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Rajat Mehta

Payments professional | HDFC | L&T | IDFC | NMIMS’18

Mumbai

8+ years of work experience

HDFC Bank
Jan 20233 yrs 8 mosPresent

Mumbai, Maharashtra, India

Rank 1 - Champions Redefined : JFM’26 🏆 BH Inner Circle Award : OND’25 🏆 BH Inner Circle Award : MJJ’25 Rank 1 - Oscars Award : Mar’25 Top 2% - Gold Star Award : Q4’24 🏆 BH Inner Circle Award : Q3’24 🏆 CPS Champion : Q3’24 🏆 Cross-Sell Products : Sep'24 🏆 Cross-Sell Products : Aug'24 Top 2% - Oscars Award : Dec’24 Top 2% - Oscars Award : Feb’24 Top 2% - Gold Star Award : Q4’23 🏆 BH Inner Circle Award : Q3’23 Top 2% - Oscars Award : Nov’23 Top 3% - Silver Star Award : Sep’23 Top 2% - Oscars Award : Sep’23 ● Identify NTB deals and target Large Corporates for various Commercial lending products including Corporate & Purchase payment solutions for large relationship opportunity to achieve the desired Utilization. ● Executing large corporate closures having turnover more than INR 500 CR for Commercial Payments. ● Onboarding clients for Vendor Payments and Utility Payments solutions in a customized framework. ● Monitor account activation, collaborate and work closely with Corporate Banking Group, Emerging Corporate Group and Retail Branch Banking to enhance and further strengthen existing relationships. ● Ensure Credit Underwriting and Exposure Limit set up at a corporate level along with maintaining compliance & high quality service standards resulting in customer stickiness with the Bank. ● Monitoring payment processing to drive zero delinquency in the portfolio.
L&T Financial Services
Apr 202210 mosJan 2023

Mumbai, Maharashtra, India

● Driving incremental business through running weekly and monthly contests. ● Identifying gaps in sourcing and streamlining it to refine customer experience & reduce disbursement TAT. ● Ideated on Perpetual Group Concept for ML business segment to increase monthly disbursement by ~13% ● Competitor benchmarking, assessing product gaps & raising BRDs to build robust systems for healthy portfolio.
Better
Mar 20211 yr 2 mosApr 2022

Mumbai, Maharashtra, India

● Probing the potential of retail market and strategically handling strong referral network through various channels like REAs, Online platforms etc. in order to service prospects for business and sales team. ● Showcased product features to customers and discussed technical details to overcome objections and lock in sales. ● Developed and deepened customer ans agent relationships to drive revenue growth. ● Adept at working with senior leadership with abilities to operate and influence in matrix and flexible environment. ● Expert at maintaining cordial client relationships, ensuring quality and service norms thereby achieving customer satisfaction and business retention. ● Emphasized product features based on analysis of customers' needs. ● Handling a digital mobile app TOTO to monitor customer engagement. ● Hands-on experience with MS-Office tools and softwares like Monday.com, Slack, FUB and JIRA.
IDFC FIRST Bank
Nov 20191 yr 3 mosJan 2021

Mumbai, Maharashtra, India

● Developing new models for sales excellence, scorecard roll-out, productivity assessment, debrief issues and recommend process improvements. ● Handling the mobile application (SO App) for retail assets vertical across 3 segments to monitor the adoption rate and productivity levels. ● Conduct inter-department training and learning sessions in order to impart a better understanding of the product features with contributing to the overall growth of the new and existing segments. ● Conduct UAT for new product launch to maximise the product efficiency and simplified the user-interface, collaborated with stakeholders to fasten the mortgage application process by marginal difference of 50%. ● Hands-on experience with MS-Office tools and software’s like Finnone, BPM, SFDC, JIRA and SAP.
IDFC FIRST Bank
Jun 20181 yr 5 mosOct 2019

Mumbai Area, India

● Awarded 2nd position out of 200 Sales Managers in the Jedi session held at MAB, Bangalore. ● Developed strategic relationships with CAs and DSA's for customer acquisition for HL and LAP business. ● Analyse the potential of Financial market and strategically develop strong referral networks in order to locate prospects for business. ● Sourcing of new channel partners and managing the existing channel relationships to grow the book size. ● Acquire NTB clients for the bank for Secured Lending. (Handled Home Loan, LAP and insurance products) ● Evaluate the clients applications in conjunction with the CPA/Credit/Operations/RCU Department for ensuring smooth sourcing as per policy norms and compliance. ● Analysis of Balance Sheet, P&L, CIBIL Reports and other dedupe process. ● Increase wallet share by cross-selling Insurance products to the customer as per the requirement. ● Facilitating credit and risk analysis with Credit and RCU Team. ● Working on SAP for processing and reporting of tax invoices for the channel partners.
Uber
May 20175 mosSep 2017

