Leading a team of extremely smart and dedicated Product Managers and scaling AWS Apps and Amazon's Retail Technologies as a Service. Worked for 3 years to make Just Walk Out as Service (JWOS) successful before moving to new technologies. JWOS is live in dozen of stores and with several customers in the US, UK, AUS and CAN including Hudson, Climate Pledge Arena, TD Garden, Baxterstorey in the UK, Marvel Stadium in AUS.

Leading a team of extremely smart and dedicated Product Managers to scale Amazon's Just Walk Out Technology as a service.

Product Management - Amazon Just Walk Out Technology as a service.

Building Amazon's innovative People Mgmt and Time and Attendance solutions from scratch

EU Exports and Expansion - Responsible for Customer Delight (all business and CX improvement projects) from conception to delivery for certain Exports Destinations which are expected to drive a 300% growth in incremental revenue by 2021 • Creation of the Product Vision • Creation of Business Plans for mid to long term projects and presentation to Sr. Management for approval and funding• Creation of execution road maps and business requirements documents• Working with multiple stakeholders and technology teams and taking ownership of delivering improvements across various CX pain points to create best in class experience for Exports customers• Execution & Delivery: Managing Requirements, writing PRFAQs and Business Requirements documents, creation of customer Journeys (UX mockups and wireframes) and owning on time delivery

Responsible for development and launch of Digital Lending for Consumer (B2C) segment.• Evaluation of new segments - Prepared the ‘Business Case’ for new target segments - Affordable Housing, Consumer Durables and Checkout Financing, Offline retailers of wallet companies (Paytm)• Innovation in Digital Lending - Digital Lending concepts such as transaction data underwriting, eKYC, automatic verification of customer information through API integration from authenticated sources and other fintech innovations are all very new in India. Championed the above at ABFL and managed their integration in the platform and technology builds• IndiaStack POC with iSpirit Foundation – First Time loans in India were executed end to end digitally. Managed the entire program at ABFL and successfully executed the Pilot in partnership with iSpirit Foundation• Product Management - Product Design – Designed and implemented innovative products such as Nano/Micro Loans and PayLater). Created Customer Journeys and User Experience on the ABFL mobile App/Web portal for various segments. Designed pilot programs to test performance of various segments and streamline operational process• Partnerships and Alliances - Evaluate industry players including Fintechs/Marketplaces for alliances and manage the entire relationship including commercials, business arrangements and process/technology integrations. Launched programs in collaboration with Paytm, Cashcare, Capital Float, Ola, USAID, Faircent & IDEA telecom.• Credit Policy and Scorecard Development - Created the credit policies/scorecards for various products/segments. Developed ‘Telecom Data based scorecards’ in collaboration with IDEA Cellular and Payments Bank. Validation and improvement of scorecards using data from both traditional and non- traditional sources of data

Group Management Leadership Program for experienced professionals

Managed the ‘Proactive Credit Line Increase’ program. • Risk Segmentation and Testing - Increased target customers by 2 million (~8%) by developing randomized credit line hypothesis tests to include new segments (High Utilization & Early Months on Book customers).• Cross sell and upsell - Increased penetration by developing ‘Product Penetration’ scorecards for new credit card customers. Tracked performance by preferred/retail segments to track ‘organic growth’ & other revenue initiatives. Evaluated preferred customer segment and recommended sub-segments for cross sell and upgrade offers.• Other achievements - Awarded the ‘Bank of America Platinum Award’, awarded the ‘Bank of America Silver Award’ twice

• Performance Measurement and Monitoring - Responsible for development, maintenance and enhancement of Credit Card Performance reports utilizing a variety of data sources and platforms on both front end acquisitions as well as back end financials • Customer Relationship Deepening - Developed ‘Product Penetration’ scorecards for credit card new accounts by Segment (Preferred/Retail) as part of the ‘Customer Relationship Deepening’ initiative• Ad-hoc Analysis and Support - Provided analytical support for marketing channel business partners for acquisitions performance as well as other ad-hoc analyses. Trained business partners from other lines of business in the credit cards data infrastructure

• Risk Modeling and Segmentation - Developed Probability of Default and Probability of Attrition non parametric models as part of decision criterion for a new modification program. Developed risk segmentation using decision trees in SAS E Miner to mitigate possible losses as part of Balance Transfer expansion program• Risk Strategy - Strategy development and testing/audit of Balance Transfers expansion for Prime Credit Cards. Developed and tested limited monthly Credit Line Increase program to engage inactive prime customers. Established new eligibility criterion for customers applying for mortgage modification programs to improve program performance• Performance Analysis - Analyzed historical modification data to determine recidivism rates and forecast expected loss severity. Revised decision variables viz. DTI Target and interest rate relief to update modification program. Recommended optimal expenses thresholds for customers applying for modification programs and benchmarked them against BLS national averages to improve process efficiency

• Developed assembly line layouts using 5S and Lean techniques to improve Material Flow Management and eliminate waste• Supplier Evaluation and Supplier Selection • Establishment of replenishment policy using Kanban system to maintain inventory • In-sourcing and product cost take out• Lean/Kaizen event Line Restructuring to eliminate WIP and excess labor• Worked as Co-op Leader and coordinated training, schedules and activities for 16 Co-ops• Awarded “Best Co-op Presentation Award” for end of term project presentation