Niharika Deshpande
Driving Innovation in Credit Line on UPI | Fintech Product & Compliance | Credit Cards | Digital Lending | Partnerships | Yes Bank
- Role
- Vice President Credit Cards & Digital Lending at YES BANK
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Niharika Deshpande
I’m a Banker passionate about building credit solutions that are innovative and…
Experience
Vice President Credit Cards & Digital Lending
Nov 2021 — Present · Mumbai, IN
Key Achievements: • Led end-to-end launch of Credit Line on UPI, in collaboration with BharatPe and Navi, aligning the product structure with RBI’s Digital Lending Guidelines and Master Direction on Credit Cards. • Defined the complete product and regulatory framework, covering customer onboarding, credit line management, billing, refund handling, etc. • Worked closely with NPCI, LSPs and TSPs to implement seamless credit provisioning and repayment on UPI rails. • Spearheaded cross-functional collaboration across Compliance, Legal, Risk, Operations, Marketing and Technology teams to ensure product readiness and audit compliance. • Designed digital application journeys and product CVP in line with fair lending and disclosure norms. • Previously managed YES BANK’s credit card portfolio, driving product innovation, partnerships (Mastercard, VISA, RuPay) and customer experience enhancements.
Education
D.A.V.Public School
HSC
2003 — 2005
Patna University
B.Sc
2005 — 2008
Sri Balaji University,Pune
PGDM
2010 — 2012
Find verified contacts for anyone on LinkedIn
Unifers gives sales teams verified emails and direct dials, enriched profiles, and outreach that lands in the inbox.
Free plan included · No credit card required
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.