I’m Vikram, with over 2.5 years of experience as a non-technical professional who found his way into banking — learning, building, and scaling products across India’s Banking ecosystem. My journey began as an Associate Consultant at The Digital Fifth, a consulting firm driving digital transformation for banks and fintechs. Through projects and exposure to training programs for organizations like Google, Flipkart, and some major Banks, I built a strong foundation in Digital Banking, Fintech Strategy, and Product Innovation, and learned how technology, regulation, and customer needs converge within the financial ecosystem. At Shivalik Small Finance Bank, I transitioned from learning to building. I worked on digital product initiatives from conceptualization to design, launch, scale, and continuous optimization — translating business needs into user-centric, scalable digital experiences. Today, I’m with AU Small Finance Bank as a Cross-Sell Strategist, working across retail, corporate, and digital segments. My focus is on creating integrated, data-driven programs that connect products and channels to enhance engagement, adoption, and revenue growth. Having experienced the BFSI world through consulting, execution, and strategy, I now help professionals and founders understand how digital banking products are truly built, scaled, and optimized — bridging the gap between strategy on paper and execution in reality. Core Skill Set Digital Banking & Payments: Digital Channels (Retail & Corporate), Pay-in & Payout Journeys Product Lifecycle Management: Conceptualization, Design, Launch, Scale & Optimization Fintech Strategy: Bank–Fintech Partnerships, Open Banking, Digital Product Innovation Program Management: Cross-Sell Strategy, Growth Initiatives, Customer Engagement Compliance & Governance: Regulatory Awareness, Risk Mitigation, Secure Onboarding