Nikhil Kumar

• Managed end-to-end lifecycle of SEBI-regulated PMS & Fixed Income products; prioritised roadmap based on market
trends and compliance.
• Deployed LLM-based assistants and AI analytics, reducing reporting turnaround from days to hours and freeing analyst
capacity— aligned with DIFC Innovation Hubs responsible AI agenda.
• Spearheaded Bond KYC onboarding workflows, ensuring full compliance and operational efficiency— analogous to
UAE Open Finance digital onboarding flows.
• Coordinated with Compliance, Technology, and Operations to prioritise product requirements under SEBI
regulatory framework, mirroring CBUAEs risk-based supervisory approach.
• Enhanced HNI engagement via WhatsApp Business API campaigns, improving digital touchpoints and product
adoption.

• Owned P&L and end-to-end product management for MSME digital lending; scaled Savings Account OD outreach 8x
(AED 12M → AED 88M) — comparable to SME products at Emirates NBD, Mashreq, and FAB under CBUAE
frameworks.
• Integrated digital signature solutions, reducing TAT by 60% while maintaining compliance under RBI frameworks—
applicable to UAEs Electronic Transactions and Trust Services Law.
• Defined product requirements via BRDs, Figma wireframes, and Agile sprints; aligned cross-functional squads across
Tech, Risk, Ops, and Compliance.
• Led GTM strategy: segmentation, pricing, channel planning; aligned cross-functional squads for successful Agile
delivery.

• Improved digital channel conversion by translating tele-calling insights into actionable product enhancements.
• Owned API integration with PolicyBazaar, ensuring accurate product syndication and smooth onboarding.
• Conducted structured competitive analysis to sharpen product positioning, directly contributing to improved conversion
on aggregator platforms.

• Executed GTM strategy across Bank and Broking Partner channels; achieved 110% new business growth.
• Designed partner enablement programs to improve product penetration across regulated insurance
products.
• Managed stakeholding with Operations and Underwriting for smooth product onboarding under IRDAI regulatory
framework — comparable to UAE Insurance Authority (IA) regulation.

• Onboarded 7+ corporates under Corporate NPS, exceeding acquisition targets.
• Assessed feasibility and executed GTM strategy for Corporate and Individual National Pension Scheme across
Bangalore Circle.
• Delivered corporate training and ensured high service quality in banking operations.