Headline

Senior Product & Business Leader | Credit Cards, Payments & Digital Lending | Portfolio Management, P&L, Growth | 0→1 Builder | Ex-HDFC Bank | India & SEA

About

13 years in banking and fintech — 10+ of them in credit cards and payments — from three very different vantage points: building the infrastructure, managing the portfolio, and starting a business from zero. At Intellect Design Arena, I was on the enterprise side — helping banks solution, build and launch card and wallet products across markets, including a credit wallet go-to-market in Vietnam. Pre-sales through post-go-live: functional specs, pricing, implementation, GL reconciliations, dispute lifecycle. That gave me an end-to-end view of how card infrastructure actually works, before I ever managed one. At HDFC Bank, I moved to portfolio management — owning the CNP, International and Contactless books across a combined ~USD 1B/month in spend, alongside regulatory compliance and cross-functional delivery with product, technology and risk teams. Being inside India's largest card issuer taught me how consumers behave at scale: how they spend, how they revolve, and how UPI reshaped card economics. It's also where I learned to run a book on data — segmentation, spend analytics and targeted interventions rather than blanket campaigns. And it taught me what large institutions do well, and what they structurally can't. That second lesson is what took me to Jakarta. At Skorcard, I built a credit card business in Indonesia from scratch — product, operations, credit risk, distribution and partnerships, with full P&L ownership. No playbook, no brand, no existing customer base. We closed two bank partnerships, scaled to 25,000 cards and $2M ARR, and reached CM1 positive while holding unit economics. I built the customer acquisition engine across performance marketing, DSA and telesales, an in-house loyalty and rewards engine, and an AI-first ops and CRM function that automated the customer lifecycle with zero engineering dependency. We also built SkorLife, a financial lifestyle app that became its own distribution engine — 4M downloads, offsetting card CAC organically and generating the behavioural data behind our in-house underwriting model. Two schools, three markets, one through-line: credit works as a product when the infrastructure, the economics and the customer fit are all aligned. Currently exploring senior product, growth and business leadership roles in cards, payments and digital lending — in India.

Location

Bengaluru

AI stack

claude code

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ChatGPT

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Work experience

Head of Business at Skor Technologies, Jun 2023 - Present · 3 yrs 4 mos, Bengaluru, Founding business lead for Skor's credit card vertical in Indonesia. Took the product from zero — no partnerships, no infrastructure, no customer base — to a live, CM1-positive card business. Built everything end-to-end: product and app (LOS, rewards, customer experience), multi-channel acquisition (Performance Marketing, DSA, Telesales), ops, CRM, and full P&L ownership. Closed two bank partnerships from scratch to enable issuance and launch. Scaled to 25,000+ cards with a multi-million dollar loan book. Reduced blended CAC by over 50% through channel mix optimisation. Reached CM1 positive. In parallel, built SkorLife — a financial lifestyle app that became Skor's distribution moat. SkorLife is self-sustaining and organically offsets Skorcard's acquisition cost. Scaled to 4M total downloads (120K monthly). Built an AI-first Ops and CRM team. Automated CLCM workflows end-to-end with zero engineering dependency.

Product and Portfolio Manager - Credit Cards at HDFC Bank, Dec 2019 - Jun 2023 · 3 yrs 7 mos, Chennai, Managed three credit card portfolio segments at India's largest card issuer — Card Not Present (CNP), International, and Contactless — with a combined spend book of ~USD 1B/month. The role spanned end-to-end portfolio management: spend strategy, merchant and partner interventions, customer segmentation, regulatory compliance, and cross-functional execution with product, tech, and risk teams. On the compliance side, led two significant industry mandates — achieved 100% tokenisation of the Active 90 portfolio, first in the industry to do so, and executed RBI-mandated card controls across ~8 million cards within 2 months. Also conceptualised and delivered an industry-first API solution enabling segmented offers to be rendered directly on both merchant and bank platforms, and launched a VAS program that crossed 20,000 registrations in 2 months.

Domain Expert - Credit Card, Wallet at Intellect Design Arena Ltd, Jun 2016 - Dec 2019 · 3 yrs 7 mos, Ho Chi Minh City, Vietnam, Worked on the implementation side of credit card products — sitting between the technology and the business, owning the full lifecycle from pre-sales solutioning through post-go-live operations. Pre-sales involved functional specs, pricing, and solutioning for bank clients. Post-sales covered implementation, GL reconciliations, dispute lifecycle, and call centre management. Effectively the SME that kept implementations on track across both sides. Also part of the core team that drove business development for a credit wallet product launch in Vietnam — building the full partner ecosystem from scratch including sponsor bank, merchant integrators, payment gateways, bill payment providers, and hosted infrastructure.

Engineer - Technology at Virtusa, Jul 2011 - May 2014 · 2 yrs 11 mos, Greater Chennai Area, Offshore lead developer for .NET application delivery in agile sprints. Handled sprint planning, backlog prioritisation, requirement elicitation, gap analysis, and end-to-end implementation through to deployment.

Education

Master of Business Administration (MBA), Finance, General, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Bachelor of Technology (B.Tech.), Electrical and Electronics Engineering, National institute of technology Calicut