Digital

• Headed Digital function with 70+ branches, 15+ digital products, by leading a team of 70 members for the Bhavnagar region
• Increased adoption of digital products by 2X in 3 years to 1 lakh users by optimizing digital penetration, leveraging people connects through 150+ banking correspondences, outreach & awareness drives
• Led Digital literacy campaign for rural and semi-urban areas to educate customers about Digital Banking practices & Cyber fraud; Organized 300+ roadshows across 40+ villages to educate 50,000+ villagers
• Implemented a unique digital product – Paypoint for education institutions helping in the end-to-end solutions
• Managed 15+ products including Digital Payments, Mobile & Internet Banking, Digital Cards, e-lobby machines
• Migrated 50+ ATMs to a new operation model (from CAPEX to OPEX ) as part of BoB’s pan India strategic drive
• Selected amongst 1st for piloting new ATM operating model in 5 ATMs
• PAN India Topper in ATM availability: Attained 94% availability in my region against the industry average of 80%
• Appreciated by SDM/ Mayor, BoB Top Management for introducing an ATM mobility solution during the Covid-19 lockdown serving 100+ locations; adopted by multiple locations Pan India
• Suggested & implemented a Corporate driven ATM cash reconciliation system for all ATMs

IT

• Headed IT function with 70+ branches with a budget of INR 8 Cr; managed multiple hardware systems, software applications, networking equipment & internet connectivity
• Led the Core Banking Solution (CBS) integration of 3 banks (BoB, Dena, Vijaya) post amalgamations by migrating  70+ branches to Finacle 10
• Supported 150+ people for new system adoption by providing training & troubleshooting
• Improved branched connectivity by 80%  in 3 years by hardware modernization & creating additional network lines
• Managed 30+ vendors for smooth operations & support of entire IT infrastructure across region

Operational Leadership (as Head of Regional Operations)

• Led a team of 50+ officials across 72 branches in Gujarat to support operations related to cash management, inventory management, and expense management.
• Delivered internal field communications, hosted events with branch partners & promoted new product/program launches

Product Sales

• Disbursed loans worth INR 600 Cr supporting 50000+ applicants in 5 years in agriculture financing & various loan products such as personal loans, auto loans, housing loans, and education loans
• Provided feedback to Bank Product Management for the digitalization of entire audit-related activities .

Product Development

• Developed 30+ web - and mobile-based business applications for (order size: USD 5K –100K) for clients from 10+ countries
• Led a team of 10+ software developers, business analysts & software architects to plan, design, develop, test, and maintain applications

• Worked on applications for tax-tool for a UK professional services client, a health-tech app for a US startup, a feedback app for a Canadian firm, Plumbing Service app for an Australian Firm, etc.

iOS App Development

• Designed, developed, and unit-tested 30+ applications on iOS platform
• Ensured quick learning for iOS/Android development, cross-platform, CMS & full stack technologies

Web Development:

• Developed visually appealing front-end website architecture and translated designer mock-ups & wireframes into front-end code for 25+ websites and built resilient backend solutions

Client Support:

• Adopted agile scrum methodology to address issues of 20+ clients across diverse industries