Headline

Associate Director – Projects| BFSI Transformation | KYC & Digital Onboarding | HDFC · SBI · HSBC · IndusInd

About

I build delivery functions that run reliably — not just fast. Over 9 years, I've moved deliberately across three domains: banking operations and automation (Kotak Mahindra Bank), capital markets analytics and product delivery (Indus Valley Partners), and large-scale BFSI transformation (Signzy Technologies). Each role was chosen to add a layer the previous one couldn't teach. At Signzy, I owned a ₹20+ Cr P&L portfolio — 17 programs, 45+ people, ~30% operating margin — delivering KYC, VKYC, and digital onboarding platforms for HDFC Bank, IndusInd, SBI, Bank of Baroda, HSBC, and PNB. Results in 13 months: → Onboarding cycle time halved → Client escalations down 80% → Portfolio revenue grown 32% → Application TAT cut from days to hours using LLM-based document classification Before that: delivered for global credit funds at IVP ($10.07 Bn AUM clients), and spent 5 years at Kotak building systems that saved 5,000+ man-hours annually and compressed charging TAT from T+50 days to real-time. What I bring to a structured organisation: Deep BFSI domain knowledge — KYC/VKYC, AML, digital onboarding, regulatory compliance (GST, GSTN, RBI guidelines), API ecosystems (NSDL, CKYC, DigiLocker, Aadhaar, MCA). I understand both the regulatory intent and the technical implementation. Governance-first delivery — I build SOPs, capacity models, release frameworks, and audit-readiness protocols that make programs predictable. InfoSec, Infra, and compliance reviews are not afterthoughts in how I work. Structured communication — automated reporting, hygiene scoring, and escalation frameworks mean leadership always has visibility without noise. Cloud-aware execution — all 17 programs run on AWS or Azure. I coordinate across infra, security, and product teams fluently. I hold an MBA (in Finance & Technology Management) and a B.Tech (in Computer Science) from NMIMS Mumbai. Certified Scrum Master. Currently exploring roles in banking technology, enterprise product delivery, or regulatory/compliance tech — where depth of execution matters more than pace of growth. Open to opportunities across India and remote opportunities for organizations based outside India. 📩 guptacharubhadra@gmail.com

Location

Bengaluru

AI stack

claude

deepseek

gemini

hugging face

n8n

ChatGPT

Work experience

Associate Director - Delivery at Signzy, Apr 2025 - Present · 1 yr 7 mos, Bengaluru, Full P&L accountability for a ₹15-20 Cr annual portfolio (~30% operating margin) across 17 concurrent programs and a 45+ member cross-functional team. In 13 months: • Onboarding cycle time reduced by 50% • Client escalation rate reduced by 80% • Portfolio revenue grown by 32% • Application TAT cut from 2–3 days to hours via API integration and LLM-based document OCR and classification Delivered KYC, VKYC, and digital onboarding for HDFC Bank, IndusInd Bank, SBI (PSPL), Bank of Baroda, HSBC, and PNB — across Saving, Credit card and Current account (Individual, Sole Prop, LLP, Pvt Ltd, OPC, and Partnership entities) on Web and Mobile. Built integrations across 40+ APIs: NSDL, UIDAI/Aadhaar, CKYC Registry, DigiLocker, MCA, GST, PAN, DL, Passport, and bank-proprietary systems. All programs on AWS / Azure. Enterprise onboarding: Sodexo, IOCL, Exchange 1. Built governance from scratch: SOPs, capacity models, release plans, InfoSec and audit readiness. Led hiring, mentoring of BAs and PMs, SteerCo forums, and client leadership reviews across all accounts.

Senior Business Analyst at Indus Valley Partners, Mar 2023 - Mar 2025 · 2 yrs 1 mo, Noida, Led delivery for global alternative investment clients including Cross Ocean Partners — $10.07 Bn AUM, $15.5 Bn deployed across credit strategies worldwide. Managed a team of 15–17 across BA, product, and QA. • 25% improvement in user engagement via Power BI dashboards replacing manual fund reporting • 40% reduction in post-deployment defects through structured UAT and migration to Monday.com • Requirements translated into BRDs and FRDs adopted into the core product roadmap Worked at CXO level across hedge funds and PE firms to define platform requirements and manage go-lives across investment accounting and reporting systems.

Senior Manager at Kotak Mahindra Bank, Apr 2022 - Mar 2023 · 1 yr, Mumbai, • Charging TAT reduced from T+50 days to real-time via API-based system redesign • 25% increase in charge recovery through Xelerate system upgrade • 5,000+ man-hours saved annually through automation • 100% GST compliance across all GSTN posting cycles Delivered digital branch initiatives and Banking Kiosk rollouts nationwide — BRD to UAT to production. Awards: Service Star of the Year 2021 · Emerging Star of the Year 2020

Manager at Kotak Mahindra Bank, Apr 2020 - Mar 2022 · 2 yrs, Mumbai, Maharashtra, India, Business Analyst / Technical Product Manager

Deputy Manager at Kotak Mahindra Bank, Jun 2018 - Mar 2020 · 1 yr 10 mos, Mumbai, Maharashtra, India, Business Analyst / Technical Product Manager

Management Intern at Vodafone Idea Limited, May 2017 - Sep 2017 · 5 mos, Mumbai Area, India, GST rollout project, migrated from existing VAT based tax system to central GST system with the complexities for different telecom circles.

Education

Master of Business Administration - MBA, Finance and Financial Management Services, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Bachelor of Technology - BTech, Computer Science, SVKM's NMIMS Mukesh Patel School of Technology Management & Engineering