Kshitija Kamtam
Düsseldorf
Summary
Creative and driven professional with 7+ years in strategy, digital payments, and financial services consulting. I specialize in digital strategy, business development, and growth management, with a proven record in leading successful projects, particularly in cards, wallets, QR payments, and faster payments. Leveraging my international MBA and global experience, I excel in collaborating with cross-functional teams, ensuring impactful results through strong stakeholder management and effective communication. Adaptable and results-oriented, I thrive in fast-paced environments, consistently driving digital transformation and delivering value through strategic initiatives and innovative solutions.
Overview
8
8
years of professional experience
5
5
Languages
Work History
Executive Assistant to the Managing Director
Techno Design GmbH
08.2023 - Current
- Assisted in decision-making processes by preparing comprehensive research reports on various topics.
- Facilitated the resolution of complex issues by acting as a liaison between the Managing Director and staff members or external partners.
- Enhanced office efficiency through meticulous organization and prioritization of tasks.
- Coordinated logistics for high-level meetings, ensuring a seamless experience for all attendees.
- Expedited decision-making processes with thorough preparation of meeting agendas, background materials, presentations, and minutes.
- Served as a trusted advisor to the Managing Director, offering valuable insights and recommendations based on extensive knowledge of company policies and procedures.
- Spearheaded strategic and operational projects, closely monitoring and improving company performance metrics.
- Created impactful business development presentations for potential clients, supporting growth initiatives.
- Prepared comprehensive, data-driven materials for board and quarterly strategy meetings, facilitating executive decision-making.
- Organized and facilitated senior management meetings, setting agendas, assigning action items, and following up on execution.
- Played a key role in strategic decision-making and managed cross-departmental projects, covering business development, sales, operations, and partnerships.
- Led the GOTS audit process within the first two months, achieving certification for Techno Design GmbH for the first time.
- Collaborated with global teams to enhance operational efficiency and support new business, M&A, and venture investment projects.
- Worked with senior management to initiate new projects and assist in various processes.
- Coordinated events and worked on ad hoc projects.
- Volunteered to help with special projects of varying degrees of complexity.
Growth Intern
Getsafe Digital GmbH
01.2023 - 07.2023
- Analyzed problems and worked with teams to develop solutions.
- Prepared project presentations and reports to assist senior staff.
- Contributed to a positive team environment by collaborating with fellow interns on group projects and presentations.
- Analyze current performances of the UK market of Getsafe on different aggregators
- Gap Analysis of low conversion rate and work on solutions for short term and long- term goals. Analysing the best partners in the market, then negotiating and securing contracts with them
- Building B2B partnerships to acquire new active customers, by promoting Getsafe services
- Data analysis on existing customer profile to identify more opportunity for revenues
- Successfully implemented strategies to improve the Trustpilot score
- Explored new technologies and approaches to streamline processes.
Working Student – Financial Services
PricewaterhouseCoopers
01.2022 - 06.2022
- Responsibilities: Financial Services, Consulting, Digital payments
- Assisted with RFPs, ensuring compliance with GDPR and PSD2 standards.
- Researched competition and customer needs for a bank’s credit card launch, contributing to proposal development.
- Published digital payments insights and collaborated on cross-functional projects.
Consultant
PricewaterhouseCoopers
08.2019 - 08.2021
- Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients.
- Managed client relationships through regular check-ins and updates on project progress.
- Evaluated client needs and expectations, establishing clear goals for each consulting engagement.
- Developed innovative strategies for clients, resulting in increased revenue and business growth.
- · Developed go-to-market strategy for a client resulting in a 30% increase in revenue within the first quarter of implementation.
- · Independently led end-to-end development of prepaid & debit card related complex strategy projects
- · Managed partnerships with Visa, Mastercard, Rupay, & co-branded partners to increase revenue by launching new product lines for client
- · Was a subject-matter expert for clients on digital payments and acted as main point of contact
- · Coordinated with a team of 7 cross-functional specialists and payment service provider, to develop a new data governance framework that improved data quality by 20% for a client
- · Collaborated with client’s top management to analyse key trends within customer experience data and identified areas for improvement; oversaw execution of targeted customer service initiatives that increased customer usage by 10%
- · Launched 4 co-branded card programs for clients within 6 months of joining
- Integrated digital KYC (e-KYC ) for co-branded prepaid card partner & reduced verification TAT from 7 days to 1 day for client
Business & Strategy Manager
HDFC Bank
07.2018 - 07.2019
- Managed complex projects from inception to completion, ensuring timely delivery within budget constraints.
- Developed comprehensive business plans that resulted in significant revenue growth and increased market share.
- Oversaw financial planning and forecasting activities, providing valuable insights for informed decision-making processes.
