Interac Corp. operates an economical, world-class debit payments system with broad-based acceptance, reliability, security and efficiency. The organization is one of Canada’s leading payments brands and is chosen an average of 16 million times daily to pay and exchange money. For more than 30 years, Interac Corp. through its predecessors, Interac Association and Acxsys Corporation, have facilitated secure financial transactions through the development of innovative and convenient debit and… Show more Interac Corp. operates an economical, world-class debit payments system with broad-based acceptance, reliability, security and efficiency. The organization is one of Canada’s leading payments brands and is chosen an average of 16 million times daily to pay and exchange money. For more than 30 years, Interac Corp. through its predecessors, Interac Association and Acxsys Corporation, have facilitated secure financial transactions through the development of innovative and convenient debit and money transfer solutions. A leader in the prevention and detection of fraud, the organization has one of the lowest rates of fraud globally. Interac Corp. has a diverse group of shareholders that includes banks, credit unions, caisses populaires, payment processors and merchants.Interac Corp. is constantly innovating and evolving to ensure that connected consumers can continue to choose Interac products now and well into the future, on multiple platforms and devices. The services offered by Interac Corp. include:- INTERAC Cash – giving Canadians greater access to their cash at ABMs across Canada- INTERAC Debit – Canada’s first national debit card service for purchases at point-of-sale- INTERAC Flash – the secure contactless enhancement of Interac Debit that allows Canadians to pay for items instantly by holding their cards at supported point-of-sale readers. - INTERAC e-Transfer – for the transfer of money from one person's banking account to another- INTERAC Online – for secure online payments made directly from a banking account- Mobile Payments Solutions- International Services – which provides Canadian cardholders with point-of-sale access at roughly 2 million U.S. retailers, and ABM access for cash withdrawals to foreign cardholders in Canada. Show less

Trust 2 Pay is visionary social enterprise, developing a blockchain-enabled universal platform for social action that allows application software to capture intangible value in the form of trusted promises. It introduces an entirely new way to facilitate financial inclusion and social access, needed by billions of people.socialXchange is our mobile platform for social and financial inclusion that allows individuals to develop a personal Social Activity Brand by making promises for… Show more Trust 2 Pay is visionary social enterprise, developing a blockchain-enabled universal platform for social action that allows application software to capture intangible value in the form of trusted promises. It introduces an entirely new way to facilitate financial inclusion and social access, needed by billions of people.socialXchange is our mobile platform for social and financial inclusion that allows individuals to develop a personal Social Activity Brand by making promises for in-kind support of local businesses in exchange for charitable donations, which generates a Social Credit Score to indicate creditworthiness and employability. Show less

Wave Crest Group Limited is an enterprise platform technology company that provides next generation payment solutions and services to large global corporations across the world. Wave Crest's enterprise suite is a one-stop shop for the entire digital e-money arena. Wave Crest is a principal issuing member with both MasterCard Europe and Visa International. Wave Crest is authorised and regulated as an e-money issuer by the Gibraltar Financial Services Commission (FSC0056BNK).As a Product… Show more Wave Crest Group Limited is an enterprise platform technology company that provides next generation payment solutions and services to large global corporations across the world. Wave Crest's enterprise suite is a one-stop shop for the entire digital e-money arena. Wave Crest is a principal issuing member with both MasterCard Europe and Visa International. Wave Crest is authorised and regulated as an e-money issuer by the Gibraltar Financial Services Commission (FSC0056BNK).As a Product Manager, I was responsible for meeting key strategic objectives around digital products (mobile and prepaid card payment) encompassing market research, innovative product development, product launch, business performance, quality, compliance, information security, fraud & risk, monitoring, customer service and reporting to enhance customer experience, mitigate financial & operational risks and improve product profitability through agile product development methodology.⇨ Responsible for the ownership of Wave Crest products⇨ Work directly with various divisions within Wave Crest - Sales, Project, Engineering, Quality Assurance, Operations, Fraud & Risk, Marketing, Accounting, Legal, Compliance, Information Security and BI to ensure that the product is accurately represented in terms of compliance, security and market requirements.⇨ Responsible for the product that is actively in the market - UAT, product representation, product performance etc Show less

mFino is a mobile financial services (MFS) enterprise platform technology company that provides technical applications to banks and mobile network operators to offer mobile banking and payments services to its customers.As a Product Manager I was responsible for supporting various aspects of agile product development, market research, marketing and managing client communications.• Supported product strategy by researching latest marketing trends, opportunities, challenges in the… Show more mFino is a mobile financial services (MFS) enterprise platform technology company that provides technical applications to banks and mobile network operators to offer mobile banking and payments services to its customers.As a Product Manager I was responsible for supporting various aspects of agile product development, market research, marketing and managing client communications.• Supported product strategy by researching latest marketing trends, opportunities, challenges in the mobile payments industry• Defined product strategies, delivered product requirements documents with prioritized features and use cases in light of product vision• Played a key role in the development of the rules and limits engine associated with client KYC levels to prevent fraud and money laundering• As per Payment Card Industry Data Security Standard implemented two-factor authentication and password policy for all portals and mobile apps• Conducted quality checks on products prior to release and mitigated risk to ensure client satisfaction.• Considerably reduced the number of P1 client incidents and bugs through effective UAT in multiple testing environments• Facilitated product and process education session for clients and internal teams• Prepared customer facing system documentation• Delivered effective presentations and product demonstrations as needed to support analyst, partner, and prospective customer meetings• Supported the development of sales support tools using graphic design tools - presentations, collaterals, brochures and flyers in coordination with internal partners and external agencies• Attend agile lifecycle meetings with engineering and quality analysts to clarify the product vision and requirements• Ensured that the status of the project is aligned with client commitments.• Developed content for email and online marketing initiatives to ensure increased customer flow.• Represented the organisation at various fintech events. Show less

