Viraj Gupta Email & Phone Number

New York, NY, US

Purchase, NY, US

Product lead for new payment flows (bill payments, cross border payments, and Send), and debit portfolios in North American markets for small business segment. Responsible for deeply understanding the needs of small businesses and the partners serving them, and designing solutions to address those needs.

Purchase, NY, US

• Built a stellar team of six reports (including four Directors), and responsible for developing Mastercard’s Open Banking Go-To-Market (GTM) Strategy (build/buy/partner) in prioritized countries within Latin America and.
• Led the team to define the Open Banking Partnership strategy in several markets in LAC, AP, and MEA.
• Signed partnership agreements with five partners.
• Executed Mastercard’s Bank Account Payments strategy via open banking in multiple markets in the MEA region.
• Defined Mastercard’s Open Banking payments strategy for the US market.
• Identified as the top 20% employees in Mastercard (“High Impact Talent”) within the very first full year in the role.

Purchase, NY, US

• Product head for Mastercard’s retail credit card portfolio generating an 8-figure annual $ revenue, and installments/BNPL (own solutions & fintech partnerships) in Canada; end-to-end product and P&L responsibility.
• Received a top 20% (“Results Exceeded”) rating in the very first full year of working at Mastercard.
• Nominated for the highest performance award for Mastercard in Canada (“Canada Goose Award”) in 2019 and 2020.
• Led the first North America (NAM) launch of Mastercard Installments (MCI) in 2019 through a partnership with TSYS (a third-party card processor); worked directly with the engineering team throughout the process.
• Launched several new travel and everyday benefits for Mastercard cardholders through partnerships with partners like Apple, Target (cross-border purchase offer), Ritual, foodora, Boingo, etc.
• Developed the BNPL strategy including Mastercard’s partnership approach for BNPL partners

Toronto, ON, CA

• Led a team of four managers and analysts, and responsible for optimizing the risk adjusted returns for products: Credit Cards, Overdrafts, Lines of Credit, and Debit Cards. Owned the bank’s risk P&L for these products.
• Received a top 20% rating (“Distinguished”) in Dec. 2017 for year 2017 performance
• Identified as one of the 13 individuals for a potential future executive role through the BMO Sponsorship Program.
• Awarded the highest recognition at BMO (“Being BMO Award”, awarded to <1% of all BMO employees) by BMO’s Chief Risk Officer for displaying exemplary team leadership and all-round accomplishments in FY 2017
• Increased the projected five-year earnings by 35% for Credit Cards, by 113% for Overdrafts, and by 161% for Lines of Credit by leading the redesign of the adjudication strategies for these products in specific channels.
• Led the redesign of business rules to assign transaction level limits for debit card transactions (such as ATM withdrawal, POS purchase, cheque deposit in self-serve channels, online bill pay, etc.) for BMO customers.

Toronto, Ontario, CA

• Product Manager and P&L owner for RBC’s Certificates of Deposits (CDs) and Savings Accounts portfolio; responsibilities included product management of the existing products (e.g., feature enhancements, pricing.
• Exceeded target by 25% within the first 12 months into the role.
• Received a top 20% rating (“Outstanding”) for the year 2015.
• Launched a new High Interest Savings Account (HISA) product in the broker channel through collaborations with ~20 different teams across three lines of business within RBC (Retail, Wealth, and Custody)
• Designed a novel ‘test and learn’ program focused on differentiated broker GIC pricing by client segmentation to grow balances and revenue
• Developed a financial model to identify the most impactful campaigns for increasing the market share of GICs & Savings team across retail and broker business by $10 billion over the initial plan while optimizing the.

Toronto, Ontario, CA

• Worked on projects in areas of revenue growth, new product launch, product refresh, and business model design across business lines such as retail bank, wealth management, international banking, and functions such as.
• Received a top 20% rating (“Outstanding”) for the year 2014.
• Led the development of a financial business case, product strategy, and business design for launching the ‘Income Builder GIC’ product aimed at the Aging & Retiree client segment at RBC
• Developed a detailed business case (including financial model) for reducing costs of back office functions across RBC Wealth, Capital Markets, and Custody businesses in Europe
• Spearheaded the product strategy and operating model design for PRPP while collaborating with 15+ teams across RBC
• Refreshed the RBC WestJet card product

Kolkata, West Bengal, IN

Worked on consulting projects focused on business strategy, business model redesign, performance improvement, cost optimization, etc. across several client industries.

Bachelor Of Technology - Btech, Electrical Engineering

Master Of Business Administration - Mba, Strategy And Finance

Summer Intern, Worked On Fpgas