Neha Mittal

About Neha Mittal

With over 17 years of experience, I am a Vice President of Products at HDFC Bank, specializing in digital strategy and customer lifecycle management. My work focuses on leading product strategy and driving the end-to-end lifecycle of innovative co-branded credit cards, ensuring alignment with partner brand positioning and customer needs. I collaborate with strategic partners to deliver customer-centric value propositions while managing complete P&L responsibilities, including revenue, cost, profitability, and ROI tracking. My professional journey reflects a consistent emphasis on creating differentiated offerings and enhancing user experience through improved UI/UX and innovative product features. Guided by values of collaboration, customer-first approaches, and continuous learning, I am committed to fostering strategic partnerships and delivering impactful financial solutions in the payments ecosystem.

Experience

1. Vice President of Products Co-branded Credit Cards

   HDFC Bank

   Jul 2025 — Present · Mumbai, IN

   Successfully launched 10+ Co-Branded Credit Cards including product restaging and deliver acquisition strategy for Partner-driven and Bank-led sourcing.Product Strategy: Co-created Credit cards (Google Pay, PhonePe, Marriott, Paytm, IOCL, Shoppers Stop, IRCTC, Indigo, Pine Labs, FlipKart Wholesale, Retailio) aligned with partner Brand positioning & customer needs.Created differentiated value propositions, reward structures, and features with enhanced UI/ UX in application, onboarding & usage.Building win-win relationships with strategic partners by negotiating commercial terms, cost sharing models, and marketing commitments.Ownership of complete P&L - Revenue, Cost, Profitability & ROI tracking.Driving digital innovation and embedding robust credit, fraud and operational risk controls in product design and journey.Delivering 1M+ cards annually and maintaining partner-led sourcing % contribution.

Education

• Bangalore University

  M.Sc, Biotechnology

  2005 — 2007

• St. Mary's Convent Sr. Sec. School

  Higher Secondary, Biology, Mathematics

  1998 — 2001

• Rajasthan University

  B.Sc, Industrial Microbiology;

  2002 — 2005

Skills

• Project Management/ Execution
• • Digital Acquisition
• Business Analysis
• Launch Cross Sell/ Partner Products
• Forecasting
• Underwriting
• Strategic Planning
• Grievances
• Digital Channel Management
• Product & Brand Strategy
• Product Development
• Budget and Periodic Cost Reporting
• E-Commerce & E-Procurement
• Insurance
• Business Strategy
• Enhance Usage and Revenue Metrics
• Vendor Management
• Healthcare
• New Product & Service Launch
• Statistical Data Mining and Analysis
• Operations Management
• Business Relationship Management
• Health Insurance
• • Statistical Data Mining/Analysis
• General Insurance
• P&L Management
• Customer Relationship Management (Crm)
• Network Underwriting
• Relationship Management
• Cross Media Advertising & Marketing
• Negotiation, Persuasion and Communication
• • Cross Sell/ Partner Products
• Team Management