Product leader across banking, payments and insurance — turning platforms into business outcomes.

First, learn how things are actually built.

Jan 2013 — Jun 2015

Software Engineering Analyst

Accenture · client: Mattel Inc. · Oracle Product Lifecycle Management

• Led four engineers building the Enterprise Product Information Centre; delivered an 80% cut in supplier process time and 99.98% data migration accuracy.
• Re-engineered delivery with agile scrum — 18% faster delivery and 60% higher client PLM productivity.

Then swap the engineer's seat for the owner's.

2015 — 2017

PGDM, IIM Mumbai

Two years out of industry, deliberately. 8.3 / 10.

Learn how money moves, at the scale where mistakes are visible.

Apr 2017 — May 2022

Product Manager, Net & Mobile Banking

Standard Chartered Bank · Retail India

• Owned strategy and roadmap for net and mobile banking, growing the platform to 1.2M+ monthly active users across CASA, cards and loans.
• Led the digital sales journey and lead management system across credit card, personal loan, NR, wealth and business banking, supporting ₹4,000 Cr+ revenue lines.
• Ran payment modernisation for retail customers — UPI, IMPS, NEFT, RTGS and account-to-account transfers. This is where the payments half of my career starts.

Then find out what happens when two institutions have to become one.

May 2022 — Jun 2023

Senior Consultant, Digital Strategy

Deloitte

• Led the digital merger and integration of the fixed deposit product for a large NBFC and bank — a ₹1.7 lakh Cr book and 30,000+ agents — owning customer and agent journey design and end-to-end execution.
• Advised BFSI clients on digital strategy, process re-engineering and technology-led transformation. Agent networks, not just customers, become the design problem here.

Take the rails to the customers who feel them most.

Jun 2023 — Apr 2024

DVP, Digital Banking

Kotak Mahindra Bank

• Owned the payment and collection product roadmap for the SME, MSME and sole proprietor segment — customers for whom a delayed collection is a payroll problem.
• Drove enhancements across digital lending, payments and onboarding, accelerating digital adoption across the segment.