ๐ฟ ๐ฆ๐๐บ๐บ๐ฎ๐ฟ๐: Curious Generalist | Product Innovator in BFSI | Strategic Partnerships Guided by the belief that "If knowledge is power, curiosity is the muscle," I bring 4+ years of experience in banking across roles including Product Management, Program Management, and Partnerships. Iโve led pivotal projects like ๐๐น๐ช๐ด ๐๐ข๐ฏ๐ฌโ๐ด ๐๐ช๐ญ๐ฆ๐ด ๐๐ณ๐ข๐ฏ๐ด๐ง๐ฆ๐ณ ๐๐ณ๐ฐ๐จ๐ณ๐ข๐ฎ, a first-of-its-kind initiative in the industry. This entrepreneurial endeavor allowed me to build a new initiative from the ground up, a first even for the bank. As a Product Manager, I managed ๐๐ต๐ญ๐ข๐ด ๐ข๐ฏ๐ฅ ๐๐ข๐จ๐ฏ๐ถ๐ด, two of ๐๐น๐ช๐ด ๐๐ข๐ฏ๐ฌ'๐ด ๐ง๐ญ๐ข๐จ๐ด๐ฉ๐ช๐ฑ ๐ค๐ณ๐ฆ๐ฅ๐ช๐ต ๐ค๐ข๐ณ๐ฅ๐ด. I was instrumental in driving Atlas through its growth phase and relaunching Magnus with enhanced features. Recently, I shifted to a Partnerships Manager role in ๐๐ช๐จ๐ช๐ต๐ข๐ญ ๐๐ข๐บ๐ฎ๐ฆ๐ฏ๐ต๐ด. This journey continues to deepen my understanding of the payments ecosystem and broaden my skills in leadership and execution.๐๐ฒ๐ ๐๐ต๐ฎ๐ฟ๐ฎ๐ฐ๐๐ฒ๐ฟ๐ถ๐๐๐ถ๐ฐ ๐ง๐ฟ๐ฎ๐ถ๐๐: Strong process orientation, first principles thinking, customer-centric, results-oriented collaborator, adaptable and resilient๐๐ฑ๐๐ฐ๐ฎ๐๐ถ๐ผ๐ป ๐๐ฎ๐ฐ๐ธ๐ด๐ฟ๐ผ๐๐ป๐ฑ: MBA graduate from IIM Kozhikode, majoring in Strategy and Marketing, and an undergraduate in Electrical engineering from NIT Surat.๐๐ป๐๐ฒ๐ฟ๐ฒ๐๐๐ ๐๐ฒ๐๐ผ๐ป๐ฑ ๐ช๐ผ๐ฟ๐ธ: Iโm driven by adventure and exploration. Iโve traveled to 6 countries, explored 15+ states in India, and checked off adventure sports like skydiving, bungee jumping, scuba diving, and paragliding from my bucket list.On the fitness front, Iโve transformed myself from an obese child to a marathon runner, and I completed my first half marathon this December. I also enjoy writing about startups and strategy, which you can explore on my Notion page: https://bit.ly/ritika-notion.Iโm always eager to connect with like-minded people on startups, strategy, content, and fitness! You can either reach out via DMs or mail me at sharmaritika802@gmail.com
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Small-Cap M And A And Restructuring AdvisoryMumbai, Mh, In
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Senior Manager: Digital PaymentsAxis Bank Jan 2024 - PresentMumbai, Maharashtra, Indiaโข Responsible for acquiring, managing, and nurturing Axis Bank's partnerships with some of India's largest fintechs for UPI and Netbankingโข Crafting sales and client engagement strategies to maximize profitability and fully leverage partnerships' potential -
Product Manager: Credit CardsAxis Bank Apr 2022 - Dec 2023Mumbai, Maharashtra, Indiaโข Miles Transfer Program: The work involved end-to-end program responsibility from conceptualization to launch to running the daily operations, scaling the program to 20 partners, and designing the future roadmap. This went on to become the USP for the acquisition of premium credit cards for the bankโข Devised the strategy for growth of the newly launched travel-based credit card: Atlas -
Management TraineeAxis Bank Jul 2021 - Mar 2022Part of Axis AHEAD, Axis Bank's Leadership Development Program for premier B-school students.โข Developed the product enhancement plan for the relaunch of the Magnus credit card. We changed its positioning to a โPremium card with the best reward rate in Indiaโ, leading to increased customer acquisitionโข Conceptualized the rewards program for Freecharge neo bank basis product proposition to be offered and overall strategy -
Content ContributorA Junior Vc Aug 2022 - Feb 2023A Junior VC is a community of volunteers who create content on India's startup ecosystem.As part of their "Startup Stories" product, I create data visualizations and insights about the Indian Startup ecosystem.I also contribute to some stories as a writer. -
Growthx FellowGrowthxยฎ Sep 2022 - Nov 2022Acceptance rate: 8% out of 3000+ applicationsAchievements: โข Among National Top 6 in Capstone project where our team (consisting of founders, leaders marketers, designers, and product managers) created a comprehensive growth strategy for INDmoney with a detailed business model -
Contributing WriterThe Strategy Story Aug 2021 - Oct 2021โข I have always been fascinated by how businesses solve customer problems, generate revenues, market their products and create a brand for themselvesโข We all love reading stories, so I decided to analyze complex business models of some companies and wrote about them in a simplified form -
