MANAS SEN

Experience

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  Cybage Software

  Sept 2014 - Apr 2017

  Software Developer
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  Institute of Rural Management Anand (IRMA)

  May 2017 - Apr 2019

  Convenor, Computer Commitee
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  Spandana Sphoorty Financial Limited

  May 2018 - Jul 2018

  Management Trainee

  1. Evaluated business strategies, performance and analysed impact to redefine processes to achieve branch targets across loan disbursement (LD) count, reduced instalment recovery time by 25% and reduced LD time by 33%.2. Trained 4 branch employees and implemented processes to increase sales of Blue Lemon products.3. Performed competitive analysis of 4 MFIs i.e. Spandana, L&T, Bandhan and Bharat Financials (West Bengal).4. Conducted daily field visits to verify ground realities, ensure process compliances i.e. New Group Formation, Compulsory Group Training, Group Recognition Test and solved urgent crisis issues like BM Advance. Show less

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  MicroSave - Financial Inclusion Consulting

  Oct 2018 - Dec 2018

  Management Trainee

  1. Explore, understand globally prevalent responsible digital lending and client protection principles2. Understand digital lenders perspective on responsible digital lending norms and practices along with pain points3. Understand customer perspective towards digital lending and their appropriateness4. Analyze gaps present in the adaptability of responsible lending and client protection principles by digital lenders in the Indian context5. Suggest measures to address gaps and enable an ecosystem of trust around digital lending for LMI customers in the Indian context Show less

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  Fincare Small Finance Bank

  May 2019 - May 2021

  Product Manager - Digital Saving Account product, Video-KYC, and Virtual Debit Card

  1. Analyzed, assessed, and re-designed Digital Savings Account opening process flow and UI/UX to reduce account opening duration by 16%2. Performed customer drop out data analysis, prioritizing use cases, identifying technical dependencies, and implement modified process resulting 30% increase in customer onboarding3. Accomplished Virtual Debit card issuance project and converted product cost line into revenue line by providing Physical Debit card on demand resulting cost saving by Rs. 1 crore for FY 2020-214. Executed Fine-purple Doorstep KYC project and slashed KYC cost by 32%5. Prepared Business Requirement Document, System flow, Product design, and digital marketing creatives for Product development and awareness6. Coordinated with BA, Development, and Testing team to ensure the development of various feature basis business plan developed7. Launched Digital and Telecalling campaigns for targeted customers based on strategic decisions to enhance product engagement and monitored conversions8. Conducted weekly sessions with cross-functional teams to understand issues faced; issue categorization, prioritization, and resolution Show less

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  ICICI Bank

  May 2021 - Jul 2022

  Senior Product Manager

  1. Managed Digital Fixed Deposit and Recurring Deposit customer journey on Internet Banking and Mobile application2. Authored requirements (user stories) for product features, finalized acceptance criteria and system architecture and oversaw development by working with stakeholders as needed, ensuring that customer, stakeholder, and market needs are met3. Analyze key metrics for launched products/features and feed learnings back into our product development and learning process4. Work collaboratively with Technical, Marketing, Operations, Legal and Compliance team to manage risk, analyze customer feedback, research, and resolve production issues Show less

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  Kotak Mahindra Bank

  Jul 2022 - now

  • Associate Vice President

    Apr 2023 - now

  • Chief Manager

    Jul 2022 - May 2023