A L E X A N T O N Y

PAYMENTS & CARDS INDUSTRY

PROFESSIONAL

K E Y C O M P E T E N C I E S

Business Profitability

Portfolio Management

Building & Scaling platforms

Cross-Functional Leadership

Decision Making

Strategic thinking

Channel Management

Team Building & Relationship

Management

Communication & Presentation skills

Analytical skills

Partner,Vendor & Franchisee

Management

K E Y R E S U L T A R E A S

Cost & Income lines

Loyalty & Rewards, Partnerships

Spends/Balance Growth

Customer Activation, Engagement &

Segmentation

Mentoring & Coaching

CNP/Digital Experience, & business

growth

Rewards P& L

Campaign effectiveness

C O N N E C T W I T H M E !

Mobile: +1-647-***-****

adbpr6@r.postjobfree.com

2216, 8 Park Road, Toronto, M4W 3S5

LinkedIn:

www.linkedin.com/in/alexantony1

P R O F E S S I O N A L O V E R V I E W

Seasoned professional with 15+ years of progressive career in Payment Business and other Financial services

Extensive experience in managing Cards Product &

Portfolio, Loyalty, partnerships, Customer engagement, P&L management etc.,

Currently, helping clients to device Credit card issuance strategies.

Working on New Product Development : End-to-End

Was Directly Responsible for the performance of 15+ Credit Card variants.

Been a part of the core team which has built the largest credit-card business in the country with a dominant 53% Marketshare on outstanding (ENR)

Led the team which built successful Loyalty & Rewards Earn

& burn platforms

Built the bank's only E-Wallet and mobile payment platform

"PayZapp" for better customer engagement and driven it to success by scaling it to 13 million customers within 3 years of launch

Achieved $ 21.7 billion of Credit Card spends in a single year (30% of the market)

Consistently rated "Key Performer" and a part of "Talent Pool" of the bank - less than 5 percentile of the employees Took over an under-performing team and transformed to be awarded "Model team of the year" for exceptional cost to Income

Been a part of the core team which achieved 30%

marketshare in Cards-In-Force and Usage in record time Conceptualised and built the second largest travel & E- commerce platform for the bank

E D U C A T I O N

BUSINESS OF PAYMENTS 2019

Rotman school of Management, University of Toronto PGDBA(MBA) 2002 - 04

Loyola Institute of Business Administration -

Equivalent to Masters - WES

BACHELOR OF SCIENCE(STAT) 1998 - 2001

Loyola College, University of Madras, India -

Equivalent to Bachelors(3 years)- WES

W O R K E X P E R I E N C E

SENIOR PAYMENTS CONSULTANT

NorthCard Inc. Aug 2019 to present

Payments Consulting and New Product Development:

Helping clients on the Credit Card Issuing Strategies End-to-End management: Business Plan, Client pitch/Proposals, IT infrastructure setup, Laying down Operations road map, Tying up Legal, Accounting formalities, Contracts. Collaborative working with Partners and Clients.

VICE-PRESIDENT

Apr 2019 to Aug 2019 Hdfc Bank Ltd.

Responsible for spends of $26.9 billion, ENR of $ 10.2 billion, Activation rate of 72% in FY2019-20; Market Leadership by taking the share to 33% in Spends & 55% in ENR Leading a cross-functional team which is responsible for building a stand-alone Credit card mobile APP, covering Card Controls, Services, Rewards & Loyalty, Customer Experience Directly responsible for the perfomance of 15+ Credit Card variants Define Cross-Border and CNP Strategy, Drive Spends, Activation and build Partnerships Manage the Co-brand(Jet Airways) cards & Diners club franchisee relationships with objectives to drive spends, Activation & Marketing Digital experience for the CreditCard customers through APIs in various bank platforms Cost Reduction on Loyalty / Reward points management Processes to improve Authentication experience and Authorisation percentage New programs and process to curb Spend attrition, card closures, retention management Identify areas of Spend leakage and arrest them

Plan the team structure, Recruit, mentor and train a team of efficient product managers. DEPUTY VICE-PRESIDENT

Mar 2018 to Mar 2019

Head - Affluent, Premium & Super-Premium card portfolio 15+ Credit Card types Cross Border Loyalty Online Spends Partnerships Co-brand Cards Market leadership Diners Club Franchisee cards portfolio Digital Experience Autorization Authentication

