ACADEMIC QUALIFICATIONS

BSc: Sardar Patel university

PGPMAX, MBA: Indian School of Business

PROFILE SUMMARY

Former CIO with extensive years of leadership experience across global banking and technology ecosystems. Proven expertise in digital transformation, enterprise IT strategy, cloud modernisation, AI/GenAI adoption, cybersecurity, regulatory compliance and technology governance, driving secure, scalable and customer-centric transformation programmes. Held senior leadership positions at SBI, HSBC, HDFC Bank, Capgemini, and Oracle, consistently delivering enterprise-scale impact.

CONSULTING EXPERIENCE

2 years

EXPERIENCE HIGHLIGHTS

Founder I Transformation and Future-Tech Leader September 2024 - Present
- Shaping Strategy. Accelerating Transformation.
- Provides advisory services focusing on AI/ML strategy, cloud transformation, enterprise architecture, and data governance.

State Bank of India
Chief Information Officer (CIO) November 2022 - August 2024
- Directed enterprise IT strategy and delivered customer-centric digital platforms.

Strategic IT Vision and Leadership
- Aligned SBI’s IT strategy with business goals, fostering a culture of innovation and building a cohesive technology roadmap
- Communicated the bank’s technology strategy to stakeholders, enabling a unified approach to digital transformation
⁠- Drive Innovation HUB strategy and start on a small scale with identified challenges in the bank as PoC
- Connected and signed MoUs for digital transformation with government agencies, such as STPI, RBI Innovation Hub, all IITs, and a few others. Launched CBDC during the G20 summit for all foreign delegates to purchase goodies using digital currency
- Cloud policy and procedure, including evaluation criteria for identifying applications to be deployed on private, public, or hybrid cloud

Digital Transformation
- Led digital initiatives that enhanced customer experience, including integrating a single platform for omnichannel banking
- Strengthened fintech partnerships, leveraging these relationships to enrich SBI’s digital services.
- Completed successfully PoC of Devsecops
⁠- Completed a few application deployments on the cloud

Data Management and Accessibility
- Overhauled SBI’s data infrastructure to enable near real-time access, improving decision-making and customer engagement

Cybersecurity and Compliance
- Established strong IT governance and compliance structures, ensuring data security and regulatory adherence.
- Developed a data resiliency safeguarding the bank’s data assets

HSBC
Chief Information Officer (CIO), India July 2019 - October 2022
- Drove enterprise technology transformation and modernised banking operations.
- As a critical member of the Global Talent Pool of Senior IT leaders at the bank and the Country CIO of the bank's third-largest global market, I worked closely with the Global Capability Centre (GCC).
- Leading a team of over 1,000 members at the GCC, we drove initiatives across all Business Units, including product development and API integrations with core banking systems.
- Additionally, oversaw cloud initiatives in collaboration with the Centre of Excellence (CoE) for Cloud at HSBC GCC.
- Cross-functional leadership involvement spanned Global Markets, Wholesale Banking, and Retail Banking.
- Spearheaded digital transformation initiatives across all lines of business and subsidiaries, effectively leading IT and functional teams.
- Part of the Global IT Leadership team to implement operational resilience strategies in line with DORA (Digital Operational Resilience Act) requirements, enhancing HSBC's preparedness against digital disruptions and ensuring compliance with EU regulations
- Led HSBC’s compliance initiative for India’s data localisation rules, overseeing the analysis of 1,500+ applications and migration of 300 systems. This project ensured payment data processed abroad was deleted and returned to India within 24 hours, aligning with regulatory requirements for data resiliency and strengthening HSBC’s data governance
- Directed the implementation of innovative digital solutions for Open Account Trade and significantly enhanced retail banking customer experience for online liability account opening.
- Introduced a robust cybersecurity and IT risk management framework, strengthening organizational resilience and security

HDFC Bank
Sr VP-IT & Head Software Development Centre of Excellence (CoE) and PMO April 2017 - July 2019
- Spearheaded software development initiatives.- Drove strategic Solutions Roadmap.
- Led the software development team, developing multi-utility applications, including digital platforms, mobile apps, and automation.
- Managed the PMO team for complex and transformational projects, successfully delivering them across the bank.

Senior Vice President-IT & Head IT Infrastructure (July 2014 - Mar 2017)
HDFC Bank Jul 2007 till Jun 2019
- Managed IT infrastructure, end-user computing, and network architecture for 4700+ branches, supporting 110k+ employees.
- Led initiatives like predictive diagnosis to enable self-healing, reducing incidences and improving SLAs from 85% to 99%.
- Implemented process automation and cost optimisation initiatives, including new branch roll-out.

Sr Vice President-IT & Head BPR Analytics & BI (Apr 2009 - June 2014)
Vice President-IT & Head BPR & BI (July 2007 - Mar 2009)
- Developed strategies for best-in-class solutions, leading IT solutions aligned with business planning and managing a team of 100+ BAs and IT professionals.
- Led transformational initiatives, including launching digital self-service platforms, consolidating applications, and implementing fraud detection solutions.
- Championed IT governance using SOX and COBIT frameworks.
- Led the launch of CRM and an end-to-end corporate banking solution
- Revamped the data warehouse for near real-time data across business units to drive customer engagement and sales
- Enhanced fintech partnerships for digital transformation
- Implemented a single-platform for omnichannel banking
- Integrated multi-bureau credit insights
- Developed a centralised contact centre solution
- Planned and executed the IT strategy for HDFC Securities Limited (HSL)
- Led the Bank's compliance with FATCA, implementing systems to identify and report U.S. account holders, ensuring regulatory adherence, and protecting the

Capgemini
Engagement Manager July 2005 - June 2007
- Implemented a loan and mortgage solution for a leading bank.
- Provided business and technical solutions for a major Nordic bank's loans and mortgages, managing program delivery and stakeholder interfaces.
- Implemented governance frameworks for successful project completion.

I Flex Solutions Ltd
Programme Manager May 1998 - June 2005
- Led pioneering Internet banking product projects including various roles.