Headline

AI Strategy & Innovation at Illumifin | Digital Transformation | Financial Services

About

I am a Product Innovation Leader with more than a decade of experience driving digital transformation, AI-powered solutions, and customer-centric innovation across financial services, loyalty, and technology sectors. My passion lies in leveraging technology to solve complex business challenges, enhance customer experiences, and create scalable solutions that deliver measurable impact. Throughout my career, I have led AI and advanced technology initiatives that transform customer experiences and streamline complex processes. I thrive at the intersection of technology, business, and people, consistently leveraging emerging solutions to optimize operations, deliver personalized experiences, and drive measurable growth. I have built my expertise across diverse roles: from Business Analysis and Account Management to Product Management and Product Marketing, working with organizations such as ITC Infotech, Capillary Technologies, Paytm, Loylty Rewardz, Oracle, and Publicis Sapient. My work has focused on delivering customer-first solutions, scaling loyalty and financial platforms, and enabling cross-functional teams to innovate with purpose. I am passionate about mentorship, leadership, and continuous learning. I actively foster knowledge sharing, guide emerging professionals, and promote collaboration across teams. I am committed to building inclusive and empowering environments, where diverse voices are supported, inspired, and able to drive meaningful change. I am recognized for my contributions to AI-driven innovation, financial services transformation, and team leadership, and I have been nominated for global awards such as the TechWomen100 – Global Achievement Award. My learning mindset drives me to stay at the forefront of emerging technologies, and I am passionate about creating solutions that make a meaningful impact on businesses, users, and the broader tech community. Specialties: AI/Generative AI/Agentic AI, Product Management, Digital Transformation, Financial Services, Customer Experience, Loyalty Platforms, Mentorship, Innovation, Team Leadership, Agile Product Development.

Location

Bengaluru

AI stack

mcp

openai

Microsoft Copilot

Work experience

AI Product & Strategy Lead at illumifin, Apr 2026 - Present · 5 mos, Bengaluru, Karnataka, India

Product Manager at Publicis Sapient, Jan 2023 - Apr 2026 · 3 yrs 4 mos, Greater Bengaluru Area

Senior Marketing Consultant (CrowdTwist- Loyalty) at Oracle, Jun 2021 - Dec 2022 · 1 yr 7 mos, Bengaluru, Karnataka, India, • Part of the Center of Excellence team at Oracle CX. Responsible for laying the foundational operations, processes, templates for COE assessments and training modules for Oracle CrowdTwist • Built Marketing Maturity Assessment models, Platform Utilisation Reporting models and Recommendation modules leveraged in promoting usage of the product, identifying business use cases and delivering competitive edge for the clients in their loyalty program and customer experience journey • Designed program performance KPIs specific for account health and industry benchmarking KPIs • Worked on multiple global Oracle CX Marketing accounts Responsible for ensuring ARR growth and renewals • Launched ‘My Oracle Rewards’ - Oracle customer marketing initiative, a loyalty program for Oracle customers (US only) • Represented Oracle CX Marketing at the Australia Loyalty Association May’22 event. Helped raise awareness on how to drive D2C sales and repeat purchase with personalised loyalty experiences • Received “Centre of Excellence-CX Marketing Award for Excellence- Q4FY22”

Product Manager - Retail Loyalty | Channel Loyalty | CRM at Loylty Rewardz Mngt Pvt Ltd, Oct 2019 - Jun 2021 · 1 yr 9 mos, Mumbai Metropolitan Region, Coalition loyalty program (leading restaurant association): • Ideated and solutioned a platform for restaurants to choose their reward mechanism as per budget, and design targeted customer experiences, all while listing their stores and offers on a publicly hosted listing and marketing platform (app and website) • Core objectives of the platform , o To bring back decision making power to the 5-6 lac restaurants in India o Equal treatment for large and small chains in terms of visibility o Customised offers (not a one-size-fit-all model) o Customers earn common pool of points and rewards, and redeem them anywhere Retail Loyalty Product: • Developed a customisable and scalable platform that can be used for – single brand, multiple brands, Group level loyalty programs for both closed loop and open loop formats Merchant acquisition/ engagement programs: • Program incentivised merchants on daily/ weekly/ monthly transaction targets to encourage usage of bank/ POS provider EDC machines Channel Loyalty Product: • Platform enables multiple modes for sales reporting (app/SMS/IVR etc.), maps sales reported from the lowest to the highest node in the channel hierarchy, incentivisation at multiple levels of the hierarchy, allows internal and external redemption options, gamification elements on UI

Enterprise Sales- Brand Loyalty at Paytm at Paytm, Aug 2018 - Oct 2019 · 1 yr 3 mos, Mumbai Metropolitan Region, • Business Development for the Paytm Mobile Marketing team- Channel loyalty platform powered with gratification modules under Paytm umbrella • Industries worked with- Information technology, FMCG, Consumer Durables, Retail, Pharmaceuticals, E- commerce • Product and solutions sold- o Channel/ Trade loyalty platform o Loyalty solution for brand’s B2C businesses o Product suite sold- CRM, Sales Force Assistance system, Omni channel communication modes that includes Mobile Apps, PWA based, SMS, Voice and IVR • Built solutions around Paytm gratification channels- cash wallet, Paytm mall vouchers, Paytm movie vouchers

CRM & Loyalty Account Manager at Capillary Technologies, Dec 2016 - Jul 2018 · 1 y 7 mo, Mumbai

Business Analyst at ITC Infotech, Jul 2015 - Nov 2016 · 1 y 4 mo, Bangalore

Education

Master of Business Administration (M.B.A.), Marketing, Alliance University

Bachelor of Science (BSc) Hons., Physics, Gargi College, Delhi