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Product Manager with 10+ years in Banking & Financial Services
Banking professional with over 22 years of experience across product management, government and TASC banking, payments and liabilities, retail business banking, and collections strategy, working with leading private and multinational banks. Proven expertise in building and scaling products, managing large portfolios, driving pan-India strategies, improving profitability and Cost-to-Income, and strengthening governance, risk, and compliance frameworks, with strong capability in cross-functional leadership and execution
NMIMS
Post Graduate · Marketing
N/A – June 30, 2007
Rizvi College (Mumbai University)
BMS · Management Studies
N/A – June 30, 2004
Axis Bank ltd.
Vice President
February 1, 2021 – Present
Mumbai, Maharashtra, India
Kotak Mahindra Bank ltd.
AVP - Product - Govt. Banking (CA/SA/TD)
May 1, 2019 – February 1, 2021
Mumbai, Maharashtra, India
YES Bank ltd.
AVP - Product - TASC & Govt. Banking (CA/SA/TD)
January 1, 2016 – April 1, 2019
Mumbai, Maharashtra, India
RBL Bank ltd.
AVP- Wealth Management.
April 1, 2015 – January 1, 2016
Mumbai, Maharashtra, India
Swift India Pvt. Ltd.
Sr. Manager Product – CMS & Trade
April 1, 2014 – October 1, 2014
Mumbai, Maharashtra, India
Data Analytics with Generative AI
Simplilearn
May 1, 2026 – Present
AI Ethics, Responsible Use and Creativity
University of Michigan
May 1, 2026 – Present
Introduction to Blockchain for Financial Services
INSEAD
May 1, 2026 – Present
Product Management: Building AI-Powered Products
Skill Up
May 1, 2026 – Present
Complete CBDC Course - Digital Currency for All Levels
Packt
May 1, 2026 – Present
Digital Product Management Modern Fundamentals
University of Virginia - Darden School of Business
HDFC BANK Ltd.
Manager - Product - Current Account
January 1, 2012 – April 1, 2014
Mumbai, Maharashtra, India
AXIS BANK Ltd.
Manager - Business Banking (Current Account)
October 1, 2010 – January 1, 2012
Mumbai, Maharashtra, India
HSBC Ltd.
Asst. Manager - Commercial banking (Current Account)
April 1, 2006 – October 1, 2010
Mumbai, Maharashtra, India
American Express Services India Ltd.
Sr. Sales officer - Personal Loans
April 1, 2005 – April 1, 2006
India
HBL Global Pvt. Ltd
Sales Executive – Two Wheelers Loans
April 1, 2004 – March 1, 2005
India
May 1, 2026 – Present
AI Basics and Tools for Creativity
University of Michigan
May 1, 2026 – Present
Cloud Computing Foundations
Duke University
May 1, 2026 – Present
Data Science & Machine Learning Fundamentals
CFI
May 1, 2026 – Present
Transforming Exploratory Data Analysis with AI
Coursera
May 1, 2026 – Present
Cyber Security Fundamentals
University of London
May 1, 2026 – Present
AI for Customer Relationship Management
Khalifa University
May 1, 2026 – Present
Cultural Fit Analysis
The candidate demonstrates a strong cultural fit for a dynamic, innovation-driven financial institution. Their extensive experience across multiple leading banks (Axis, Kotak, YES, HDFC, HSBC, RBL) showcases adaptability and resilience in diverse corporate environments. The consistent progression in product-focused roles, coupled with recent certifications in AI, ML, and Digital Product Management, indicates a proactive approach to learning and embracing technological advancements. This aligns well with organizations seeking product leaders who can drive digital transformation and navigate complex regulatory landscapes while fostering cross-functional collaboration. The focus on quantifiable outcomes and strategic initiatives further reinforces a results-oriented mindset.
Soft Skills & Operational Fit
The candidate exhibits strong leadership and stakeholder management skills, evidenced by their ability to lead cross-functional teams and manage diverse internal and external parties (Compliance, Legal, IT, Sales, Channels). Their career progression and detailed descriptions highlight strategic thinking, execution capabilities, and a results-oriented approach to product development and portfolio management. A consistent focus on regulatory compliance, risk management, and data-driven decision-making (e.g., collection analytics, performance monitoring) demonstrates robust operational acumen. The breadth of experience across multiple organizations and recent upskilling in emerging technologies also points to high adaptability and a proactive growth mindset.