- DELIVERY HERO APACLead Product Owner, FintechNovember 2021 - Today (3 years and 6 months)EU & YOU, Graz, ST, AustriaLeading a team of 2 Product Owners and 3 Product ManagersCo-brand Credit Cards• Launched co-brand cashback credit card program in Taiwan, successfully issuing 100K+ cards issued in 6 months• Led RFP for 6 banks and signed an APAC-wide scheme partnership worth USD 8M for the cobrand programs• Developed card value proposition and Go-to-market strategy to drive 500K cards in 5 years• Designed customer journey and led integration with issuer's platform to achieve card activation rate > 75%Loyalty Partnership• Managed P&L for loyalty partnership with Yuu in Singapore and Hong Kong driving USD 12M revenue in the next 2 years• Developed feature to pay directly with Yuu points on foodpanda platform with 600K monthly usersMerchant and Rider Lending• Partnered with lenders across 4 markets to provide 12K+ loans to restaurants and riders, total loan amounting over USD 15M• Built embedded financing product to allow collection of repayments from the merchant and rider setlement processPandapay, foodpanda's Closed Loop Wallet• Launched mixed payments and cashback vouchers to increase adoption of Pandapay to 1 Million monthly active users in APAC• Launched cashback campaigns with external partners driving USD 20M+ revenue as cashbackPayment Checkout Experience• Generated USD 2M+ in partnership revenue by monetising payment method Switch functionality on checkout page• Saved 40% of lost orders on foodpanda due to payment failures by offering instant credit during checkout
- Asia PacificMastercard Product ConsultantJune 2016 - October 2021 (5 years and 4 months)Engagement Manager• Developed credit card value propositions for diverse segments, through consumer research, strategic go-to-market planning, and detailed evaluation of card P&L for issuers across Asia-Pacific and the Middle East.• Designed and implemented a targeted card dormancy revitalization strategy for a leading Malaysian issuer, resulting in a 28% increase in reactivated customers and a 60% rise in spending during the promotional period.• Revamped the credit card fraud management strategy for a major Indian bank by integrating fraud rules leveraging Mastercard's DI score, delivering a net financial benefit of $3M over 12 months• Designed product strategy for two emerging banks focused on banking and payment needs for teenagers in India• Outlined strategy roadmap for a P2P payments app focusing on international remitances for a leading South African bank• Seconded to a prominent acquiring bank in Australia for one year as part of a multi-organizational project team overseeing a merchant remediation program valued at over AUD 120 million.Data Analyst• Developed an end-to-end product for commercial card managers to identify opportunities across their various programs• Devised cardholder behaviour segmentation and tailored campaigns, driving 10% spend uplift for a UAE issuerBusiness Development – Asia Pacific [Side-Hustle]• Sold multiple strategy projects to banks for new card program and enhancing authorization and fraud performance• Envisioned opportunities in BNPL space to mitigate the loss from declining credit card business for an Australian issuer
- Bachelor of TechnologyIndian Institute of Technology Roorkee2016Bachelor of Technology,