Headline

Partnerships & Growth | UPI | Cards | Mobile Banking

About

I started my career in a rural Canara Bank branch. That single posting taught me a hard truth: there is a massive gap between how financial products are built and what real customers actually need. Everything I have built since has been about closing that gap. Over the last 8 years, I have operated as an intrapreneur within a massive legacy enterprise, building agile, 0-to-1 growth engines for digital products serving a 130M+ user base. My approach is simple: convert complex banking products into frictionless value propositions, engineer activation loops backed by hard data, and structure co-funded partnerships driven by mutual ROI - never vanity metrics. I don't just maintain scale; I build the mechanics that create it. When I led the GTM for the ai1pe UPI app, we scaled to 1M users in 5 months. We then added the next 1M in just 45 days. Instead of relying on standard growth hacks, I mined internal payment data to identify a massive, untapped cohort - existing bank customers transacting on competitor UPI apps - and onboarded them through precision-targeted campaigns. For debit and credit card portfolios, I have engineered similar lifecycle campaigns that pushed new-issuance activation rates as high as 62%. Currently, I am sharpening my growth frameworks at GrowthX and building side projects to explore how AI integration can accelerate product lifecycle experiments. I am looking to bring scale, compliance, extreme scrappiness, and full-funnel lifecycle expertise to a high-velocity growth or product marketing team.

Location

Bengaluru

AI stack

claude code

claude

gemini

notion

openai

perplexity

Work experience

Manager - Partnership & Growth at Canara Bank, Jan 2018 - Present · 8 yrs 9 mos, Bengaluru, Scaling user acquisition, activation, and lifecycle marketing across digital banking products for a 130M+ customer base. Focused on engineering MOV-calibrated habit loops, lowering CAC, and structuring mutually profitable, co-funded brand campaigns. 0-to-1 GTM & Scale: Led the Go-To-Market strategy for the ai1Pe UPI app, scaling to 1M users in 5 months and acquiring the next 1M in 45 days by mining internal payment data to poach users from competitor apps. Launched debit card campaigns, driving 15% issuance growth and achieving up to a 62% new-card activation rate. Data-Driven User Acquisition: Authored custom SQL queries to identify high-intent cohorts, shifting acquisition budgets from paid media to targeted partner distribution. Consistently suppressed acquisition costs, including achieving an industry-low ₹43 CAC (vs. ₹200-500 benchmark) on co-branded campaigns. Strategic Co-Funded Partnerships: Managed 50+ target-gated pilots and growth campaigns annually across 20+ concurrent brand partners (Zomato, Big Basket, Domino’s). Structured reward mechanics below observed AOV and successfully negotiated co-funded deals, including unlocking ₹23L in zero-cost media placements. Lifecycle Engineering & Reactivation: Executed zero-media-spend, full-funnel activation campaigns via MoEngage and AppsFlyer, delivering ₹50Cr+ in cumulative GMV. Reactivated 1.6L dormant users through precision in-app push targeting, generating a 2.2x ROI and a 25% repeat redemption rate. Agile Growth Operations: Streamlined cross-functional bottlenecks across Product, PR, and Legal. Building standardized compliance workflows that cut partnership GTM launch timelines from 90 days to 30 days.

Education

High School, SCIENCE, DLDAV

Growth Strategy & Networking, GrowthX®

Public links

github: https://github.com/mackayy007

youtube.com: https://youtube.com/@curatedfoodblog