C-Suite Executive | Growth Leader | Innovation & Transformation Expert

A seasoned executive with a proven track record in institution building and driving technologyled growth strategies that deliver business transformation, operational excellence, and market expansion. Renowned for his ability to align technology with strategic growth, he brings deep expertise in digital transformation, inclusive banking, public-private partnerships, and sustainable business innovation. He holds an Executive Management qualification from IIM Calcutta and a Graduate in Mathematics, Applied Mathematics, and Economics from Osmania University. As CEO of India Post Payments Bank (IPPB), served as a senior-level functionary within the Government of India, equivalent to Additional Secretary rank in the Ministry of Communications.

Core Expertise

Innovation & Transformation Leadership: Renowned for spearheading innovation, pioneering new business models, and leveraging emerging technologies to enhance products, operational efficiency, and revenue streams across the financial services ecosystem.

Generative AI Thought Leadership: Recognized pioneer in functional applications of Generative AI within the BFSI sector, with particular expertise in Voice AI and interface simplification. Active advisor to early-stage startups on leveraging foundational models to solve real-world challenges for digitally underserved segments. Known for bridging deep domain knowledge with emerging AI capabilities to architect inclusive, intuitive, and scalable solutions.

BFSI Domain Specialization: Deep expertise in Banking, Financial Services, and Insurance, particularly in rural markets. Extensive experience spans retail and institutional banking, digital banking, and product management across the complete spectrum of assets, liabilities, and transaction banking products.

Key Achievements

India Post Payments Bank Turnaround: Reversed organizational losses and achieved profitability within three years, driving remarkable revenue growth of 20X from ₹50 crores to over ₹1,000 crores. Successfully leveraged digital technology, product expansion, and India’s vast network of 200,000+ postmen to deliver doorstep digital banking services to rural India.

Digital Transformation at Equitas: Led Equitas’ evolution from startup to dominant market leader among Small Finance Banks. Established the institution as a digital-first bank and preferred fintech partner, driving ecosystem growth and innovation. Pioneered “Banking as a Service” model, enabling third-party fintech platforms to market banking products seamlessly.

Innovative Branch Banking at Axis Bank: Designed and executed a groundbreaking branch banking model for agriculture, MSME, and microfinance segments in emerging markets. Created self-contained banking units functioning as “Banks within a Bank,” successfully expanding agricultural and MFI business across emerging markets through integrated sales and operations leadership.