Headline

Product & Business Transformation Leader| Cards, Forex and Remittances Expert | 0- 1 Product Launches| Digital Transformation| Revenue & P&L Leadership

About

"I build banking products that customers use, operations can scale and technology teams can successfully deliver" Over the last 15+ years, I've built my career at the intersection of Cards, Payments, Forex & Remittances, driven by a passion for solving complex business problems and creating better customer experiences. My journey across IDFC FIRST Bank, Axis Bank & ICICI Bank has been defined by building businesses, launching products from scratch & transforming manual processes into scalable digital ecosystems. From launching Forex and Prepaid card propositions to leading large scale payment transformations and regulatory programs, I've consistently turned ideas into sustainable business outcomes. What sets me apart is the breath of roles I've handled from product strategy, P&L management & partnerships to process transformation, technology integrations and program delivery. I thrive in 0-to-1 environments bringing together business, technology, operations & ecosystem partners to build solutions that drive growth, efficiency and customer value. Signature Business Impact: 1) Launched multiple 0-to-1 products-- Multi-Currency Forex Card, Prepaid Cards and digital payment solutions. 2) Transformed manual processes into scalable STP driven ecosystems 3) Delivered enterprise wide digital transformation initiatives across Cards, Payments and Forex. 4) Lead strategic partnerships and integrations with Network, Schemes & fintech ecosystems 5) Setup CASA RM Channel across Bank branches in record time of 2 months 6) Managed, mentored & drove a team of 60 Virtual RMs to deliver MoM CASA growth of ~20% 7) Directly coordinated with leading Authorized dealers of cat II, Money changers and travel agents under channel partnership model & on boarded 100+ agents. Always happy to connect with professionals in Banking, Fintech and Payments industry ‐- let's chat!

Location

Mumbai Metropolitan Region

AI stack

antigravity

codex

cursor

Work experience

Vice President at IDFC FIRST Bank, Apr 2023 - Mar 2026 · 3 yrs, Mumbai, Maharashtra, India, • Partnered alongside Business Heads and CXOs to perform critical business analysis, requirement gathering & scoping to map client needs with scalable banking products. • Spearheaded the successful end-to-end positioning, product market fit strategy and launch of Multi-Currency Forex card and 3 new INR prepaid programs. • Directed the onboarding and technical integration of Networks and Vendor system with internal ecosystem • Managed end-to-end delivery expectations, timelines and CRs by successfully aligning internal technology teams with external client needs. • Built a highly scalable backend operations engine for prepaid cards, automating workflows to move processes to complete STP. • Managed complex client expectations and cross-functional stakeholder alignment to deliver seamless project handovers.

Assistant Vice President at IDFC FIRST Bank, Apr 2019 - Apr 2023 · 4 yrs 1 mo, Mumbai Metropolitan Region, • Acted as a core interface between Product, sales, Treasury, Compliance, Audit, IT and Risk teams to translate raw business requirements into functional, compliant tech solutions. • Front-ended technical architecture setup and commercial forecasting, including volume scenario simulations, to build value propositions, securing a INR 15 Mn network partner deal. • Facilitate impact assessment training sessions and product walk-throughs for 800+ branches and 100+ team leaders for new solution rollouts.

Chief Manager at IDFC Bank, Apr 2016 - Mar 2019 · 3 yrs, Mumbai, • Led and empowered a high performing team of 140 Virtual Relationship Managers (VRMs) to scale customer program implementation, onboarding and training for 1.5 lakh customers. • Translated field insights and customer training bottlenecks from the VRM team into actionable product requirements to continuously refine digital onboarding journeys. • Designed seamless, end-to-end online remittances journey that eliminated transaction friction, optimized cross border digital flows and accelerate user conversion.

Senior Manager at Axis Bank, Nov 2014 - Mar 2016 · 1 yr 5 mos, Mumbai Area, India, • Anchored 5+ Remittances Solution initiatives for Axis Overseas Branches, ensuring seamless cross border capabilities. • Managed the rollout of the Axis Remit Online Platform for Axis Columbo & HK branches, quickly scaling user adoption to process 2000+ transactions MoM. • Conceptualized and delivered a robust customer facing outward remittance app serving a scale of 10 Mn+ customers.

Manager at ICICI Bank, Apr 2014 - Nov 2014 · 8 mos, Hyderabad Area, India, • Re-engineered legacy retail forex and on-boarding processes to enhance user experience for 25Mn customers. • Designed a highly successful onboarding and solution delivery model for third-party travel agents and consultants, onboarding 100+ key partners to drive 30+ Cr revenue MoM. • Created and packaged an end-to-end student focused Forex Card solution that expanded bank’s overall Forex market volume by 3x

Assistant Manager at ICICI Bank, Jul 2011 - Mar 2014 · 2 yrs 9 mos, Mumbai Metropolitan Region, • Acted as a single point of contact for 600+ branches across North India, successfully driving regional foreign exchange targets and aligning field team with product goals. • Analyzed, vetted and prioritized product enhancements, converting branch pain points into structured feature pipelines. • Partnered closely with Branches, FFMCs, Treasury, Phone banking, Business Intelligence Unit to develop and execute client partnership model that positioned the bank as a strategic enterprise resource.

Education

Master of Business Administration (MBA), International Business, Delhi School of Economics

Bachelor of Commerce (BCom), Accounting and Finance, Delhi University