Kartikeya Yadav

This was a six-month-long project wherein I led a cross-functional team of 20 people to launch the products successfully.

The project management plan and deliverables included customer research, product design strategy, product requirements, BRDs, product manuals, artifact design, IT product parameters, user acceptance testing (UAT), regulatory approvals, training of end users, and go-to-market strategy.

The products were related to mobile banking, savings accounts, current accounts, and debit cards.

I led a cross-functional team of 10 to strategize, design, execute and launch the product.

The responsibilities and deliverables for the product launch included customer research, identifying strengths, weaknesses, opportunities, and threats (SWOT analysis), profit and loss statement, projections, project planning, product design strategy, building blocks design, product features, product parameters, BRDs, core banking system IT parameters, UAT, go-to-market plan, marketing collaterals, and digital marketing plan.

In this year-long project, I was a core cross-functional team member working on the bank launch setup to launch 30 products and 50 bank branches.

The work involved conceptualizing the strategy, product design, product development, testing and product roll-out. We also identified customer segments, performed market research and competition analysis, defined building blocks, and built product manuals and BRDs.

The products launched included mobile banking, expense management, chat banking, digital lending system, doorstep banking, cash management service, lead management system, and automated e-lockers.

• 180+ — Weighted Risk Parameters per Account
• $150M+ — Trade Book Protected
• $15M+ — Monthly Revenue Supported
• $100M+ — Annual Revenue (FY24-25)

• An agri commodities trading business was scaling fast across hundreds of B2B buyers and suppliers, with credit extended on every trade.
• Trade limits were set by judgement, account by account, which was slow to onboard new buyers and hard to audit.
• With the book growing into the hundreds of millions of dollars, the business needed consistent, defensible credit decisions without slowing sales

• Led the design of a credit engine with the team, defining 180+ parameters with adjustable weights across buyer profile, trade history, tenor and payment behaviour.
• Converted each account’s score into a rupee trade limit, so sales teams worked within clear, pre-approved limits.
• Built retraining on live trade, tenor and payment data so limits tightened or expanded as behaviour changed.
• Layered the engine with account-level limits and credit insurance, and made every decision traceable for audit and lenders.

• Protected a $150M+ trade book as the business scaled past $15M in monthly revenue.
• Replaced judgement-led credit calls with an auditable system.
• Cut onboarding time and held delinquency down.

• 200x — Growth in Monthly GMV
• $10M+ — Monthly GMV by September 2023
• 14 — State Markets Covered
• 250+ — Anchor Customers and Suppliers

• A new agri commodities business had to scale from about $50K in monthly GMV across many states, each with different regulatory rules.
• It needed margin discipline and controls built in from day one.

• A new agri commodities business had to scale from about $50K in monthly GMV to a meaningful share of the company’s revenue.
• It had to operate across 14 states, each with different regulatory rules.
• Margin discipline and controls had to be built in from day one, not added after scale.

• Took monthly GMV from about $50K to $10M+ by September 2023.
• Built the company’s first EBITDA-positive team.
• Secured a first-of-its-kind insurance payout in India through SOP-backed controls.