Sandeep Arora

• Product lifecycle management – research to launch, monitor to revamp, stabilize to grow.
• Para-banking Products: Bancassurance, MF, Trading account & other fee income Products, including Govt schemes
• TPP partners management – Product management, field support, revenue maximization, overall P&L management and customer/field team engagement.
• Customer lifecycle value optimization, Cross-Sell, Up-Sell, TPP, multichannel communication.
• Marketing – Brand, PR, Digital, Website, hyper local activities, media campaigns & tactical activation campaigns
• Digital Banking: Digital liabilities partner management, product conceptualization/launch, relationship management, revenue deliveries & marketing support, including VCIP revamp. Handled directly for a quarter.

• Product design, P & L management, launches, process & tech platform setup
• Demonstrated leadership skills in team mentoring, cross functional leadership & managing projects from concept to completion.
• Organized professional with expertise in managing resources and optimizing performance. Proficient in providing valuable insights and supporting decision-making processes. Committed to enhancing productivity and contributing to overall success.
• Super App – optimization on ‘My Jio’ for Banking. Key member of team working on new super-app for Jio Financial Services (Holding company)

• Product design, customer lifecycle value optimization, P & L management, launches and process setup
• Led consumer Banking product development, including Assets, Liabilities, cards, Insurance & Fee income
• Developed & managed digital payments and transaction banking suite
• Managed Para-banking (3rd party) products - Managing TPP P & L, and partner relationship
• Managed digital banking and channels: Product, tech & alliances
• Marketing: Brand (Advertisement, PR, ORM), IPO related, digital/social media & local area marketing

• Transformed Direct Business: Digital and direct to customer insurance Business
• P & L management for direct Business (Direct Sales Force, Digital Sales / Sourcing, Telemarketing, Tele-sales, Referral partner network & retail distribution)
• Alliances & Partnerships: Group companies - Bharti & AXA group (Retailer/Merchant/Distributor network), Digital & Call center Partnerships
• Customer Lifecycle value optimisation: Cross-sell, up-sell, analytics based campaigns, customer engagement
• Developed, coached and provided feedback to top-performing teams using strong leadership and analytical thinking skills.

• Headed Product, Marketing, Cross Sell & Digital initiatives for Personal Loan & Business Loan business
• Business strategy, product development, business P & L
• Brand management, digital marketing, brand collateral, marketing communication
• Product / Policy structuring for portfolio performance / yields

• Set up and expanded the scope of Alternate channels for Unsecured loans business
• Develop alternate channels of Business & maximize cross sell to bank customers through:

o Bank branches

o Direct Marketing & tele-marketing (DMTM)

o Top Corporate tie-ups

• P& L Management and Business Development

• Product Manager - Cross Sell, Mumbai - Feb 2005 to Mar 2006
• Area Sales Manager - North 2 (Punjab, Haryana, Himachal Pradesh, Chandigarh) - Apr 2004 to Feb 2005
• Area Sales Manager - Rajasthan - Feb 2002 to Mar 2004
• Sales Manager - East U. P. - Aug 2000 to Jan 2002