Shubhanshu Gupta

About Shubhanshu Gupta

Visionary executive with 16+ years of experience across Banking, Fintech, and Telecom sectors. Expert in driving digital strategy, business transformation, and MarTech implementation. Proven track record in scaling digital sales, designing customer-centric digital journeys, and managing high-impact digital initiatives. Adept at aligning digital innovation with business objectives to enhance customer experience, operational efficiency, and revenue growth.CORE COMPETENCIES- Digital Lending Strategy & Transformation- Retail Asset Digitization (Secured/Unsecured)- Agile Delivery & Squad Leadership- MarTech & CRM Platforms (Adobe, Salesforce)- STP Journey Design & Optimization- Performance Marketing & Analytics- Product & Growth Strategy- Digital Partnerships & Ecosystems- Cross-functional Team Leadership

Experience

1. Head of Digital Product

   YES BANK

   Dec 2022 — Present · Mumbai, IN

   A core member of the retail assets leadership team, driving the bank’s digital transformation agenda across secured lending products. Led enterprise-level initiatives aligned with FY26 goals of 100% digital process adoption across lending lifecycle.Strategic Leadership & Digital Transformation- Defined and executed the long-term digital transformation roadmap for secured retail asset products (Wheels, Rural, EL, LAS), aligning with the bank’s goal of full process digitization by FY26- Designed and implemented the DIY lending and servicing framework for retail assets, enabling full self-service onboarding, documentation, and top-up loan requests.Technology Modernization & Automation- Directed end-to-end deployment of a new Loan Origination System (LOS) and Business Rule Engine (BRE) — improving risk accuracy and reducing loan processing TAT by over 70%- Architected the API infrastructure stack for key lending processes — enabling automated KYC, bureau pulls, document collection, income evaluation, and rule-based underwriting.Customer-Centric Journey Design- Built and deployed end-to-end STP (Straight Through Processing) digital journeys for top-up loans and bundled insurance offers, resulting in 18% MoM growth in disbursements and 3% insurance penetration across the eligible base- Launched QR-code-based journey framework at OEM and dealer outlets to enable real-time product offerings, eligibility checks, and contextual lead capture.Channel Innovation & Sales Enablement- Spearheaded the multi-channel digital sales engine across Mobile App, Website, Chatbot, and WhatsApp Banking — increasing NTB (new-to-bank) customer originations at reduced cost per lead- Developed and operationalized CRM-based dashboards that track loan KPIs in real-time, proactively flag high-risk accounts, and ensure RM accountability, contributing to a 5% reduction in delinquencies.

Education

• Indian Institute of Management Ahmedabad

  Executive Program in Digital Marketing, Business and Technology Program

• SPJIMR SP Jain Institute of Management & Research

  Leadership development program, Management

• University of Rajasthan

  Bachelor of Technology (B.Tech.), Electrical, Electronics and Communications Engineering

  2003 — 2007

• SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

  MBA, Marketing, Finance

  2008 — 2010

Skills

• Product Management
• Market Research
• Product Development
• Analysis
• Management
• Business Development
• Digital Marketing
• Supply Chain Management
• Data Analysis
• Produc
• Campaign Management
• Product Marketing
• Customer Life Cycle Management
• Pre-Sales
• Product Designing
• Business Intelligence
• Business Analysis
• Consulting
• Cross-Functional Team Leadership
• Customer Communication
• Team Management
• Analytical Skills