Headline

Marketing & Growth Leader | Fintech | Portfolio Strategy | IIT | MDI

About

I work at the intersection of growth, portfolio strategy, customer lifecycle, and analytics in financial services. Over the past 12+ years, I’ve built my career across consulting, fintech, startup environments, and global institutions, leading mandates focused on growth, profitability, customer engagement, and transformation. That mix has shaped how I solve problems — with structured thinking, a strong commercial lens, and a bias for scalable outcomes. At American Express India, I lead the customer engagement and business insights charter for the Consumer Cards business. My work spans lifecycle strategy, communications, retention, portfolio interventions, and analytics-led decisioning across customer journeys that influence activation, engagement, spend, attrition, compliance, and customer experience. I also work closely with cross-functional teams across product, risk, compliance, technology, and servicing on business-critical initiatives and transformation priorities. Prior to this, I worked in fintech, where I helped build growth capabilities across acquisition, CRM, partnerships, content, and funding journeys in a relatively 0-to-1 environment. Earlier in my career, consulting laid the foundation for structured problem-solving, stakeholder management, and disciplined execution. I’m especially interested in conversations around portfolio growth, lifecycle strategy, retention, customer decisioning, premium financial products, and analytics-led leadership. Always happy to connect with people working across cards, lending, wealth, payments, fintech, and consumer growth.

Location

Gurugram

AI stack

antigravity

cursor

opencode

Work experience

Head - Customer Lifecycle and Business Insights at American Express, Nov 2024 - Present · 1 yr 10 mos, On-site, Leading the Customer Portfolio for India

Head - Internal Acquisitions at American Express, Apr 2023 - Dec 2024 · 1 yr 9 mos, Hybrid, Leading the upsell & cross-sell portfolio for consumers cards at American Express (India)

Head - Digital Acquisition, Retention & Brand at Stockal, Aug 2021 - Apr 2023 · 1 yr 9 mos, Bengaluru, Karnataka, India, Heads the marketing team working to increase Funded accounts, Average User Revenue & Platform enhancements Increased average monthly approved accounts by 44% with data-driven targeting and strategic partnerships Engage 450K+ global investing clients across B2C and 70 partners, including HDFC, Motilal Oswal, IIFL, MNCL, JM and more. Driven $30M+ of customer funding from tactical campaigns across India & MENA region from B2C & B2B2C base Increased subscription renewal rate to 36% from 11% by strategy revamp using both - digital & calling channels Devised Cohort Modelling for targeted & effective messaging resulting in up to a 3X increase in campaigns uptake Led the partnership with CRED on multiple campaigns leading to the acquisition of 90K high-intent customers Launched brand’s first ever IPL Hotstar TV Campaign garnering 17M+ impressions. Guided the creation of Stockal’s Brand Book with Agency collaboration & updated 200+ customer touchpoints Owned implementation of a customer data platform (CDP) – WebEngage for more efficient communication Revamped the communication stack by transitioning to WebEngage & automating app/email nudges

Manager - Customer Marketing at American Express, Nov 2019 - Jul 2021 · 1 yr 9 mos, Led execution of segmented spend campaigns involving one million customers across six products with a focus on CLV. Drove sustained Activation Campaigns, especially on Zero Spenders, leading to a drop of 14% in attrition in 2021 Conceptualised & activated Amex’s largest-ever Diwali Festive Campaign with income and spend-based cohorts Owned the communications calendar involving 60+ Emails/SMS deployments every month across business lines Received Amex highest performance rating of 1-1 (Role Model); conferred “Extraordinaire” annual award

Assistant Manager - Customer Marketing at American Express, Apr 2017 - Nov 2019 · 2 yrs 8 mos, Expanded the Cross-sell portfolio (Upgrade, Upsell & Add-on) by launching 6 product combinations across segments Accomplished incremental billing growth of upwards of 28% from new acquisitions in 2019 for Cross-sell portfolio Setup vendor calling units for leads closure; launched pan India sales incentive programmes for multi-carding Setup Amex India’s 1st transaction & time trigger-based Emails for new acquisitions resulting in higher activations

Marketing Intern at American Express, Apr 2016 - Jun 2016 · 3 mos, Gurgaon, India, Received a Pre-Placement Offer (PPO) from the organisation based on the work done during the internship Assessed & Identified Payment Technologies which can enhance the current capabilities of Amex Presented Visual Model on identifying critical areas across major cities in India to run location specific acquisition campaigns

Head of Sales and Marketing at Cuztomise | Making Field Services Smarter, Dec 2014 - May 2015 · 6 mos, Indore Area, India, Implemented go-to-market strategy, created pipeline opportunities across 4 cities for app-based tracking software Accelerated the number of qualified inbound leads by 60% in 90 days by developing offline marketing strategies

Education

Master of Business Administration (MBA), Marketing/Marketing Management, General, Management Development Institute, Gurgaon

B.Tech, Electrical and Electronics Engineering, Indian Institute of Technology (Banaras Hindu University), Varanasi