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Neha Nikam

@nehanikam

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Product Manager driving credit-card growth through payments and customer engagement.

India

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What I'm looking for

I’m looking for a product management role in payments/credit cards where I can scale customer engagement, deepen merchant partnerships, and use analytics to grow portfolios and improve profitability.

I’m a Product Manager with experience in credit cards, payments, and customer engagement, currently owning growth, engagement, and portfolio performance for a 30+ card portfolio.

I spearhead customer lifecycle and engagement strategy across 90 lakh+ customers, running analytics-led campaigns and personalized communication programs that helped drive ~5% YoY growth in portfolio spend.

I manage strategic partnerships with Apple, Google, Amazon, Flipkart, Visa, Mastercard, payment gateways, and 60+ merchant partners—enabling merchant-funded campaigns supporting ₹13,000 Cr+ monthly card spends and improving activation, engagement, and spend-per-active-card.

I also lead portfolio profitability through ownership of ₹7 Cr annual communication budgets and ₹20 Cr+ merchant-funded investments, and I lead/mentor analysts while partnering across Product, Technology, Analytics, Marketing, Operations, and Risk to deliver scalable customer-centric solutions.

Experience

Work history, roles, and key accomplishments

Current

Product Manager - Credit Cards

Current

Axis Bank Private Limited

Jul 2024 - Present (1 year 11 months)

Own growth, engagement, and portfolio performance for a 30+ credit card portfolio with annualized customer spends exceeding ₹2.7 lakh crore, driving ~5% YoY growth in portfolio spends.
Lead customer lifecycle and engagement strategy across 90 lakh+ customers, including analytics-led campaigns.

Credit Cards Payments Product Management Portfolio Growth Customer Engagement Strategy Customer Segmentation Merchant Partnerships Power BI Tableau Advanced Excel

Business Development Intern

Vedant Fashions Limited

Apr 2023 - Jun 2023 (2 months)

Analyzed performance across 50+ stores and 30+ competing brands to identify revenue and footfall drivers that informed new store expansion decisions. Built customer journey frameworks and recommended operational SOPs using market and sensitivity analysis to improve store productivity and brand consistency.

Competitive Analysis Store Expansion Planning Customer Journey Mapping Business Development SOPs Data Driven Decision Making Advanced Excel