---
title: "Deepak Agarwal - Head of Digital Products in Mumbai | Tal"
description: "Meet Deepak Agarwal, Scaling Digital Banking Products (Consumer & Business) | AU Small Finance Bank | IIT Kharagpur based in Mumbai. AI stack includes antigravity and codex."
image: "https://tal.club/meet/deepak-agarwal/share-image"
---

# Deepak Agarwal on Tal

## 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

[View the original profile](https://tal.club/meet/deepak-agarwal)

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