Puneet Garg

About Puneet Garg

I am completing 5 years in financial services, starting out in project management and gradually moving into product & strategy role. In this period, I’ve worked closely on how retail banking products are conceived, built, launched, and refined when things don’t work as planned.At RBL Bank, I currently work on initiatives that are shaping the next phase of cards business, including Credit Line on UPI, Add-on card journeys, re-targeting program and so on. The focus is not just on launch, but building things that can drive adoption, usage and long term business value. Earlier, in my co-brand role, I worked with two fintech partners, covering product strategy, partner alignment, and growth initiatives. The work went beyond launches — it involved understanding acquisition quality, addressing onboarding friction, aligning incentives with partners, and ensuring the program made commercial sense.Prior to above, some of the things I’ve owned or driven over the last few years include- End-to-end acquisition and onboarding journeys, including Video-KYC- Product strategy for the mass segment within the credit cards portfolio- Launching new journeys for existing card customers to improve activation and usage- Geographical Expansion- Portfolio-level initiatives such as card design consolidation and welcome kit revampEarlier in my career, I spent two years in the Retail Transformation / PMO function at RBL Bank — my first role in the organization. It allowed me to try & understand how large banks actually operate. I worked across multiple project categories including RPA, co-origination programs, data repositories, and bank-wide process improvements, collaborating with business, tech, risk, and operations teams. It was a steep learning curve and shaped how I approach execution and stakeholder management.Before joining RBL Bank, I completed my MBA from IIM Kashipur, with a specialization in Finance and Marketing. During my time there, I was actively involved in student leadership and academic initiatives — as an Executive Member of the Finance Club, President of the IIM Kashipur Toastmasters Club, part of the admissions support team, and a recipient of a need-cum-merit scholarship.Prior to that, I earned my Bachelor’s degree in Commerce from Kirorimal College, University of Delhi.

Experience

1. Senior Product Manager - Strategic Initiatives, Credit Cards

   RBL Bank

   Apr 2026 — Present · Gurugram, IN

   Recently moved into a strategic initiatives role within the credit cards business, working on programs across customer journeys, payments, and portfolio initiatives- Working on bank’s Credit Line on UPI proposition, covering product construct, customer journey, operating model and ecosystem readiness for a category the industry is still evolving around- Driving the creation of a digital add-on card journey for existing customers, aimed at building a stronger spend-led ecosystem around primary card relationship and expanding card usage within customer households- Building a retargeting program aimed at improving re-engagement and conversion across the acquisition funnel- Managing the live seamless journey for existing card customers, focused on improving customer experience and driving incremental card usage- Responsible for co-brand portfolio management and consolidation initiatives with BFL

Education

• Bal Mandir Senior Secondary School

  Business/Commerce, General

  2003 — 2016

• Indian Institute of Management Kashipur

  Master of Business Administration - MBA, Business Administration and Management, General

  2019 — 2021

• Kirori Mal College, University of Delhi

  Bachelor of Commerce - BCom, Business Administration and Management, General

  2016 — 2019