A D A RSH TIWA R I
E24ADARSHT@[Link], 8979002910
CAREER SUMMARY
Strategy-driven professional with 7+ years of experience in banking and fintech, now pivoting into management consulting. Proven record in driving
digital transformation, improving operational efficiency, and managing high-impact stakeholder relationships. Adept at cross-functional
collaboration and translating business needs into actionable insights through data and technology
PROFESSIONAL EXPERIENCE 83 Months
Assistant Manager, Canara Bank Aug 2016 to Jun 2023
PRODUCT MANAGEMENT
Defined product strategy and roadmap to achieve the product vision to launch a digital personal loan section in the mobile banking
application which resulted in 108% growth in the personal loan segment in 2022-23
Conceptualized data-driven and iterative approach to ensure value-based prioritization of product features.
Studied market trends and user feedback, and presented key insights to management and stakeholders
Collaborated with Engineering, Business and Design teams to build product features, managed product backlog, created user stories,
tracked sprint velocity and scrum ceremonies.
Spearheaded the integration of third-party APIs for real-time credit checks and KYC, reducing customer onboarding time by 35%.
DIGITAL TRANSFORMATION & PROGRAM MANAGEMENT
Managed the upgrade of Core Banking Solution Finacle 7.0 to Finacle 10.0 which included migration of 17000+ customer accounts.
Conducted upgrade assessment, prepared migration strategy, data management and stakeholder management.
Ensured end-to-end delivery of the program, business continuity, owned the quality and the validity of the migration processes and
operation.
Managed program schedule, scope, budgets, forecasts and resourcing levels; managed program risks and issues.
Led end-user training and change management for 50+ employees post-core banking migration, ensuring seamless adoption and zero
downtime.
DATA ANALYTICS & STRATEGY
Analyzed data sets related to customer demographics and financial position to offer relevant financial products, resulted exceeding
quarterly and annual targets by doubling the branch’s profit.
Analyzed patterns of potential NPA accounts and NPA accounts, resulting decrease in the NPA portfolio of the branch by 70%.
Designed a customer segmentation model using transaction patterns to improve cross-selling strategies, increasing product penetration by
25%.
AI/ML Experience
Launched a wealth management platform from scratch to provide personalized wealth management services using AI.
Co-ordinated with multiple teams and created the project plan and resource allocation.
Defined business requirements and data parameters for machine learning models to recommend investment products based on user risk
profiles.
SALES OF FINANCIAL PRODUCTS:
Consistently achieved or exceeded monthly sales targets by 15% for banking products including savings accounts, term deposits, credit
cards, and insurance.
Launched localized financial literacy workshops, resulting in a 20% increase in customer acquisition within semi-urban markets.
E D U C AT I O N
Name of course Passing Year Name of institute
Master Of Business Administration 2025 IIM, IIM INDORE
Advanced Leadership Programme 2024 SDA Bocconi, SDA Bocconi
BTech 2014 Motilal Nehru National Institute of Technology, National Institute of
Technology
ACHIEVEMENTS
Technical skills: Have knowledge of CRM, ERP, MS EXCEL, MS OFFICE, Power Point, Power BI, Have knowledge of CSPO, Lean Six
Sigma, Generative AI/ML concepts
Software skills: Have used FINACLE, FLEXCUBE, LAPS, SAS
Skills: Credit and Financial Analysis | Risk Management and Compliance | Business and Data analysis | Digital Transformation | Project and
Change management | Market Research and Business Development | Team management | Stakeholder Management | Credit and Risk
Management | Business process optimization | Vendor Management | | SQL | Power BI | Cost Benefit analysis | Microsoft Office Tools | Agile
Methodologies |
