Ritu Kumar Email & Phone Number

An accomplished professional with 20+ years of experience in financial services and 10+ years of experience in leading cross-functional teams to drive business value. Demonstrated ability to develop and implement strategies from concept to execution.Proven capability of integrating teams, build relationships and deliver on business needs.In my role as Head(Retail Banking) I was responsible for driving new customer acquisition ,engagement & retention across channels. Formulated and implemented the retail strategy by leading cross-functional teams to constantly deliver digital solutions that improve client experience across channels.Successfully led the following multi-dollar projects with a team of 25+ > Website optimisation - Successfully implemented the SEO strategy. Website traffic improved by 30% in 6 months. Optimised web pages to improve search rankings -from 6th page to 1st page appearance in 3 months> Online Customer Onboarding application - Growth in new customer acquisition by 27% > Student Portal for receiving and processing their GIC applications - Added $ 50 million in low cost deposits over 3 year period, improved profitability by $ 1 mn > Interac e-transfer- improved customer retention and account usage by 27%, 200% growth in money transfer volumes> Revamped the existing online banking application to improve online experience> YONO (You only need one) : A versatile omni-channel application with 47 unique customer journeys and several value-added features viz; spend analyser; one-view of Indian account; instant money transfer; mobile cheque depositNew Product launches:> Premium saving account - 273% target achieved in growth> Shorter tenures GICs- Improved product offtake by 135%> Newcomer to Canada program -Unique onboarding experience with a versatile mobile application and digital KYC process -Market share in Newcomer segment improved by 5% in 2 monthsDigital Marketing>Created and managed the marketing calendar and conducted media planning by using analytics to ensure better campaign performance & ROI> Developed and implemented a leads generation plan resulting in $1 million growth in new revenue over a two-year period.>Achieved a marketing return on investment of 273% over a two-year periodAreas of expertise:Strategic and tactical Planning | Product Owner | Project Management| Digital Marketing | Relationship Building |Problem solving | Customer Insights | Analytics | Product vision |Product Roadmap| Product Backlog | User stories| Agile methodologies

Listed skills include Team Management, Management, Financial Analysis, Leadership, and 5 others.