Vice President & Head - Products - TransUnion CIBIL
(2022-04)
Led product strategy, monetization and ecosystem growth for TransUnion CIBIL's consumer, commercial and embedded credit platforms across B2C and B2B2C segments, managing a ~$28M portfolio with responsibility for digital scale, platform modernization and partner-led growth.
- Owning ~$30M+ D2C & B2B2C credit portfolio for consumer, commercial & MFI segments (Web, Mobile app & API offerings), serving 180M+, 100K+ small businesses & 120K+ partners.
- Scaled portfolio from ~$13M to ~$28M while expanding consumer base from ~61M to 183M+ (~3x growth); commercial bureau grew ~4x ($250K → $1M+) through digital and partner-led distribution.
- Built embedded distribution via Banks, NBFC's, fintech & BigTech partnerships (GPay, Amazon Pay, Cred, PayTM, Paisabazaar), with indirect channel revenue growing ~20+% YoY.
- Launched WhatsApp-based credit report and engagement journeys, with a projected ~$5M incremental revenue through embedded and conversational acquisition channels.
- Built loan offers marketplace for credit monitoring users, onboarding 14 lenders and generated 70K–80K leads/month to the lending institutions.
- Led web & mobile transformation driving ~22–50% MAU growth, 4.0+ app ratings and ~350K monthly report deliveries, with strong uplift in credit subscriptions.
- Launched API offerings for small businesses for credit report access and Saksham, a credit EdTech platform (~$5M potential in 3 years).
- Conceptualised & launched rewards program for driving acquisition, delivering 700+ users in 60 days of launch.
- Deployed device risk & intelligence solutions strengthening fraud & risk controls for accessing an individual's credit report.
- Recognized as Top 5 Finalist at Global Fintech Festival (2024 & 2025) under Best Digital Experience (Finance) and Friends of Fintech categories for simplifying credit education.
- Worked closely with RBI, TRAI, UIDAI & NeGD, enabling compliance alignment and approvals for new product use cases.
- Introduced and institutionalized WebEngage (marketing automation) and Mixpanel (product analytics), strengthening customer life cycle and data-led product and growth decisions.
- Leading 12-member product & design team, driving cross-functional GTM & execution along with a dotted 60+ membered engineering team for product development and support.
Director - Product Management / Senior Manager - Mahindra Comviva (Part of $21BN Mahindra Group)
(2018-10 - 2022-04)
As Head of Products, Led transformation of a legacy enterprise messaging business into a multi-product digital communications portfolio spanning CPaaS, conversational engagement, cloud messaging and low-code platforms for global telecom and enterprise customers.
- Led ~$20M–$25M revenue portfolio across enterprise messaging & digital engagement products for global telcos & enterprises.
- Converted legacy SMS/MMS/USSD gateway into multi-product digital portfolio (CPaaS, low-code platform, AI-led firewall) driving platform-led growth.
- Launched 'Ngage' CPaaS platform enabling omnichannel engagement (SMS, WhatsApp, RCS, Viber, Email, chatbots) targeting $1B+ TAM.
- Scaled new digital product lines contributing $8–10M incremental revenue within portfolio.
- Increased enterprise onboarding & traffic by ~30% through digital channel expansion & new cases.
- Introduced gamified campaign tracking, monetization & network utilization models, driving ~50% increase in platform adoption.
- Transitioned from on-prem to cloud-based (low-code platform) scaling to 20+ customers.
- Deployed ML-based messaging classification driving ~27% MRR uplift and automation at scale.
- Built & institutionalized product management, improving lifecycle governance & release efficiency.
- Enabled fintech & digital payment use cases across Africa & markets, supporting financial inclusion.
- Recognized across Gartner peer insights, Forrester, ROCCO, Juniper research reports; won product and Innovation awards at Messaging & SMS World (UK), AfricaCom and ET Telecom (finalist).
- Led cross-functional product teams, aligning GTM, partnerships and enterprise sales for portfolio growth.
Consulting Manager - Products, Platforms & Solutions Group / Consulting Manager - Strategy & Transformation Practice - Wipro Technologies
(2011-01 - 2018-10)
Led enterprise product, platform and transformation initiatives across global banking, telecom, healthcare, utilities and airline clients, driving large-scale consulting, digital modernization and operating model transformation programs across APAC, Europe, Middle East and North America.
- Built and scaled a $48M+ products and platforms portfolio across horizontal and industry-specific offerings; led end-to-end product management and commercialisation, converting enterprise IP and client-led solutions into 20+ reusable platforms and offerings across BFSI, healthcare, telecom and airline ecosystems.
- Modernized a US Medicare platform through market analysis and roadmap redesign, improving service levels by 15% while reducing OpEx by 25%.
- Led design thinking, journey mapping and rapid prototyping for gamified healthcare mobile app for the US healthcare payers.
- Launched omnichannel capabilities and new engagement use cases for a US banking platform, improving customer experience and reducing OpEx by 7%.
- Developed use cases, pricing models and pilot programs for analytics platforms, enabling onboarding of 3 enterprise customers.
- Gamified an airline loyalty ecosystem as part of a digital operations platform, driving 2x increase in member engagement.
- Designed enterprise-wide product lifecycle governance and institutionalized product mindset transformation through rollout of Aha.io across Wipro's platform organization.
- Mentored new product ideas under corporate seed funding initiatives led by Rishad Premji's office.
- Established enterprise product advisory boards driving ~2x AMC renewals & stronger customer retention.
- Led product positioning, GTM messaging, sales enablement & demand generation initiatives across digital campaigns, webinars, enterprise events & field marketing programs.
- Steered global programs, including Philips' SAP Greenfield track & Royal Commission of Jubail's Agile delivery setup.
- Reengineered IT structures, shared services and support models for Credit Suisse (APAC), Lloyds (UK) and Cargill (US).
- Developed a IT chargeback model for National Grid (UK) and anchored IT Organisation maturity assessment for Mobily (KSA).
- Institutionalized scalable Testing Services Office and governance frameworks for BP (ANZ) to secure recurring business value.
Consulting Manager - IT - Reliance Tech Services (Part of Reliance ADA Group)
(2008-06 - 2010-12)
Led digital transformation and enterprise consulting initiatives for Reliance ADA Group businesses, driving digital transformation, process redesign and analytics-led transformation programs working with the CXO's.
Quality Engineer - Mahindra Satyam
(2007-02 - 2012-02)
Started career in enterprise quality engineering and testing services, supporting large-scale technology delivery and process quality initiatives across global client environments within Mahindra Satyam's consulting and IT services ecosystem.
