CH SANTOSH KUMAR

Email: chsantoshkumar84@gmail.com

Phone: +91-9581893232

PROFILE SUMMARY COMPETENCIES

A devoted product owner with about 12.5 years of experience in Product Roadmap
building both B2B & B2C solutions in payments & trade finance domains. Communication
Also, adept at identifying & driving process improvement initiatives. Agile Tools (Rally,JIRA)
Problem Solving
Product Backlog
Process Mapping
Stakeholder Mgmt.
Training
Technical Skills
EDUCATION

PGP from Indian School of Business, Hyderabad,2014

BSc Mathematics (Hons), Ranchi University,2005
Six Sigma Green Belt, PwC,2010

WORK EXPERIENCE
1) Product Owner & Business Consultant |Cognizant Technology Solutions |May 2014 – Jan 2020

a) Digital Product Development:

Responsibilities:

o Research, evaluate and understand customer needs & business priorities

o Prioritize needs & ensure alignment between engineering, customer and business needs
o Identify and manage dependencies on other product teams
o Devise product roadmap & obtain stakeholder buy-in
o Conduct business and technical analysis of requirements
o Create user journeys, personas, mock-ups, features and user stories (product backlog)
o Own, prioritize and manage releases to drive value in accordance with business priorities
o Routinely engage with UX, architecture and engineering teams to resolve issues as reqd.
o Conduct user acceptance testing, build user manuals & maintain documentation
o Provide support to marketing and sales teams
o Analyze metrics to understand customer & product performance
o Manage key relationships & communication with all stakeholders
o Mentor junior team members

Key Achievements:

Built a web-based solution for offer & campaign mgmt. for a global bank (Improved GTM time by 60%)
Built a credit card product across mobile & web channels for a US based fintech player
Conceived & developed a simplified digital solution for customer on-boarding for a leading global Bank
(improved customer acquisition rates by 15%)
Built a scalable API for on-boarding partner channels for a leading cards player (uplift of ~ 20 % in digital
acquisitions business).
Transformed digital acquisitions platform (across form factors) across 21 markets for a major global Bank (uplift
of customer acquisition rates by 30%)
Devised a revamped onboarding solution leveraging OCR technology (improved customer acquisition rates
by 25%)
 b) Business Development, Thought Leadership & Training

Responsibilities:

o Devise pitches, design RFP responses in collaboration with technical & other domain experts
o Build domain assets, solution accelerators & practice development decks in the banking & payments domain
o Mentor junior colleagues & impart BFSI domain training to new joiners

Key Achievements:

Led proposals for several marquee clients by devising the content & providing strategic direction to the teams
involved - helped win deals worth ~ $ 3Million.
Mentored sub-ordinates & imparted BFSI training to over 250 associates.

2) Product Owner & Operations Lead | IDBI Bank Ltd | July 2006 – March 2013

a) Digital Product Development:

Responsibilities:

o Anticipate, research & understand customer needs and market trends

o Define product vision create product roadmap & obtain management buy-in
o Undertake business and technical analysis of requirements
o Create customer journey maps, mock-ups, FRDs.
o Oversee the product development stages & evaluate progress – ensure timely release of features
o Manage key relationships & communication with all stakeholders
o Conduct user acceptance testing & build user/product manuals
o Train end users and mentor junior team members.

Key Achievements:

Built an application for digital storage & maintenance of customer records, enabling instant records retrieval &
seamless availability.
Revamped the Bank's Intranet (catering to over 1500 internal users) helping in better information delivery &
superior employee services.
Built a web application for digital processing of client requests (reduced TAT from a day to less than 15 minutes ~
98% improvement) thereby creating customer delight.
Led the implementation of SFMS (Structured Financial Messaging System) for real time (instant transmission)
processing of inland documentary credits.
Led customizations in core banking solution to enhance customer satisfaction & reduce operational risk.

b) Operations Excellence:

Responsibilities:

o Identify opportunities for business process transformation

o Assemble team & drive engagements
o Impart learnings to other BUs

Key Achievements:

Led a six sigma project for improving depository operations (cost benefits to the tune of $ 1 million pa &
improvement in turnaround time by over 40 %)
Identified & implemented process improvements thereby improving turnaround time of various processes by
over 70%, reducing operational risk, costs & improving customer satisfaction