Headline

Scaling Digital Banking Products (Consumer & Business) | AU Small Finance Bank | IIT Kharagpur

About

I build and scale digital financial products across consumer and business banking. I have been part of AU Small Finance Bank’s journey from its early days as a bank, giving me the opportunity to help build digital banking capabilities from the ground up — across infrastructure, customer journeys, and product ecosystems. At AU, I’ve led the creation and scale-up of AU 0101, growing it to 3.7M+ users, and launched AU 0101 Business, a mobile-first platform serving businesses across segments. Beyond products, I have built and scaled product teams, defined product strategy, and driven execution across business, technology, and design. Prior to this, I worked in Corporate Strategy at Nomura, partnering with the COO’s office on strategic initiatives. I hold a degree from IIT Kharagpur. I enjoy building at scale in high-velocity environments, particularly across consumer platforms, and financial services.

Location

Mumbai

AI stack

antigravity

codex

Work experience

Head of Digital Products at AU SMALL FINANCE BANK, Aug 2020 - Present · 6 yrs 1 mo, Mumbai, Maharashtra, India, Over the past several years, I have led the development of mobile-first banking products (consumer & SME) covering onboarding, payments, engagement, servicing and growth — driving a step-change in digital penetration and customer experience.

Lead, Retail Lending Initiatives at AU SMALL FINANCE BANK, Jul 2019 - Aug 2020 · 1 yr 2 mos, Mumbai Metropolitan Region, Led new initiatives for AU's flagship Auto Loan business across sales, credit and operations

Digital Strategy, MD & CEO's Office at AU SMALL FINANCE BANK, Dec 2017 - Jul 2019 · 1 yr 8 mos, Jaipur, Rajasthan, India, Supporting executive leadership to build a modern banking franchise

Corporate Strategy at Nomura, Jul 2016 - Dec 2017 · 1 yr 6 mos, Mumbai / London / Tokyo, Part of 25 membered global strategy team covering Global Markets and Investment Banking businesses of Nomura. Advised CXOs in strategic decision making Key Projects ~ Asia Fintech ~ Merchant Banking ~ Inorganic growth opportunities ~ Institutionalising client strategy ~ Investor Relations

Management Consultant at EY, May 2015 - Jul 2015 · 3 mos, Gurgaon / Chennai, India, Advised Fortune 500 OEM for setting up a manufacturing facility in India

Education

Bachelor’s & Master's Degree, Engineering, Indian Institute of Technology, Kharagpur

Level 1, CFA institute