Accomplished in strategic planning and product management, I've driven digital transformation and business growth at Deloitte and Nearby Technologies International. Leveraging consulting and business analysis skills, I've enhanced profitability, expanded portfolios, and pioneered market strategies, achieving a notable $3.6M in transactions and reducing costs by 48%.
Overview
14
14
years of professional experience
Work History
Sr Consultant, Cross Industry Payments
Deloitte
2022.08 - Current
Mentored junior consultants, helping them enhance their skills and contribute more effectively to projects.
Delivered high-quality solutions for clients through comprehensive research and analysis of industry trends.
Developed innovative strategies to address complex business challenges, resulting in increased profitability for clients.
Presented findings and recommendations to executive-level stakeholders, effectively communicating key insights and action plans.
South East Asia Head and Senior Business Manager
Nearby Technologies International (PayNearby)
2020.01 - 2022.03
Led product development and international expansion for PayNearby, the world’s largest Agent Banking platform of 1Million+ retail outlets offering Banking services to the unbanked; Product development and go-to-market strategy for Sri Lanka
Successfully conceptualized, developed, and ran a sandbox on International Remittances with the Reserve Bank of India, making it accessible to the unbanked.
Headed investor relations, product innovations, and corporate strategy
Drove strategy, pricing, and go to market execution for an Assisted E-Commerce platform that drove $3.6M in transactions through 10k+ retailers pan India
Business Manager, Insurance & Lending
Nearby Technologies (PayNearby)
2018.06 - 2020.01
Led the successful acquisition of an Insurance startup to launch InsureNearby, expanding PayNearby’s portfolio with Insurance products for the unbanked
Drove product development strategy for the Insurance vertical, conceptualized and launched 10+insurance offerings for over 40k retailers (agents) in India.
Expanded PayNearby’s portfolio to micro-business lending. Developed an internal risk scoring model for retailers
Led innovation in cash management reducing over cash-handling costs by 48%
Product Manager, Credit Cards
Citibank, NA
2015.06 - 2018.06
Headed product development Instant Personal Loans, application to the disbursal turnaround time of 10 seconds, down from 4 days
Launched the first Fintech partner card for Citibank, Paytm First Credit Card
Led technology changes for Personal Loans, drove multiple regulatory compliance projects
Drove product strategy and execution for debt recovery on a portfolio of $400M for cards, personal loans, mortgage, and instant credit, including through digital and non‑traditional channels like Emails, Social Media
Improved acquisition of new‑to‑bank customers by 8% using sources like telecom operators, credit bureaus
Database Administrator, Sybase and MSSQL
JP Morgan Chase & Company
2010.06 - 2013.05
Team Lead for Sybase, MSSQL - Equities and Fixed Income lines of business for APAC and EMEA regions
Developed scripts that performed automated data refreshes and code releases to production environments
Developed tools to analyze region and LOB wise loads for better accounting, charging and resource alignment
Education
MBA - Finance
SP Jain Institute of Management And Research
Mumbai, India
05.2015
Bachelor of Engineering - Computer Science & Engineering
Manipal Institute of Technology
Manipal, India
05.2010
Skills
Strategic Planning
Digital Transformation
Consulting
Business Planning
Business Analysis
Business Development
Product Management
Timeline
Sr Consultant, Cross Industry Payments
Deloitte
2022.08 - Current
South East Asia Head and Senior Business Manager
Nearby Technologies International (PayNearby)
2020.01 - 2022.03
Business Manager, Insurance & Lending
Nearby Technologies (PayNearby)
2018.06 - 2020.01
Product Manager, Credit Cards
Citibank, NA
2015.06 - 2018.06
Database Administrator, Sybase and MSSQL
JP Morgan Chase & Company
2010.06 - 2013.05
MBA - Finance
SP Jain Institute of Management And Research
Bachelor of Engineering - Computer Science & Engineering
Manipal Institute of Technology
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