12 years building loyalty programmes, partnership ecosystems, and subscription products that actually move revenue — across fintech, NBFC, retail, and travel. Based in Mumbai.
Each area maps directly to outcomes I have personally delivered at scale. Loyalty strategy runs through all of it — it is not one service among seven, it is the lens through which every partnership, every commercial model, and every GTM plan is designed.
End-to-end loyalty architecture — from the commercial model to the programme mechanics to the partner ecosystem that makes it viable. I have designed and scaled loyalty programmes across fintech, NBFC, retail, and travel. Bajaj Prime: 700K subscribers, 85% retention, Year 1. Gyftr: ₹8B in annual voucher revenue across 125+ brand partners. 45M vouchers distributed through the Bajaj ecosystem alone.
Build the partner network your business actually needs. Revenue-sharing models, tiering frameworks, SLA structures, and commercial playbooks that hold up at scale. Managed 125+ brand partnerships generating ₹8B annually.
Category launches, new market entries, and partnership-first GTM execution. Built infrastructure, commercial model, and partner network for Bajaj Prime from zero. Closed Fortune 500 RFPs at Xoxoday across EMEA, APAC, and NA.
End-to-end co-brand deal management — identification, pitch, negotiation, activation. Account tiering strategies that drove 35% uplift in high-value partner revenue.
Embedded growth leadership for businesses that need senior operator thinking without a full-time hire. Revenue architecture, channel strategy, org design, and hard commercial decisions.
Practitioner-level guidance for organisations entering markets where loyalty, rewards, and partnership ecosystems are the core business. Available for structured advisory, GLG expert calls, and market entry briefings.
I have built loyalty programmes from zero, inherited broken ones, and advised companies entering the space. The gap between a programme that drives genuine retention and one that drains budget while churning users is almost always the same set of mistakes — and almost always fixable.
Most programmes are built around cashback, points, and offers. Users engage while the offer runs, leave when it stops. Real loyalty is behavioural — it changes what a customer does, not just when they buy. The architecture that drives that is different from the one that drives a transaction. Most brands never make that distinction.
The welcome bonus is generous. The ongoing value proposition is thin. Customers join for the sign-up reward and churn at month three when the programme offers nothing they couldn't get elsewhere. The mechanics have to deliver perceived value at every touchpoint — not just the first one. Bajaj Prime was designed around this: 85% retention in Year 1 because the ongoing value was engineered, not assumed.
You cannot build a compelling loyalty programme in isolation. The redemption catalogue, the co-brand offers, the experiential rewards — these require a partner network that is commercially structured and actively managed. Most companies treat partner management as vendor management. The programmes that win treat it as a revenue function with its own P&L logic.
When NBFCs and banks enter the loyalty space, they bring risk frameworks and compliance thinking into a domain that requires customer experience thinking. The result is programmes that are technically sound and commercially inert. The companies that break through — Bajaj Finserv, select private banks — have had someone at the table who understands both sides. That is a rare profile.
You have product-market fit and need to grow without burning cash. I build partner-led growth engines and loyalty structures that large companies take years to develop — in weeks.
Moving fast with no playbook. I have built loyalty programmes and subscription products from zero, with no precedent. That operator experience is available to you now.
Complex organisations entering the loyalty and rewards space who need someone who has been on both sides — the commercial architecture and the customer experience design.
30–45 minutes. I listen more than I talk. The goal is to find the real constraint — not the one in the brief, the one underneath it.
Clear engagement scope: what we are solving, how we are measuring it, what format fits — retainer, project, fractional, or expert advisory.
I operate, not just advise. Loyalty programmes get designed and launched. Deals get negotiated. Pilots get run and measured.
Every engagement ends with a playbook your team can own and scale. The infrastructure I build should outlast the engagement.
No playbook. Designed the subscription product, built the loyalty architecture, onboarded 90+ brand partners, set the commercial model. ₹300M annual revenue and 85% retention at end of Year 1.
Full P&L ownership of India's largest independent voucher ecosystem. Account tiering drove 35% uplift in high-value partner revenue. 24% YoY growth sustained, 100% renewal rate among key accounts.
Scaled HP's B2B loyalty platform six-fold. Rebuilt data security post-breach, improved CSAT 28%, increased repeat purchase rates 22%. Secured a 3-year contract extension on the back of measurable retention outcomes.
Restructured partner commercials against significant internal resistance. Ran a 5-partner pilot, demonstrated 24% revenue improvement, then scaled to the full portfolio. 30% OPEX reduction, zero partner churn.
This practice exists because most organisations treat loyalty as a marketing programme. It is not. Loyalty is a commercial architecture — one that requires the same rigour as a P&L, the same depth as a product strategy, and a partner ecosystem that is actively managed, not passively maintained.
What gives this practice its edge is the breadth of markets I have operated in. I have built loyalty programmes for fintech companies in Bengaluru, voucher ecosystems for FMCG brands across India, CRM platforms for enterprise hardware, and experiential loyalty for travel. No two customer bases behave the same way. Having operated across metros — Mumbai, Delhi, Bengaluru — and served fundamentally different customer profiles gives me a read on what actually drives behaviour in each context. That is what separates loyalty architecture that works from loyalty architecture that looks good in a boardroom.
Growing up in a business family taught me that the only strategy worth building is one constructed entirely around the customer — their context, their switching costs, their real motivations. That principle runs through every engagement I take on.
Based in Mumbai. Available for retainer, project, fractional, and expert advisory engagements.
First call is always a conversation, not a pitch. If there's a fit, we'll know by the end of it.