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Arushi Kharbanda

@arushikharbanda

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I build and grow payments and banking products through strategy, commercialization, and lifecycle optimization.

India

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What I'm looking for

I'm looking to lead product strategy, commercialization, and growth for payments or banking products, partnering across technology, analytics, risk, sales, and operations to build customer-centric experiences and scalable portfolio growth.

At Paytm Payments Bank, I lead growth and strategy for Savings Accounts, Debit Cards, and Fixed Deposits. I drove 9% YoY CASA growth, 10% YoY active debit-card-user growth, and reduced churn by 20% through lifecycle campaigns and funnel optimization.

I own the P&L for a ₹700 crore Debit Card product, improving profitability by 5% YoY while growing revenue through interchange, transaction fees, float income, and cross-sell. I also built a GenAI-powered campaign management system using Claude and deployed AI voice agents to improve acquisition, engagement, and lead qualification.

Previously at Paytm, I led NCMC launch, pricing, strategy, analytics, and partner growth across India. I helped reach 14% market share in eight months, increased acquisition by 30%, and scaled issuance to one lakh cards per month.

My experience also includes product strategy consulting at Gartner, credit-card portfolio management at Axis Bank, and SAP-MM implementation at Accenture. Across payments, banking, and financial services, I use data, partnerships, and cross-functional execution to improve product performance and customer journeys.

Experience

Work history, roles, and key accomplishments

Current

Lead- Product Growth, Strategy

Current

Paytm Payments Bank

Nov 2023 - Present (2 years 10 months)

Managed banking products including savings accounts, debit cards, and fixed deposits, focusing on product strategy, pricing, marketing, and sales. Drove portfolio growth and profitability through data-driven initiatives and lifecycle campaigns.

Product Strategy Pricing Marketing Sales Data Analysis Lifecycle Campaigns Funnel Optimization P&L management GenAI Claude WhatsApp SMS Push Notifications AI Voice Agent

Lead – Product Growth, Marketing & Strategy

Paytm

Mar 2022 - Oct 2023 (1 year 7 months)

Led the launch and growth of NCMC product across India, including pricing strategy, business case development, and analytics. Managed partnerships with transit authorities and drove significant market share and customer acquisition.

Product Launch Pricing Strategy Business Case Development Analytics Partnership Management API Integration PRD Creation Sprint Planning User Stories Backlog Management UAT UI UX Referral Programs Market Mix Sales Enablement

Consultant – Product Strategy

Gartner

Feb 2019 - Mar 2022 (3 years 1 month)

Managed B2B client relationships and multi-channel marketing programs for C-suite stakeholders across NA, EMEA, and APAC. Led digital marketing transformation and developed go-to-market collateral to drive revenue and retention.

Customer Relationship Management Digital Marketing Power BI Lead Generation Retention Go To Market Eloqua Email Campaigns Mobile Adoption

Portfolio Manager - Credit Cards

Axis Bank

Jun 2017 - Feb 2019 (1 year 8 months)

Managed credit card acquisition, partner-led marketing campaigns, and customer lifecycle management. Conducted customer profiling and A/B testing to drive card spending and engagement.

Credit Card Acquisition Partner Marketing Customer Lifecycle Management Customer Profiling A B Testing Segmentation Portfolio Growth Cross Selling

Internship

Small Industries Development Bank of India

Apr 2016 - Jun 2016 (2 months)

Conducted primary and secondary research with e-commerce vendors to identify working capital challenges and proposed a SIDBI-backed low-interest loan solution in partnership with an e-commerce platform.

Research Working Capital Management Financial Inclusion

Software Engineering Analyst

Accenture

Mar 2013 - May 2015 (2 years 2 months)

Consulted US and Indian retail clients on SAP-MM ERP implementation, improving project efficiency by 40% through cross-functional collaboration and process optimization.

SAPMM ERP Implementation Consulting Process Optimization Cross Functional Collaboration