Involved in the business assessment of more than 100 SMEs which were interested to participate as suppliers in the PNG LNG Project of Exxon Mobil in Papua New Guinea. Assessments were conducted in accordance with internationally accepted standards of business management, followed by an Assessment Report, Gap Analysis and a Business Improvement Plan.Business Assessment involves evaluating a company on 8 key business elements, namely:1. Organisation & Governance2. Business… Show more Involved in the business assessment of more than 100 SMEs which were interested to participate as suppliers in the PNG LNG Project of Exxon Mobil in Papua New Guinea. Assessments were conducted in accordance with internationally accepted standards of business management, followed by an Assessment Report, Gap Analysis and a Business Improvement Plan.Business Assessment involves evaluating a company on 8 key business elements, namely:1. Organisation & Governance2. Business Management3. Financial Management4. Human Resource Management5. Safety, Health & Environment6. Quality Management7. Asset Management8. Citizenship and Reputation Show less

Market Research• Commissioning and undertaking market research for clientso to monitor the performance of existing products and serviceso to identify potential opportunities for new financial product and serviceso to understand how existing processes can be improved to bring in productivity, reduction in costs and customer satisfactiono to identify the potential and acceptability of new channels like mobile and electronic medium for the delivery of financial… Show more Market Research• Commissioning and undertaking market research for clientso to monitor the performance of existing products and serviceso to identify potential opportunities for new financial product and serviceso to understand how existing processes can be improved to bring in productivity, reduction in costs and customer satisfactiono to identify the potential and acceptability of new channels like mobile and electronic medium for the delivery of financial services• Extensive surveys on consumer needs and aspirations; and gaps in products/services available in the assigned geography, using qualitative research/Participatory Rapid Appraisal (PRA) toolsProduct Development• Providing technical assistance to a range of financial institutions, business correspondents and mobile network operators to enable greater consumer awareness of branchless/agency banking and mobile banking services and to accelerate and scale-up adoption• Collaborating with financial institutions in developing, testing and rolling out enhanced/new products aligned to the consumer needs.• Developing end to end ‘As Is’ and ‘Could Be’ process maps, and conducting risk analysis• Supporting and handholding all the stakeholders in implementing changes to the products/processes (pilot testing) and rollout on scale.• Enhance and improve client marketing programs• Providing business assessment services to clients• Developing training curriculum and providing training to client teams (financial institution, business correspondent and customer service points/agents)• Conducting regular reviews with clientsPublications• Briefing Note 102: Marketing E/M-Banking More Deliberately and Strategically, 2011• Briefing Note 103: Top Marketing Challenges for E/M-Banking, 2011• Briefing Note 104: Role of Branding to Promote E/M-Banking Products & Services, 2011• Briefing Note 105: Product Marketing Strategies for E/M-Banking, 2011 Show less

Market Research & Product Strategy• Research potential demand and market characteristics for new goods and services and collect and analyse data and other statistical information• Define the key value proposition of the product offering by laying out the competitive context• Define the target market, product positioning, pricing strategy, communication & implementation strategy• Plan, develop and organise marketing policies and strategies to support sales… Show more Market Research & Product Strategy• Research potential demand and market characteristics for new goods and services and collect and analyse data and other statistical information• Define the key value proposition of the product offering by laying out the competitive context• Define the target market, product positioning, pricing strategy, communication & implementation strategy• Plan, develop and organise marketing policies and strategies to support sales objectives• Work closely with sales, credit, risk and operations team to deliver as per the planProduct Management (Development & Marketing)• Responsible for product development, process development and structuring, of trade & treasury products for Small & Medium Business (SMB) in the agri-sector based on market assessment and segmentation• Dealing with SMBs and corporates in the agri-sector to understand their trade and treasury requirements and thus advising them of various financial strategies and trade solutions• Responsible for appraising client proposals and financial statements• Providing strategic inputs to sales team based on market analysis & tracking the progress vis-à-vis targets by analysing geography, different segments & product wise trends for achieving fee income.• Conducting SMB client seminars, trade meets, and video conferences on behalf of ICICI Bank.• Marketing and promoting SMB trade & treasury products through various marketing activities.Training & Development• Facilitate products training for sales and credit teams across India• Develop e-learning modules on the products developed Show less