Sayan Bagchi Email and Phone Number

• Network deal finalization with Mastercard / VISA / RuPay • Product CVP development & launch of 4 card variants on all 3 networks• Worked on the switch certification, White plastic certification for the issuance business for all the three networks• Developed the pre-launch business case, P&L for the credit card business• Worked on Card Management System (Fiserv) implementation & product setup• Spearheaded the implementation of the rewards & offers solution implementation for accrual at Fiserv• Participated in the development of the MB & IB customer channels for credit along-with stakeholders for digital banking team & IT team• Worked with IT team on the implementation of 3d Secure ACS solution for Credit Card & development of ACS as a platform to offer EMI & Pay by Points solutions• Worked along with IT & BSG team on launch UPI on Credit Card program with NPCI

Working on a project to create go to market strategy for launch of Credit Card for a Scheduled Commercial Bank in India.Awarded Dazzling Debut award for this project.My activities include the following:Product CreationProduct RoadmapTechnology Assessment to create the Credit Card eco-system for the bankFraming of RFP document for on-boarding of CMS vendor CMS vendor evaluation for techno functional featuresP&L creation with 5 year projectionFunctional scope document of Credit Card ecosystem

1) Worked on launch of E-Series Debit Cards; that is the revamp of the entire Debit Card product suite along with launch of VISA as a network partner for the first time in the bank2) Launched the ELEGANCE Debit Card & the EXPLORE Family Banking Debit Card for the two new customer segments YES ESSENCE for Women customers & Family Banking customers3) Launched YES Private Debit Card; the first metal Debit Card for the bank4) Experience in handling launch of cards with both Mastercard / VISA / RuPay networks5) Entirely managed RBI directives on issuance embargo on Mastercard and timely execution of the change to VISA Platform6) Managing the entire product lifecycle of Debit cards, with all communication touch points like the corporate website & welcome letter etc7) Managing the Operations process with LIMOPS team for entire product lifecycle management of issuance; charging etc.8) Lead a project for launching of Image Debit Card for ETB customers of the bank; defining the SOP and also working along with technology teams to develop the front end flow at YES Online and also finalizing and closing the BRD / FSD for the project9) Exposure on technical projects along with technical team, related to Debit card like VISA CVN18 Migration, COFT implementation from issuer perspective & Card Tokenization with wallet partners PaytM & JioPay10) Created a product proposition of flash of the card discount on dining proposition at selected restaurants across the country11) Regular interaction with Network partners VISA / Mastercard / NPCI for various product related developments

Product Manager for mass affluent Debit Cards.Leading the launch of a new upsell Debit card for mass and mass affluent segment with RuPay networkSolely responsible for the complete lifecycle of a Debit Card launchDriving the customer experience piece for mass & mass affluent Debit cardsSuccessful in maintaining Zero TAT breach for Service Requests for Product team Debit card since July 2019 onwardsDrawing inferences from the analysis of the current pattern of Customer complaints, raised across various segments of Debit cards and suggesting long term solution to improve the customer experienceCompleted a project to understand the number of transactions being declined for lesser Domestic Purchase Limit for all the Debit cards of Axis Bank and its effect on loss of revenue generation opportunity.

Load Factor control, Frequency Control, Managing load of Distribution Transformers of the network.Control of the Overload Relays of the network.