Bhaskar Gupta
National Head - Credit Cards | IDFC FIRST Bank | 20+ yrs in Cards & Payments, Consumer Lending & Fintech Partnerships | Business Builder : 4 mn Cards in 4 yrs
- Role
- National Head - Credit Cards at IDFC FIRST Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Bhaskar Gupta
Business Management professional with over 23 years of experience in the areas of Financial Services - Cards & Payments; Consumer Lending; Digital Solutions & Journeys; Product Management; Fintech Platforms; Strategic Partnerships; Loyalty Programs; Large Distribution Channels; Working with PSUs; and Industrial Sales & MarketingCurrently designated as National Head - Credit Cards, with IDFC FIRST Bank, based at Mumbai, conributed towards 4 mn Credit Cards portfolio in 4 years at IDFC FIRST Bank; FD backed Secured Credit Cards portfolio of 250 k customers : 32nd issuer in 2021 at launch, 4th largest in 2025Business Launch : Credit Cards ( and PL ): Co-led the cards launch project as Project Lead - Credit Cards, anchoring the cross functional project team from concept design to GTM stage; Set up the PL Business from design to GTM stageStrong understanding of profitability levers, P&L management; Sales & Distribution strategies; Digital Journeys; Fintech partnerships; new product development & allied processes; people management, and business analytics
Experience
National Head - Credit Cards
May 2022 — Present · Mumbai, IN
S&D Architecture across geographies for a fully digital and integrated D2C customer sourcing model across ETB & NTB Customer segments - Roadmap for 4 mn customers;Successful GTM and for 16 products across Consumer & Commercial Cards segments - Millennials / Mass Affluent / Emerging Affluent & Affluent / Premium & HNI; Business and Corporate Cards;FD-backed secured credit cards through data-led targeting, digital sourcing, and branch enablement models - 250k Secured Cards portfolioDigital onboarding & lifecycle management journeys, customer journey designs & implementation, embedded with VKYC process;New Products and their acquisition strategies - Customer interface, Acquisition Channels, Risk framework and Analytics, Digital Acquisition, Communication Strategies, Onboarding flows & funnels, Fulfillment & Service Delivery;Risk frameworks, Underwriting designs, Scorecards & Risk Models;PnL Modelling for various product lines - Revenue Lines, Fee Income, Network Income Lines, Product amendments, Communication strategies, Implementation framework
Education
Indian Institute of Technology (Indian School of Mines), Dhanbad
B.Tech., Mechanical Engineering
1993 — 1997
IISWBM, Calcutta University
Master of Business Administration - MBA, Marketing
IISWBM, Calcutta University
MBA, Marketing
2000 — 2002
Skills
- People Skills
- Channel Sales
- Partnerships
- Team Management
- Distributed Team Management
- Relationship Management
- Channel Partners
- Sales
- Sales Management
- Key Account Management
- Leadership
- Cross Selling
- Management
- Business Development
- Distribution Strategies
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