Headline

Regional Head - Digital Acquisition & Partnership Management

About

• Senior Business & Sales Leader with 18+ years of experience in Cards & Payments business, driving revenue growth, strategic partnerships, channel expansion and high-performance organizations across retail and corporate sales. Over the last 6+ years, I have specialized in digital-first credit card acquisition and fintech-led growth. • At Axis Bank, I lead co-brand and fintech partnership-led acquisition across Karnataka & Kerala, managing strategic ecosystems with Flipkart, Airtel, Freecharge and Google across API-integrated digital and open-market channels. My leadership scope spans business growth, partnership strategy, distribution expansion, new-channel development and sales execution. • Specialize in building scalable growth engines, strengthening distribution ecosystems and converting strategic opportunities into measurable commercial outcomes. I bring a strong combination of market development, strategic stakeholder management, partnership negotiation, data-driven decision-making and execution leadership. • As a people leader, I focus on building high-performing teams, developing future leaders and creating a culture of accountability, ownership and execution excellence. My approach is centered on sustainable growth, organizational capability and delivering impact at scale.

Location

Bengaluru

AI stack

claude

gemini

ChatGPT

ChatGPT Images

Chroma

Work experience

Regional Head at Axis Bank, Apr 2020 - Present · 6 y 6 mo, Bengaluru, ▪ Lead co-brand and fintech partnership-led credit card acquisition across Karnataka and Kerala, working with leading digital ecosystems including Flipkart, Airtel, Freecharge and Google across API-integrated digital and open-market channels. ▪Lead a team of 6 Sales Managers and ~125 frontline sales professionals across multiple locations and channels. • Own regional acquisition strategy, productivity, funnel conversion and business performance. • Drive partner/channel growth through structured performance reviews, funnel analytics and gap-led interventions. • Work closely with Risk, Credit, Product and Operations to improve digital funnel efficiency, approval rates and turnaround time. • Identify opportunities to improve sourcing mix, conversion and frontline productivity across digital and open-market channels. • Build and develop sales leadership capability through hiring, coaching, performance management and succession planning.

Area Head - Payments Business at Axis Bank, Mar 2018 - Mar 2020 · 2 yrs 1 mo, Bangalore, • Responsible for Sales and building up Partner Relation for cards acquisition in Karnataka • Managing a team of Sales Managers / Team Leaders / BDE’s and ensures the team productivity is met • Required to interact and build relationships with Channel Partners like Bank Bazaar & Corporate salary Channel • Acquiring new to bank customer through Digital, Retail & Corporate channel • Deep dive into location level / segment-wise performance for key relationships and initiate business reviews with central SPOCs and drive continuous improvement resulting in Win-Win for customer and partner • Continuously push for a better process by doing a gap-analysis and recommend ways to plug the same • Drive business growth and build strategic client relationship • Effectively engage Operations & Risk teams to understand and contribute innovative ideas to overall processes & profitability across locations • Building in the team confidence and responsibility for their growth in the organization • Increase revenue per client by keeping a keen eye on product line offered to customers

Area Sales Manager - Credit Cards & Payments at YES BANK, Mar 2016 - Mar 2018 · 2 yrs 1 mo, Bangalore, • Played a major role in launching YES Bank Credit Card • Managed a team of Sales Manager / Sr. Acquisition Managers/ BDE’s and achieving the assigned credit card sales target within the budgeted cost of acquisition • Manage the Credit Card business for the entire Bangalore region through Corporate Salary channel and Business Units – Corporate Banking / MNC Banking • Identification and setting up of channel partners for credit cards acquisition in the region • Ensuring smooth relation with channel partners to retain them in longer run • Establish and manage strong business relationship with internal stakeholders (Risk, credits, back end & Product ) • Recruit, Train and motivate the team to achieve the sales target in alignment with business goals. • Creating a strong & compliant sales culture across the channel to drive acquisitions, profitability and employee development. • Cross- sell SB accounts, Bill Pay Registration & Add on cards to generate additional revenues by increasing penetration during fulfillment process • Creation of process maps in to maintain the TAT. Track right from login of credit card application form to disbursement of credit lines on the card. End to end responsibility of card application • Prepare and present the accurate and timely sales forecast to senior management

Senior Channel Sales Manager - Consumer Card Business at American Express, Aug 2010 - Feb 2016 · 5 yrs 7 mos, Bangalore Area, India, • Heading a team of Relationship Managers and Relation Officers for acquisition of Amex cards through direct and indirect channels. • Responsible for managing the end to end lead generation and fulfillment from third party channels. • Generating business from Bank Partnership (Future Group – Pay Back American Express Cards). • Coordinating and Building relationship with Store Manager & Pay Back team. • Hiring and Manning BDE’s according to store wise. • Generating Affluent cards business from Corporate, Tech Park & Malls activities to increase the distribution reach in card acquisition. • Providing Direction, Motivation & Training the sales team for ensuring the optimum performance and enhancing their productivity. • Work closely with the regional coaching team to ensure the sales team is completely trained on product, process and personnel skills. • Regular interaction with Credit and Ops team to ensure the TAT’s are met. • End to end owner of process starting from prospecting the customer till the card delivery. • Evaluate the sales report on monthly basis and share the improvement and opportunity areas with Business leaders. • Achieving the assigned Billing Target.

Manager at Tangent Marketing, Jul 2009 - Jul 2010 · 1 yr 1 mo, Reporting to Area Head, managed a team of 12 members. Recruiting & Training resources for Telesales and FOS. Ensuring quality and maintain high approval rate. Conducted kiosk activities in corporate offices like CGI, HEXAWARE, CISCO, SCHNEIDER ELECTRIC. Responsible for additional financial product - Personal Loan and BT. Ensuring premium customer service.

Business Manager - Sales at Pilot Commercial Services ( DST for ICICI Cards ), Nov 2006 - Aug 2010 · 3 yrs 10 mos, Bangalore, •Team: 6 Team Leaders, 70 FOS, 10 Sales-Coordinators, and 8 Back-end. • Handling Bank branches for the productivity of Credit Cards(Internal Storefronts) • Coordinating with the external partners for the Co-branded cards(External Storefronts) • Conducting of training program for the ADM, FOS & Telesales & Backend. • Coordinating with Future Group for Future Card & Setting store wise targets. • Selling of Instant Cards from branch walk-in. • Manning FOS accordingly & train them on products. • Motivating the team to deliver high productivity. • Sending MIS on daily basis to Sales manager and Regional sales manager

Education

Bachelor of Arts (B.A.), Business/Managerial Economics, bangalore university

High School Diploma, Christian Matriculation Higher Secondary School