Jaipur, Rajasthan

● Planning and execution of marketing strategies, online and on-ground campaigns and tying them to ROI metrics. ● Conducted market research for UberMOTO for Jodhpur, followed by a detailed analysis. The purpose was to understand the target demographic and their spending capacity, and assess the potential demand for the product to gather data for its impending launch. ● Identified, negotiated and cracked several partnerships with events, brands, and influencers to engage potential riders and expand UberMOTO rider base. Few examples include gym partnerships to provide free memberships, strategic partnerships with restaurants across 3 cities in Rajasthan, sourcing external database by partnering with local communities in the city. ● Planning and execution of the uberHARLEY On-Demand event in Jaipur, as a loyalty campaign for Uber riders. Barter-partnerships were done to ensure minimal cost. Developed selfless teamwork skills by syncing with departments: Green Light, Supply, Operations and Logistics. ● Monitored social media campaigns to drive post engagement of potential uberMOTO riders, by establishing partnerships with several pages across facebook and instagram with a total reach of more than 1 Lakh. Analysis was conducted before and after every campaign. To state a major campaign, #UberWaliRakhi had 633 engagement and 10,000 outreach and 40 Driver families interaction. ● Conducted field surveys and on-ground guerrilla activations through a well-trained team, for the purpose of getting new signups and market research. ● Responsible for carrying out BTL campaigns in the city to spread social awareness across communities. Like installing 1000 No parking boards , 900 posters, 12,000 flyers at the crowd seeking places. To substantiate it further, branding was done at major malls of Jaipur city. ● Handled end to end execution of branding and customer acquisition event at Annual Maheshwari Community Meet 2017.

Rajat’s AI Stack

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Education

SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

MBA, Marketing

SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

20182018
SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Bachelor of Technology - BTech, Electrical, Electronics and Communications Engineering

SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

20134 yrs2017

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Headline

Payments professional | HDFC | L&T | IDFC | NMIMS’18

About

Experienced Sales and Product Manager with a demonstrated history of working in the financial services industry with HDFC Bank, L&T Finance and IDFC FIRST Bank. Skilled in Banking products, Business Development, Sales Management, and Product marketing. I am a proactive person with great attention to details. I have tremendous patience and grit to solve problems. Passout of NMIMS University, Mumbai. One of the most active volunteers of college for all kinds of events (Academic/Cultural events). I find myself as ambitious and at the same time emotionally and socially well oriented. I am a participative leader and has led teams with number of members ranging from 10 to 50. I am skilled in Requirements Gathering, Building Digital journeys, Problem-Solving, Product Development, Business Development, Data Structuring. Hands-on experience with MS-Office tools and softwares like Oracle, Flexcube, CBCI, HCM, Monday.com, Slack, FUB, Finnone, BPM, SFDC, SAP and JIRA.

Location

Mumbai

AI stack

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Work experience

Asst. Vice President - Commercial Cards at HDFC Bank, Jan 2023 - Present · 3 yrs 8 mos, Mumbai, Maharashtra, India, Rank 1 - Champions Redefined : JFM’26 🏆 BH Inner Circle Award : OND’25 🏆 BH Inner Circle Award : MJJ’25 Rank 1 - Oscars Award : Mar’25 Top 2% - Gold Star Award : Q4’24 🏆 BH Inner Circle Award : Q3’24 🏆 CPS Champion : Q3’24 🏆 Cross-Sell Products : Sep'24 🏆 Cross-Sell Products : Aug'24 Top 2% - Oscars Award : Dec’24 Top 2% - Oscars Award : Feb’24 Top 2% - Gold Star Award : Q4’23 🏆 BH Inner Circle Award : Q3’23 Top 2% - Oscars Award : Nov’23 Top 3% - Silver Star Award : Sep’23 Top 2% - Oscars Award : Sep’23 ● Identify NTB deals and target Large Corporates for various Commercial lending products including Corporate & Purchase payment solutions for large relationship opportunity to achieve the desired Utilization. ● Executing large corporate closures having turnover more than INR 500 CR for Commercial Payments. ● Onboarding clients for Vendor Payments and Utility Payments solutions in a customized framework. ● Monitor account activation, collaborate and work closely with Corporate Banking Group, Emerging Corporate Group and Retail Branch Banking to enhance and further strengthen existing relationships. ● Ensure Credit Underwriting and Exposure Limit set up at a corporate level along with maintaining compliance & high quality service standards resulting in customer stickiness with the Bank. ● Monitoring payment processing to drive zero delinquency in the portfolio.

