Summary
Overview
Work History
Education
Skills
Awards
Volunteer Experience
Languages
Accomplishments
Affiliations
Timeline
Generic

Sneha Koparkar

Whitby,Ontario

Summary

Innovative Product Management professional bringing expansive product lifecycle knowledge and trend forecasting expertise. Well-versed in creating and managing effective product strategy to align with corporate goals. Talented Product Strategist with demonstrated record of success in marketing management and campaign development. Successful at overseeing all stages of initiatives, building positive relationships and promoting products with innovative and forward-thinking approaches. Gifted at leading new product development, executing projects and overseeing launches. Customer-focused when reviewing user feedback to drive improvements.

Overview

12
12
years of professional experience

Work History

Senior Product Manager, Credit Risk Solutions

TransUnion
10.2023 - Current
  • Managed TU’s Core Credit Risk Products and Solutions across customer verticals (Banks, Auto, Mortgage, Fintechs, Credit Lenders, Insurance), and directed critical business decisions on Credit, Risk, Portfolio, Collections and Marketing strategies
  • Drove thought leadership and new product innovation (NPI) to ingest and load Alternate Data (Rental, Buy Now Pay Later and Credit Builder) for Open Banking infrastructure and Global IP Diffusion to create credit files and establish credit worthiness for new to credit/new to Canada consumer, by partnering with Data Science and Analytics team
  • Designed the product strategy and managed the solution roadmap for new product development for enhancements in Credit Reports ($36M revenue) and Credit Vision Scores ($42M revenue) across online and offline delivery and distribution channels
  • Developed 3-year product vision to deliver new product features from inception to launch by constant iterations on business requirement and optimized customer on-boarding experience and billing process with Sales Operations (Salesforce/PeopleSoft)
  • Worked with Product Owners/SMEs/Developers/Engineers and leveraged Agile Scrum Methodology to provide strategic direction, gathered business requirement, created user stories (Jira/Confluence), navigated approvals and prioritize product backlog
  • Led cross-functional efforts on sales feedback and voice of customers to build business cases (ROI), formulated minimum viable features (MVPs), designed digital process workflows (Salesforce) and planned workshops with local and global stakeholders
  • Partnered with Data Acquisition, Data Services and Data Operations teams to ingest new data types (Rental, Credit Builder, BNPL, Income) in the TU databases to build new products API driven Develop-a-Portal platform capability for partnership integration.

Product Strategy Lead, Group Banking & High Value

BMO
03.2020 - 08.2024
  • End-to-end management of BMO’s largest B2B group banking (payroll and expense management) segment driving customer acquisition strategy and building strong relationships with internal One Bank partners – Business & Commercial Banking Customers
  • Grew the customer portfolio by 14K+ customers, 950+ employers, Product/Customer (4.5), Balance ($2 Bn), Revenue ($1.5M), Digitally Active (85%) by building strong product value proposition, lifecycle journeys, digital solutions and performance scorecard
  • Launched BMO Smart Progress, first ever digital literacy platform with self-served learning capability to help customers make real financial progress and defined go-to-market strategy with targeted marketing campaigns to improve customer adoption
  • Implemented digital on-boarding journey on a Tablet application (assisted digital sales tool) for seamless on-boarding experience at point-of-sale to achieve customer acquisition growth with digital experience, completed sales training and upgraded policies
  • Launched and managed national level program with Amazon, PwC, Commissionaire, Sigma Loyalty by engaging with internal partners including Marketing, Product, Business Operations, Digital Sales and Marketing, Specialized Sales Group, Contact Centre
  • Responsible for Affluent Customers growth strategy by defining approach to drive share of wallet (SOW) opportunity ~$55M (in Balances) & ~320M (in Revenue) by identifying customer needs, right product offers, marketing and contact strategy
  • Created end-to-end product roadmap and executed tactics to track business priorities, key performance indicators, gathered insights to drive product vision and made recommendations basis industry trends, competitive landscape, market opportunities
  • Conducted market research and competitive trends for value proposition benchmarks and completed pilot testing to offer dedicated virtual banker as relationship manager for portfolio management to deepen customer relationships.

Senior Manager

Citibank
03.2017 - 11.2019
  • End-to-end management of product and profitability to drive key business metrics like Through-The-Door and Digital channels, portfolio management on 30/90-day card activation, spends, receivables and revolving / transacting balances and revenue
  • Managed ‘Travel and Cashback’ cards portfolio of $30mn revenue, 250K customers, $170mn receivable, $150mn spends; along with growth business strategy, value propositions, credit policy, operations processes and digital transformation
  • Implemented global product initiatives on ‘Cards Rebranding’ and ‘Contactless Payments’ for 2.2M credit cardholders and governed network relationships with Visa and Mastercard to ensure alignment and adherence to regulatory compliance
  • Spearheaded marketing assets and sales enablement like acquisition forms, card plastic, statements / letters / alerts, and digital content for Citi Mobile App and www.citi.com website to enhance lifecycle experience of early on-boarding stages.