Brand BuildingKraftshala May 2021 - Aug 2021โข Scored 82/100 in Kraftshala Brand Building Programโข Worked on live project for Hershey's: Designing the Strategic Communication Brief for its product Hershey's Kisses -
Policy Bootcamp And Research InternshipRashtram School Of Public Leadership Jun 2020 - Sep 2020โข A rigorous 17-day workshop to understand the intricacies of public policy from experts in the domainโข Awarded the Hall of Fame badge for Top 8 among the 200 delegates for excellence throughout various aspects of the programโข Completed a research internship to apply learnings from the bootcamp and get an experience of working in the public policy domain -
Strategy InternConfederation Of Indian Industry May 2020 - Jun 2020Project Title: Strategic design of a Start-up Accelerator Programme for CIIโข Carried out extensive primary research to understand the pain points of startupsโข Designed a complete Start-up Accelerator Package including Program Curriculum, Organization Structure and GTM Strategy Achievements:โข Received "Best Contributor Award" for the project among the 12 projects -
Summer InternAxis Bank Apr 2020 - Jun 2020Project Title: Digital Risk Frameworkโข Framework designed for bank to mitigate risks arising due to digital transformationโข Analyzed different risks in each step of business process across various modelsโข Benchmarked 15 peer banks and fintechs on parameters like operating model, risk managementโข Proposed the plan consisting of products, processes and channels required to build digital capabilitiesAchievements:โข Awarded PPO based on internship performance -
Business AnalystExl Sep 2018 - Jun 2019Marketing Analytics, Consumer Onboarding for US Bankโข Analyzed the KPIs of onboarded customers to optimize strategy for their acquisition leading to USD 15mn increase in profitsโข Experience in membership and risk analytics : member lifetime, cross-sell, bundling products, segmentation using tools like SQL, SAS, MS Excelโข Assisted in building model to predict the purchase and retention behavior of onboarded customersโข Examined campaign effectiveness by tracking marketing triggers and creating performance reports on Tableau โข Reduced the time by 20% for preparing reports by streamlining processes and automating reportsInitiatives:โข Examined latest trends in banking industry & conducted competitor analysis as a part of Newsletter teamโข Designed a three-level framework to engage the employees with their supervisor, team and organizationAchievements:โข Among the top 10 teams selected for Mindfreeze, quiz competition across all offices of EXL India -
Intern, Institutional Equities (Research)Edelweiss Financial Services May 2016 - Jul 2016Mumbai, Maharashtra, IndiaResearch, Mid-cap stocksProject Title: Analysis of the Indian Tyre Industry and its major players, especially CEATโข Analyzed Indian tyre industry, examined emerging trends and threats with benchmarking of key players โข Researched extensively on clientโs financial statements, performed data extraction using Excel for reportsโข Addressed client queries using market research and data mining that impacted business decisions -
Organizing Committee President - Balakalakaar, Surat 2015Aiesec Nov 2015 - Dec 2015โข Planned and executed the event for 500 underprivileged kids of city within 30 days with a team of 5 โข Mentored the team to raise scholarships, get food, media, publicity, logistics and entertainment partnersโข Negotiated with companies to bring in the title sponsor, handled finances and PR of the event -
Organizing Committee Vice President Public Relations - Youth To Business Forum, Surat 2015Aiesec Surat Oct 2015 - Nov 2015โข Organized the 1st ever Press conference of AIESEC Surat with participation of 15 local media companiesโข Partnered with radio, newspaper and media channels for complete coverage of event including pre-events
Ritika S. Education Details
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Strategy And Marketing -
Electrical Engineering
Frequently Asked Questions about Ritika S.
What is Ritika S.'s role at the current company?
Ritika S.'s current role is Small-Cap M and A and Restructuring Advisory.
What schools did Ritika S. attend?
Ritika S. attended Indian Institute Of Management, Kozhikode, Growthxยฎ, Sardar Vallabhbhai National Institute Of Technology, Surat.
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