Kartikeya Yadav
Verified Expert in Product Management
Product Manager
Bengaluru, Karnataka, India
Toptal member since November 24, 2022
Kartikeya is a professional with a decade-long experience in product and portfolio management, marketing, research, sales, strategy, and banking. His background as a product owner includes over 50 products in digital banking, payments, rewards and loyalty programs, corporate and government banking, insurance, lending, and supply chain finance. As a subject matter expert in digital products, digital marketing, portfolio management, and consumer banking, Kartikeya has guided teams of 5-20 members.
Project Highlights
Expertise
- Agile
- Business Analysis
- Certified ScrumMaster (CSM)
- Lending
- Mobile
- Product Management
- Product Owner
- Project Management Professional (PMP)
Work Experience
Director of Strategy
Ninjacart
- Led the setup from zero to one for supply chain financing for large corporates, traders, retailers, and farmers.
- Oversaw the setup from zero to one for trade finance and trade discounting products for traders, logistics players, and retailers.
- Served as a core member in a neo-banking platform setup from zero to one, delivering checking account and payment solutions.
Head of Product | Principal Officer
Jana Small Finance Bank
- Designed and executed a bank launch strategy, acquiring more than 1.8 million customers across different segments, including retail, corporate, and government business.
- Led the buildup of a bank deposit book worth $1.5 billion with active cross-selling of bancassurance and asset products.
- Oversaw the bank launch setup with lifecycle management of over 60 products involving conceptualizing, design, development, testing, and rollout.
- Identified customer segments, market research, and competition analysis. Defined building blocks, product manuals, and business requirement documents (BRDs).
- Directed the design and development of digital channels that included mobile banking, expense management, chat banking, and digital lending.
- Established DigiGen, a mobile and web-based solution to open accounts online with video-based know-your-customer (KYC) standards, as the first small finance bank to launch such a product in India.
- Guided the design and development of alternate channels, including geospatial route mapping to optimize collections, sales and fraud detection, doorstep banking, cash management service, lead management system, and automated e-lockers.
- Launched RuPay Select Debit Card, a premium card product, as the first small finance bank to launch such a product in India.
- Founded more than 650 bank branches in 21 states across India.
- Led the team to develop and launch micro-finance loans, group loans, affordable housing loans, and everyday installment loan products for the target segment of the bank.
Product Manager
ING Vysya Bank
- Crafted customer acquisition strategy based on market and portfolio analysis targeting specific demographics and leading to a 10% uptake in month-on-month acquisition for savings account products.
- Conceptualized and launched Household Banking as a relationship management coordinator, with an average cross-sell of two additional products per household.
- Set up a sales monitoring dashboard to enhance portfolio quality by identifying primary data points of customer behavior, transaction volumes, daily transfer rate, and channel access.
- Developed and launched the Senior Savings Account product for senior citizens, which led to an increase of 30% in sales in the senior citizen segment.
- Created and launched the Zing Savings Account product for kids, decreasing retention by 15% amongst existing customers due to the cross-sell to their children.
Systems Engineer
Infosys
- Led incident management for critical Microsoft IT applications.
- Analyzed Microsoft IT and administered more than 70 Microsoft enterprise applications.
- Served as the single point of contact (SPOC) in the operational execution of applications during releases, patches, maintenance, and testing, with teams across global multinational corporations (MNCs).
Project History
Bank Launch 2.0
https://www.janabank.com/current-account/Launched 20 new products, helping the bank evolve from a single-product company to a multiple-product organization.
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.
DigiGen
https://www.janabank.com/savings-account/digigen-by-jana-small-finance-bank/Designed and launched a virtual account opening product and channel via mobile and website, helping the bank to continue account opening during COVID-19 lockdowns and increase sales by 23% on a month-on-month basis.
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.
Bank Transition
https://www.janabank.comTransitioned the organization from a non-banking financial company to a small finance bank, launching more than 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.
Education
Master of Business Administration (MBA) in Finance
Indian Institute of Management Lucknow - Lucknow, Uttar Pradesh, India
Bachelor of Engineering Degree in Computer Science
Apeejay College of Engineering, Gurgaon - Gurgaon, Haryana, India
Certifications
Digital Marketing and Analytics
Indian School of Business
Blockchain Revolution Specialization
Insead
Machine Learning
Stanford University
Project Management Professional (PMP)
Project Management Institute (PMI)
Certified Scrum Product Owner (CSPO)
Scrum Alliance
Certified Scrum Master (CSM)
Scrum Alliance
Skills
Tools
Jira, Slack, Visual Studio .NET, Office 365
Paradigms
Scrum, Agile, Agile Product Management
Industry Expertise
Digital Banking, Life Insurance
Platforms
Blockchain
Other
Scrum Master, Agile Coaching, Certified ScrumMaster (CSM), New Products, Product Owner, Head of Product, Product Management, Product Design, Product Development, New Product Development, Project Design, Project Management, Portfolio Management, Program Management, Cost-benefit Analysis, Communications Management, Project Management Professional (PMP), Project Evaluation, Quality Management, Quality Assurance (QA), Risk Management, Marketing, IT Project Management, IT Product Management, Trade Finance, Corporate Finance, IT, Digital Marketing, Search Engine Marketing (SEM), Search Engine Optimization (SEO), Social Media Marketing (SMM), Product Ownership, Supply Chain, Projects, User Experience (UX), Customer Experience, Insurance Product Manager, Online Banking, Mobile Banking, Consumer Banking, Core Banking Systems, Web Marketing, General Management, Digital Marketing Strategy, Strategy, Rewards Programs, Lending, Consumer Lending, Prepaid Cards, Mobile UX, Financial Statement Preparation, Profit & Loss (P&L), IT Service Management (ITSM), Team Leadership, Customer Service, Business Analysis, Analysis, Mobile, SWOT Analysis, Training & Training Content Development, Research, Primary Research, Secondary Research, Marketing Collateral Development, Card Payments, Online Payments, Mobile Payments, Payment APIs, Payment Gateways, Bank Transactions, Call Centers, SMS Marketing, SEO Marketing, Product Launch, Product Sales, Productivity, Portfolio Reporting, Financing, Certified Scrum Product Owner (CSPO), Design Systems, Process Design, Vendor Management, Technical Requirements, Process Documentation, Product Leadership, Team Management, Back-end as a Service (BaaS), Stakeholder Management, UX Design, Management, Derivatives, Data Structures, Private Banking, Open Banking APIs, Websites, Business to Government (B2G), Incident Management, Human Resources (HR), Project Planning, Machine Learning, Blockchain & Cryptocurrency, Blockchain as a Service, C++, Algorithms, Object-oriented Programming (OOP), Leadership, Mobile Wallet, .NET Core, Excel 365, Salesforce, Employee Training, Business Planning, Startups, Fintech
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