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Product Manager with 4+ years in Digital Banking & Payments
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Results-driven Product Manager with 4 years of experience in Digital Banking, Debit Cards, Payments, and Rewards platforms. Currently managing Debit Card and Delights/Rewards portfolio at Bandhan Bank, driving product strategy, usage growth, and platform enhancements across ATM, POS, ECOM, and ICCW channels. Experienced in end-to-end product lifecycle including requirement definition, partner integrations, campaign management, and product rollout. Proven track record of working on card network integrations (RuPay, Visa, Mastercard), switch platforms, and customer engagement initiatives. Strong in stakeholder management, data-driven decision making, regulatory coordination, and Agile product development within banking and payments ecosystem.
University of Lucknow
MBA · Finance
August 1, 2020 – June 30, 2022
School of management Sciences
B.Com(Hons)
August 1, 2017 – June 30, 2020
Bandhan Bank, Head office
Product/Portfolio Manager - Cards, Payments and Rewards
February 1, 2026 – Present
Kolkata, West Bengal, India
Utkarsh Small Finance Bank, Head office
Associate Product Manager -Debit Card
June 1, 2022 – February 1, 2026
India
Debit Card Delights Portal & Customer Engagement Platform
February 1, 2026 – Present
Own end-to-end management of Delights / Rewards platform for Debit Card customers including offer onboarding, campaign configuration, and performance tracking. Led partner and merchant integrations for cashback, discount, and lifestyle offers to improve engagement. Defined product requirements, supported UAT, and managed rollout of new campaign and rewards features. Worked on portfolio growth initiatives to increase debit card activation, spend, and transaction volume. Analyzed customer usage and campaign data to improve campaign performance. Coordinated with IT, Marketing, Operations, and external partners for successful delivery.
RuPay Select International Debit Card
September 1, 2025 – June 1, 2026
Spearheaded the launch of the RuPay Select Debit Card, a premium debit offering targeting affluent customers with lifestyle privileges. Defined product features, benefits, and positioning aligned with RuPay guidelines and customer segment needs. Managed system configurations across card management system (CMS), core banking, and switch to enable RuPay Select card issuance. Supported GTM campaigns and partnership integrations to drive adoption.
RuPay Classic /Platinum International Debit Card
September 1, 2025 – June 1, 2026
Launched RuPay Classic and Platinum International Debit Cards: Enhanced global acceptance and security, driving superior user experience. Improved global acceptance and customer experience across domestic and international transactions. Spearheaded Product Development and Implementation: Oversaw end-to-end processes for seamless domestic and international transactions. Introduced Exclusive Benefits for Platinum Cardholders: Managed features such as lounge access and higher withdrawal limits, leading to increased customer satisfaction and engagement.
Interoperable Cardless Cash Withdrawal (ICCW)
September 1, 2025 – June 1, 2026
Launched Interoperable Cardless Cash Withdrawal (ICCW) Service: Developed and implemented an innovative solution allowing customers to withdraw cash from ATMs without a physical card, enhancing convenience and security. Led implementation of ICCW solution, enabling cardless ATM withdrawals via interoperable platforms. Leveraged Interoperable Technology: Ensured seamless transactions across multiple banks' ATMs, providing a flexible and user-friendly cash withdrawal experience. Improved Customer Satisfaction: Demonstrated commitment to advanced financial solutions by significantly enhancing the customer experience with this cutting-edge service.
Debit Card Switch Migration - AGS Technologies to Hitachi Payment Solution
June 1, 2025 – August 1, 2025
Led strategic migration of debit card processing switch from AGS Postilion to Hitachi Base24, impacting 4 million customers. Managed migration across multi-channel systems: ATM, POS, ECOM, and ICCW with zero service disruption. Coordinated with NPCI, Visa, Mastercard, and internal stakeholders for network certifications and compliance. Executed BIN-level migration, transaction routing setup, and fraud control configurations. Conducted extensive UAT and certification testing ensuring 100% operational readiness.
Cultural Fit Analysis
The candidate's project diversity, spanning debit card products, payment switch migrations, and customer engagement platforms, indicates adaptability and a broad understanding of the financial product landscape. Their experience in multiple banking institutions and involvement in various strategic initiatives suggest a proactive and growth-oriented mindset, aligning well with a culture that values innovation and continuous improvement. The breadth of skills listed, from product management to compliance and vendor management, shows a holistic approach to product ownership.
Soft Skills & Operational Fit
The candidate demonstrates strong soft skills in stakeholder coordination, communication, and leadership, which are crucial for a Product Manager role. Their experience in Agile methodology, UAT management, and data-driven decision-making indicates a good operational fit for a dynamic product development environment. The ability to manage compliance and regulatory requirements further strengthens their operational readiness.