nitishgaidhane@gmail.

com
Nitish Gaidhane +91-7588767977

Work Experience

Product and Portfolio Manager, Credit Cards, Yes Bank

(Sept, 2019 onwards) 1 year 4 months

• Responsible for launch of ‘Express Loan’- Over the Limit Personal Loan on Credit Cards Product
• Conceptualizing and designing end to end Product structure, sourcing process and customer
journey for Express Loan on Credit Card product
• Responsible for driving Within the Limit Personal Loan on Credit Cards business through channels,
tactical and digital interventions.
• Identifying and enabling new platforms and channels for driving WTL PLCC business- through YES
Mobile app, Net Banking, Two way SMS, CC smart statement, etc.
• Managing P&L for Loan on Cards business and identifying new opportunities to increase revenue.
• Performing month end review, revenue analysis and monthly forecasting activities for PLCC
business.
• Liaising with Business Intelligence, Data Analytics team to formulate the eligible customer base of
Personal Loan on Credit card
• Creating visibility and awareness about PLCC products across digital platforms.

Product Manager, Personal Loans, ICICI Bank

(July, 2016- Aug, 2019) 2 years 9 months

• Responsible for identification of new data sources and high conversion databases for Personal Loan
Digital Channels
• Responsible for generating business through PL Pre-approved data (Paperless 3 sec loan disbursal)
• Responsible for Customer service management for PL Digital Channels
• Experience in driving business through Digital lending by managing existing campaigns, creating
new campaigns, creating visibility of product and training relevant stakeholders
• Experience in managing product portfolio for fintechs & online partners for Personal loans
• Setting up new processes for TAT reduction and enhanced productivity
• Created and developed enablers (knowledge bites, opportunity triggers, MIS) for the various
channels that aided in sourcing
• Monitoring and tracking the implementation of the action plan designed for the specific regions
• Engaging with team in the preparation of product marketing plans and the establishment of
performance objectives in with Bank’s annual planning and performance management policies and
processes.
• Maintenance of profitability by managing the cost of acquisition of business of channel partners

Management Trainee, IDFC Asset Management Company

(May, 2015- June 2016) 1yr 1 month

 Analysing the impact of global market changes in different asset classes, translating them into
customer centric communication and ensuring its transmission to the market
 Monitoring mutual fund market, competitor activities to position our products in distribution
channels
 Interaction with various channel partners like Leading banks, independent financial advisors,
wealth distribution partners to enhance business
 Acquisition of new corporate clients for the organisation

Projects and Initiatives

Equity Research Project – Hero Motocorp

 Conducted macro-fundamental analysis by analysing financial reports of the company from various
databases & ratios of the two wheeler manufacturer to find out its financial health and project
feasibility
 Also performed equity analysis by means of peer comparison i.e. relative valuation of companies

Research Project- Indian Retail Industry

 Analysis of financial statements of a Mid & a Small cap company in retail industry i.e. Shoppers
Stop & V-Mart
 Conducted ratio analysis to evaluate various aspects of operating and financial performance of
companies such as efficiency, liquidity, profitability and solvency

Certifications

FLIP- Treasury and Capital Markets

NCFM- Financial Markets
NISM- Series V (A) Mutual Funds Module

Skills

Financial
Product Management, Portfolio Management, Business Development, Competition
Benchmarking, Campaign Management, Policy Training, Customer service management

Microsoft
MS Excel, MS Word, MS PowerPoint

Academics

Year of Aggregate
Course Institute & University
Passing Percentage
Welingkar Institute of Management
MMS -Finance 2015 5/7 GPA
Development & Research, University of Mumbai
BE - Mech University of Amravati 2011 67.64%
H.S.C. Maharashtra State Board 2007 58.00%
S.S.C. Maharashtra State Board 2005 86.66%