HDFCBANK LTD. 2010 JAN - 2019 AUG

HDFC Bank Ltd. is India's Second largest Private sector bank and the Largest Credit card Issuer & Acquirer with over 53% market Share in "Outstanding balances", 30% market share in Spends and Cards-In-Force. The bank has over 36 million customers with over $113.3 billion in market Cap.(3rd largest) Launched a bank wide Credit Card Digital Platform to Earn&Burn Rewards - SmartBuy Driven SmartBuy to be the 2nd largest Travel portal, 4th largest Shopping portal Conceptualised and built Compare & Shop as a key feature of the platform Built & scaled 4 different Earn & Burn platforms for premium Card holders to drive Loyalty Lead the portfolio of Bank's innovative Mobile Payment platform - "PayZapp" with form factors like : Card-On-File, Mobile Wallet, Scan & Pay, SMS Pay, Pay using mobile/email 13 million Customers within 2.8 years of launch ( 60% other bank customers) Role involved Merchant partnerships, SDK / API integrations, Cross-functional leadership Scaled it to be the 2nd largest mobile wallet in the country for the bank customers Launched many features & benefits on both the platforms after extensive market research. Platform contribute to $428 mn in spends for the financial year. Mar'16 -Feb'18

Head-Mobile Payment portfolio & Digital customer Loyalty platforms ASST.VICE-PRESIDENT - CREDIT CARD PRODUCT & CLIENT ENGAGEMENT HDFC Bank Ltd. Dec 2012 to Mar 2015

Credit Cards Launch & Acquisition Classic, Gold & Platinum Cards Limit Mgmnt Upgrades Retention Attrition Management On-Boarding Activation Launched 2 Co-Brand cards in partnership with Times group & MasterCard and scaled them to Industry best Activation rate(85%) and Spend-per-card metric ($6,000 per year) Managed customer life cycle for the entire book (6.5 million cards) - Worked on policies for limit management, Upgrades and Loan-on-cards.

Scaled Limit Enhancement and Upgrade numbers from 40,000 to 425,000 in a month within 2 years of taking over.

Responsible for product management and product development (design & manufacturing), including strategy, forecasting, product features and value proposition, promotion, pricing and process enhancements for revenue and profitability optimization. Process Improvements in Attrition & Retention Management - resulted in 25% de-growth in Attrition and 48% growth in Retention

Contributed to 77% of Early Activation and 69% of Portfolio Activation ASST.VICE-PRESIDENT - CLIENT ENGMT & MOBILE PYMNT PORTFOLIO HDFC Bank Ltd. Apr 2015 to Feb 2016

Launch & Scale Mobile Payment APP Card-Not-Present spends & Activation Attrition Retention Dining Rewards & Loyalty P&L Revolve Rate Merchant & Partner Management Segmented Programs Revenue Enhancement Card-Not-Present -Key partnerships & programs scaled CNP penetration from 46% to 51% 10% further de-growth of Attrition and 50% Retention A new process with credit bureau helped curb silent attrition. Dining partnerships, Marketing helped contribute to 6% of PV ratio over 4% previous year Improved revolve rate by 50 basis points and overall spends growth by 36% Part of the core team which launched a mobile payment platform (PayZapp) and scaled to 1 million registered users within 10 months of launch Spend per card improved by 20%

Other Key actionables: Competition Tracking, Digital & offline Marketing, Communciation, Campaign management, Market Leadership, MCC width, Co-brand relationship DEPUTY VICE-PRESIDENT - LOYALTY & MOBILE PAYMENT PORTFOLIO ASSISTANT MANAGER

CitiBank N.A. Apr 2009 to Dec 2009

Key Account Management - Managed the large account corporates (like: Hewlatt-Packard, EDS, Cognizant Technologies, Verizon, Aricent technologies, Nokia, Sony Ericsson etc.) Lead a team of 5 Unit Managers from Sunlife Insurance to cross-sell Insurance products Certified Investment(AMFI) and Insurance Advisor(IRDA) to help the employees of the Key corporates on Investments

Worked very closely with Corporate and Business banking teams within the bank to get desired results (Cracked 5 key relationships through Cross-Functional efforts) Ensured Market Leadership in the region.