Manager, Digital Acquisition and Sales Planning

Citibank
03.2013 - 02.2017
  • Led a team of channel Relation Managers to drive channel acquisition, fostered teamwork and collaboration to drive digital sales by managing annual budget ($700K) for incentive campaigns, optimizing capacity and reducing overall costs of acquisition
  • Spearheaded ‘always-on’ campaigns to acquire 12K cards/month through organic channels (Digital and ATM) and affiliate marketing strategy with media partners on Google, Facebook and Paid Social
  • Ran pre-approved cards campaign with new policy to achieve 52% acquisition growth by improving funnel efficiencies and implemented a Digital ‘Straight Through Process’ using OTP to achieve digital contribution on overall acquisition
  • Partnered with product on managing ‘Annual Budget’ and ‘Marketing Calendar’ to achieved digital penetration (35%), channel efficiency (21%) and approval rates (15%) driving both top and bottom of the funnel efficiencies
  • Developed recognition campaign construct and performance dashboard on incentive structure for 700+ sales force across profiles and improved sales productivity, product participation and product/customer depth
  • Managed ‘Refer a Friend’ ambassador program annually (resulting in 21% YoY) and saved ~$50K annually by digital process transformation and fulfilment process rationalization by partnering with stakeholders on digital initiatives.

Asst. Product Manager, Savings A/C and Debit Card

Citibank
03.2012 - 02.2013
  • Responsible for managing savings accounts book and driving initiatives for government of India’s UIDAI project for Debit Cards
  • Launched ‘Direct Benefit Transfer’ to facilitate biometric payments by partnering with National Payments Corporation of India
  • Conducted reactivation campaigns for dormant accounts and account transfers by linking unique IDs with biometric data.

Education

Certificate Organization Behaviour and Leadership -

Smith School of Business, Queen’s University, Toronto
01.2022

Master of Business Administration (MBA) – Marketing & Strategy -

Indian Institute of Management (IIM) Lucknow
12.2010

Bachelor of Engineering (B.E) - Electronics and Telecommunication -

Mumbai University
10.2006

Skills

  • Technical Product Management
  • B2B / B2B2C Product Strategy
  • New Product Development
  • Digital Product/Platform Owner
  • Agile Scrum Methodology
  • Credit Risk Products and Solutions
  • New Product Innovation (NPI)
  • Product Strategy and Roadmap
  • Customer On-boarding Experience
  • Business Cases (ROI)
  • B2B and B2C Customer Segments Strategy
  • Customer Acquisition Strategy
  • Product Value Proposition
  • Lifecycle Journeys
  • Digital Solutions
  • Go-to-Market Strategy
  • Digital On-boarding Journey
  • Customers Growth Strategy
  • Value Proposition Benchmarks
  • Product and Profitability Management
  • Portfolio Management
  • Marketing Assets and Sales Enablement
  • Affiliate Marketing Strategy
  • Business Strategy

Awards

  • Quarterly Spotlight award for strong leadership, collaborative approach and creating FY22/23 business strategy, 2022
  • Awarded ‘Certificate of Appreciation’ for go live of the centralized customer repository for Cards Business (CKYC), 2019
  • Won Citi’s ‘Power of ONE’ award for exemplary work on ATM network excellence and on ‘LEAN’ project deliver, 2017
  • Won the ‘Country Business Manager’ Award for ‘Corporate Coverage & Deepening’ and ‘Direct Benefit Transfer’, 2015

Volunteer Experience

  • Core Committee Member, Sponsorship Team at BMO’s Annual Giving Campaign ‘Winter Wish’ to support United Ways
  • Core Committee Member, Diversity Council (Citi’s Women Network) and Business Liaison for Learning & Development

Languages

English
Professional
Hindi
Professional
Marathi
Professional

Accomplishments

§ Quarterly Spotlight award for strong leadership, collaborative approach and creating FY22/23 business strategy 2022

§ Awarded ‘Certificate of Appreciation’ for go live of the centralized customer repository for Cards Business (CKYC) 2019

§ Won Citi’s ‘Power of ONE’ award for exemplary work on ATM network excellence and on ‘LEAN’ project deliver 2017

§ Won the ‘Country Business Manager’ Award for ‘Corporate Coverage & Deepening’ and ‘Direct Benefit Transfer’ 2015

Affiliations

§ Core Committee Member, Sponsorship Team at BMO’s Annual Giving Campaign‘Winter Wish’ to support United Ways 2020

§ Core Committee Member, Diversity Council (Citi’s Women Network) and Business Liaison for Learning & Development 2017

Timeline

Senior Product Manager, Credit Risk Solutions

TransUnion
10.2023 - Current

Product Strategy Lead, Group Banking & High Value

BMO
03.2020 - 08.2024

Senior Manager

Citibank
03.2017 - 11.2019

Manager, Digital Acquisition and Sales Planning

Citibank
03.2013 - 02.2017

Asst. Product Manager, Savings A/C and Debit Card

Citibank
03.2012 - 02.2013

Certificate Organization Behaviour and Leadership -

Smith School of Business, Queen’s University, Toronto

Master of Business Administration (MBA) – Marketing & Strategy -

Indian Institute of Management (IIM) Lucknow

Bachelor of Engineering (B.E) - Electronics and Telecommunication -

Mumbai University

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Sneha Koparkar