Product Manager at L&T Financial Services, Apr 2022 - Jan 2023 · 10 mos, Mumbai, Maharashtra, India, ● Driving incremental business through running weekly and monthly contests. ● Identifying gaps in sourcing and streamlining it to refine customer experience & reduce disbursement TAT. ● Ideated on Perpetual Group Concept for ML business segment to increase monthly disbursement by ~13% ● Competitor benchmarking, assessing product gaps & raising BRDs to build robust systems for healthy portfolio.

Business Development Manager at Better, Mar 2021 - Apr 2022 · 1 yr 2 mos, Mumbai, Maharashtra, India, ● Probing the potential of retail market and strategically handling strong referral network through various channels like REAs, Online platforms etc. in order to service prospects for business and sales team. ● Showcased product features to customers and discussed technical details to overcome objections and lock in sales. ● Developed and deepened customer ans agent relationships to drive revenue growth. ● Adept at working with senior leadership with abilities to operate and influence in matrix and flexible environment. ● Expert at maintaining cordial client relationships, ensuring quality and service norms thereby achieving customer satisfaction and business retention. ● Emphasized product features based on analysis of customers' needs. ● Handling a digital mobile app TOTO to monitor customer engagement. ● Hands-on experience with MS-Office tools and softwares like Monday.com, Slack, FUB and JIRA.

Product Manager at IDFC FIRST Bank, Nov 2019 - Jan 2021 · 1 yr 3 mos, Mumbai, Maharashtra, India, ● Developing new models for sales excellence, scorecard roll-out, productivity assessment, debrief issues and recommend process improvements. ● Handling the mobile application (SO App) for retail assets vertical across 3 segments to monitor the adoption rate and productivity levels. ● Conduct inter-department training and learning sessions in order to impart a better understanding of the product features with contributing to the overall growth of the new and existing segments. ● Conduct UAT for new product launch to maximise the product efficiency and simplified the user-interface, collaborated with stakeholders to fasten the mortgage application process by marginal difference of 50%. ● Hands-on experience with MS-Office tools and software’s like Finnone, BPM, SFDC, JIRA and SAP.

Business Development Manager at IDFC FIRST Bank, Jun 2018 - Oct 2019 · 1 yr 5 mos, Mumbai Area, India, ● Awarded 2nd position out of 200 Sales Managers in the Jedi session held at MAB, Bangalore. ● Developed strategic relationships with CAs and DSA's for customer acquisition for HL and LAP business. ● Analyse the potential of Financial market and strategically develop strong referral networks in order to locate prospects for business. ● Sourcing of new channel partners and managing the existing channel relationships to grow the book size. ● Acquire NTB clients for the bank for Secured Lending. (Handled Home Loan, LAP and insurance products) ● Evaluate the clients applications in conjunction with the CPA/Credit/Operations/RCU Department for ensuring smooth sourcing as per policy norms and compliance. ● Analysis of Balance Sheet, P&L, CIBIL Reports and other dedupe process. ● Increase wallet share by cross-selling Insurance products to the customer as per the requirement. ● Facilitating credit and risk analysis with Credit and RCU Team. ● Working on SAP for processing and reporting of tax invoices for the channel partners.

Marketing And Partnerships Intern at Uber, May 2017 - Sep 2017 · 5 mos, Jaipur, Rajasthan, ● Planning and execution of marketing strategies, online and on-ground campaigns and tying them to ROI metrics. ● Conducted market research for UberMOTO for Jodhpur, followed by a detailed analysis. The purpose was to understand the target demographic and their spending capacity, and assess the potential demand for the product to gather data for its impending launch. ● Identified, negotiated and cracked several partnerships with events, brands, and influencers to engage potential riders and expand UberMOTO rider base. Few examples include gym partnerships to provide free memberships, strategic partnerships with restaurants across 3 cities in Rajasthan, sourcing external database by partnering with local communities in the city. ● Planning and execution of the uberHARLEY On-Demand event in Jaipur, as a loyalty campaign for Uber riders. Barter-partnerships were done to ensure minimal cost. Developed selfless teamwork skills by syncing with departments: Green Light, Supply, Operations and Logistics. ● Monitored social media campaigns to drive post engagement of potential uberMOTO riders, by establishing partnerships with several pages across facebook and instagram with a total reach of more than 1 Lakh. Analysis was conducted before and after every campaign. To state a major campaign, #UberWaliRakhi had 633 engagement and 10,000 outreach and 40 Driver families interaction. ● Conducted field surveys and on-ground guerrilla activations through a well-trained team, for the purpose of getting new signups and market research. ● Responsible for carrying out BTL campaigns in the city to spread social awareness across communities. Like installing 1000 No parking boards , 900 posters, 12,000 flyers at the crowd seeking places. To substantiate it further, branding was done at major malls of Jaipur city. ● Handled end to end execution of branding and customer acquisition event at Annual Maheshwari Community Meet 2017.

Education

MBA, Marketing, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Bachelor of Technology - BTech, Electrical, Electronics and Communications Engineering, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)