Organised various service and cross-sell desks at key corporates, which helped source/cross- sell new relationship, Accounts, Loans and other investment products Consistently won various awards for highest number of accounts opened and cross-sold other banking products

CITIBANK N.A. - 2006 Aug - 2009 Dec

Citibank N.A. in India is one of the leading Foreign banks in the country with over 3 million retail banking customers in the book and over $500 Mn PAT. I was offered a role by my then supervisor who saw me presenting in one of the corporates on Workplace marketing (MetLife). Consistently won various awards in Citibank during my tenure between 2006-2009

SENIOR MANAGER - AREA HEAD- CONTACT CENTRE

HDFC Bank Ltd. Jan 2010 to Feb 2011

Directly managed 6 Sales managers, 120 Tele-Calling Executives, 10 Field-Sales-Executives and 15 Insurance unit managers.

Awarded for bringing down the Cost-To-Income from 421% to 29% within a year of joining Shown a growth of over 400% in sales.

Set up a dedicated team for Early Activation of Credit Card customers and to the activation rate from 60% to 71%

Handled customer life cycle management and customer value management as propositions. Took over an under-performing team and transformed to be awarded "Model team of the year" for exceptional cost to Income

Shown consistent growth in Credit Card upgrades, Limit Enhancements, Loan-On-Card, BillPayment, Activation and Insurance products.

SR. PRODUCT MANAGER - CREDIT CARDS

HDFC Bank Ltd. Feb 2011 to Nov 2012

Headed the BillPayment product for Credit cards. Made key process and vendor changes which resuted in 3,233% growth in Auto-Pay registration (resulted in 15% growth in Activation rate and 23% growth in Spends.

Managed the Executive range of cards(Classic, Gold, Titanium and Platinum range), which consisted of 71% of Cards-In-Force and 54% of Total Spend volume. Launched Bill Presentment and Payment module for the bank customers. Managed all key deliverables of Credit cards product: From Marketing, Risk, Policy, Communication, Upgrades, Operations (Statements) etc., MetLife Insurance Jan 2005 to Aug 2006

One of the first Management Trainees to get promoted to Sales Manager position. Identify, Recruit and Manage a team of Financial Advisors ( Had a team size of 15 members) Execution of Sales Strategy- Increase market reach and penetration though Market segmentation, seek new customers and and increase sales volume. Front-ended the Workplace marketing initiative through which Corporate activities and cross-sell were done with Tax consultants.

One of the top 5 Sales managers of the batch in the entire country. Train, Mentor the advisors and help them build their customer base through cold calling, network building, Sales funnel mapping etc.

Performed regular Competition analysis

MANAGEMENT TRAINEE

SALES MANAGER - AGENCY SALES

MetLife Insurance May 2004 to Jan 2005

Consistently ranked as No.1 Management Trainee in the entire country. Won numerous awards including the prestigious Eagle Award, for staying on top in both Number Of Policies (NOP) and Value (Premium)

Sourced a policy with the highest premium in the Agency Sales history. The MD had traveled to Chennai and awarded for the business I brought in. Execution of Sales Strategy- Increase market reach and penetration though Market segmentation, seek new customers and and increase sales volume. Worked as a key member in the Workplace marketing initiative through which Corporate activities,Tax consulting and cross-sell were done with Tax consultants. Performed regular Competition analysis

[MetLife Insurance, a Fortune 100 and a top notch American insurance company was one of the last entrants in the Life Insurance industry in India. I was campus-recruited by MetLife Insurance in May 2004. I was consitently topping the sales chart for the batch and hence, was one of the first to get promoted to Sales Manager's position] RELATIONSHIP MANAGER

CitiBank N.A. Aug 2006 to Apr 2009

Key Account Management - To Acquire large, medium and small corporates and extend employee Salary account relationship at a corporate level Managed the exisitng key account relationship corporates ( like: Hewlatt-Packard, EDS, Cognizant Technologies, Verizon, Aricent technologies, Nokia, Sony Ericsson etc.) Ensure Market Leadership in the region.

Organised various service and cross-sell desks at key corporates, which helped source/cross- sell new relationship, Accounts, Loans and other investment products Scaled market share from 23% to 45% in Split Mandate corporates (where more than 1 bank was tied up for salary relationship)

Consistently won various awards for highest number of accounts opened and cross-sold other banking products

METLIFE INSURANCE - 2004 May - 2006 Aug

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