In the business of driving growth by seeing and hearing what others do, but thinking and implementing what others do not.
Like my marathon running I build for the long haul.
As the CDO at HDBFS, I am accountable for
Ownership of the 3 year strategy plan to increase the customer base ( 5 Cr by 2029), cross sell ( 1.75 products per customer), digital assets ( web, app, martech), AI driven customer journeys and geographical reach
Building the Product Center of Excellence and equip Product Managers across Consumer Finance, Asset Finance, Personal Loans, Gold Loans, Equipment Finance to deliver on Profitability, Productivity and New Initiatives
Brand Love - Build a strong emotional connect of the customer with brand HDB , this would reflect ion NPS scores ( 55+) and cross sell ( 1.75 products + per customer)
Setting up the Analytics Function with focus on model building to drive - Cross Sell, Customer Retention, Products/ Customer
Setting up the Data Office to drive Data Governance
Clear Positioning to drive Growth with #Hojayega and sports association with Haryana Steelers (PKL) to attract quality customers.
Brand Visibility – launched HDB’s 1st ever mass media campaign with the Pro Kabaddi and reached over 20 Cr of our TG
Overseeing Internal Branding, Employee Engagement, IPO related Marketing
Repurpose PR to deliver on brand KPI and visibility on AI platforms
As a representative of the consumer on the leadership table of Fino, I delivered on
Creating preference for Fino in a very cluttered and commoditized market - using the basic principles of marketing and behavioural economics
Liabilities -Acquisition and Balance Build up
Growing customer LTV
Driving subscription revenues- we offer subscription based bank accounts!
Acquisition of channel partners
Analytics - to drive LTV and monetize data
Revenue targets - I deliver on Renewals ( INR 125 Cr) , Customer Acquisition (15% + of all customers acquired are directly attributable to marketing campaigns) , Distribution Acquisition ( 15% of all distribution partners acquired are directly attributable to marketing campaigns) , Balance build Up
Simply put my marketing and analytics teams are profit centers.
Co Founded Ormax Money -India's most respected firm of consumer behaviorists focused on the BFSI space. To all our client partners we were the consumer voice on the marketing table.
The best of brands worked with us for only 2 reasons - We were personally involved in every project we did ( the reports bore our name) and we ( still are) stood by our recomendations.
An alumnus of IIM Lucknow ( 1999) and SPCE ( Civil Engineering, 1996) with experience across BFSI, Retail , Education I have figured that one framework with works well- CC and CF
Conceptual Clarity - get your fundae right
Contextual Familiarity - Figure where to apply what!
