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Product Manager with 10+ years in Digital Banking & AI-led Engagement
20+ years of experience in Retail Banking across CASA, Deposits, Digital Banking, Product Management, and Portfolio P&L. Proven track record in cross-sell, CASA balance build-up, and revenue optimization through segmentation strategies. Strong expertise in Customer Lifecycle Management (CLM), omnichannel engagement, and portfolio monetization. Strong experience in Digital Sales, online acquisition, funnel optimization, and conversion rate improvement across mobile and web channels. Built and scaled digital banking products including digital SA variants and AI-powered engagement platform (AINA). Hands-on experience in AI-led automation, digital onboarding, embedded finance, and API integrations. Strong expertise in risk management, KYC/AML, mule account prevention, and regulatory compliance. Led cross-functional teams across Product, Analytics, Technology, Sales, and Operations.
S.P. Mandali's Prin. L.N. Welingkar Institute of Management Development & Research
Post-Graduate Diploma · Business Administration (Finance Management)
August 1, 2008 – June 30, 2010
Mumbai University
Bachelor of Science · Organic Chemistry
August 1, 2000 – June 30, 2003
Thriwe Consulting Pvt. Ltd.
Head - Product & Business Intelligence Unit (Banking, Cards & Loyalty Ecosystems | B2B Fintech)
June 1, 2024 – Present
Mumbai, Maharashtra, India
IndusInd Bank
Product Lead – Savings Account (CASA)
November 1, 2023 – June 1, 2024
Mumbai, Maharashtra, India
HDFC Bank
Lead – CASA NTB Acquisition & Customer Lifecycle Management
September 1, 2022 – November 1, 2023
Mumbai, Maharashtra, India
YES Bank
Senior Product Manager – Savings Account (CASA)
July 1, 2019 – September 1, 2022
Mumbai, Maharashtra, India
ICICI Bank
Senior Product Manager – Savings Account (CASA)
March 1, 2017 – July 1, 2019
Mumbai, Maharashtra, India
HDFC Bank
Product Portfolio Manager – Savings Account ETB Growth
February 1, 2013 – March 1, 2017
India
ICICI Prudential Life Insurance
Bancassurance & Sales Growth
August 1, 2011 – February 1, 2013
India
HSBC
Credit Cards - Customer Service & Cross-sell
January 1, 2007 – August 1, 2011
India
Dhanlaxmi Co-operative Credit Society
CASA Acquisition & Deposits
June 1, 2004 – December 1, 2006
India
IT & Cyber Security Certified
Unknown
May 1, 2026 – Present
Cultural Fit Analysis
The candidate's extensive tenure across multiple leading financial institutions (HDFC, ICICI, YES, IndusInd) and recent move to a B2B Fintech consulting firm (Thriwe) demonstrates high adaptability, resilience, and a strong drive for growth and innovation. Their consistent focus on product management within the banking and fintech sectors, coupled with a track record of launching new products and driving digital transformation, indicates a strong alignment with dynamic, results-oriented environments. The breadth of experience from traditional banking to modern fintech and AI-led solutions suggests a forward-thinking and adaptable mindset, crucial for cultural fit in evolving product organizations.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership and strategic thinking through P&L accountability and end-to-end product strategy ownership. Their experience in developing AI-driven platforms and digital onboarding solutions highlights problem-solving and innovation capabilities. A data-driven approach is evident in the use of analytics frameworks, segmentation models, and KPI tracking for decision-making. Strong cross-functional collaboration is shown by leading diverse teams and building omnichannel communication ecosystems. Operational excellence is reflected in managing large portfolios, improving sales channel productivity, and strengthening compliance frameworks.