- Led client engagements and workstreams related to process improvements and operational analysis for customer-facing services and functions.
- · Developed and executed end to end partnerships with 7 new major e-commerce, leading to a 50% increase in transaction volume for PayZapp
- · Implemented faster payment for PayZapp wallet users resulting in a 40% reduction in
- payment processing time and 30% increase in transaction success rate
- Strategized new app features and onboarding of merchants /affiliates on Payzapp after careful analyses of potential synergy and growth.
- Optimized resource allocation by conducting thorough analysis, improving overall efficiency and productivity.
- Aligned strategic objectives with organizational goals by collaborating closely with senior leadership teams.
- Developed and executed a comprehensive marketing plan for the launch of a new app features, resulting in 20% increase in user engagement
- Implemented A/B testing strategies to optimize email, SMS & app notification campaigns,
- Leveraged key KPIs to analyze PayZapp transactions and drive growth strategies that contributed to a 3X (50Mn USD) increase in customer spends
- Implemented effective change management strategies for the successful integration of new processes.
- Established relationships with client stakeholders, supporting rapid account growth and sustainable development.
- Collaborated with cross-functional teams to analyze market trends and identify opportunities for expansion.
- Assessed internal capabilities and competitive landscape, formulating long-term growth strategies for the organization.
- Streamlined communication channels between departments to facilitate better collaboration and decisionmaking.
- Facilitated knowledge sharing among team members through regular workshops and training sessions, cultivating a high-performing work environment.
- Oversaw client and organizational teams throughout project lifecycles, supporting deliverable completion and troubleshooting obstacles.
- Conducted detailed market research to identify potential acquisition targets, resulting in successful mergers or partnerships.
- Leveraged analytics tools to gain deeper understanding of industry dynamics, informing strategy formulation efforts.
- Championed data-driven approaches to problem-solving, resulting in more effective strategies and solutions for the business.
- Enhanced overall business performance by identifying and addressing strategic gaps in the organization.
- Reviewed internal systems and organized training plans to address areas in need of improvement.
Business Analyst
Billdesk
02.2017 - 07.2019
- Actively participated in team meetings to share knowledge, exchange ideas, address challenges, and collaborate on potential solutions.
- Developed high-quality documentation to support training efforts, helping employees fully understand new systems and procedures.
- Streamlined project management with effective communication and collaboration across cross-functional teams.
- Performed gap analysis between existing systems or processes and desired state, identifying areas for improvement or enhancement.
- Led end-to-end integration of electronic bill payment and standing instruction functionality for 50+ banks, resulting in a seamless user experience and increased customer acquisition by 35%.
- Collaborated with product development team to onboard new merchants on platform
- Managed successful onboarding of over 100 merchants onto various payment apps and bank websites, resulting in a 50% increase in transaction volume within 8 months of launch
- Monitored performance metrics and investigated discrepancies to ensure quality assurance, reducing issue resolution time.
- Collaborated with cross-functional teams to strike balance between clients’ needs & business requirements, with on-time project completion & within budget for 7 high-profile clients.
- Identified and mitigated churn risks by implementing proactive measures to retain customers Achievements - Onboarded 6 merchants in first 2 months
Education
MBA - International Management
CBS, International Business School
Cologne, Germany 04.2001 -
MBA - Marketing
Jamnalal Bajaj Institute of Management Studies
Mumbai 04.2001 -
Bachelor of Science - Computer Engineering
Sardar Patel Institute of Technology
Mumbai 04.2001 -
Skills
- Collaborative Strategy Building
- Business Development
- Product Implementation
- Digital Products
- Digital Payments
- Microsoft Office
- Slack
- Customerio
- Jira
- Miro
Accomplishments
- CBS Non-EU Scholarship
- “Above & Beyond Award Individual” by PricewaterhouseCoopers LLP India, 2021
- “Gold Star Award’ for outstanding performance” by HDFC Bank 2019
Timeline
Executive Assistant to the Managing Director
Techno Design GmbH
08.2023 - Current
Growth Intern
Getsafe Digital GmbH
01.2023 - 07.2023
Working Student – Financial Services
PricewaterhouseCoopers
01.2022 - 06.2022
Consultant
PricewaterhouseCoopers
08.2019 - 08.2021
Business & Strategy Manager
HDFC Bank
07.2018 - 07.2019
Business Analyst
Billdesk
02.2017 - 07.2019
MBA - International Management
CBS, International Business School
04.2001 -
MBA - Marketing
Jamnalal Bajaj Institute of Management Studies
04.2001 -
Bachelor of Science - Computer Engineering
Sardar Patel Institute of Technology
04.2001 -
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