Headline

Regulated FinTech Leader | Building & scaling safe, compliant products and platforms

About

I’m a regulated FinTech leader (16+ yrs BFSI) with training across IIMC and BITS Pilani, and CSPO-certified. I work at the intersection of product, risk/compliance, fraud controls, and transformation—building scalable platforms that can grow without breaking governance. What I’m known for • Onboarding & KYC journey redesign: reduced turnaround time from ~5 days to ~30 minutes (compliance-by-design). • Platform scale (0→1→N): enabled 1,00,000+ new customer onboardings in 18 months and adoption by 2,000+ enterprise users. • Digital transformation at scale: reengineered ~72 legacy processes across 25+ banking products. • Data governance & data quality: built a Data Quality Management Platform, authored ~7,000 validation rules, implemented the “4T” framework (Detect, Correct, Prevent, Repeat), and rebuilt negative-list screening across 70+ lists. Current role AVP – Risk & Compliance at Innoviti Technologies (regulated Payment Aggregator). Functional scope includes Product (Payments/PA), AML, Risk, Fraud, Compliance and Internal Audit. Designated FIU-IND Principal Officer and RBI Nodal Officer.

Location

Bengaluru

Work experience

Assistant Vice President at Innoviti Technologies, Mar 2025 - Apr 2026 · 1 yr 2 mos, Bengaluru, Karnataka, India, I lead at the intersection of Product and Risk/Compliance to scale a cloud-based, mobile-first payments platform in a regulated environment. My scope covers Payments / Payment Aggregator (PA) product, AML, risk, fraud, compliance, and internal audit. I also serve as the FIU-IND Principal Officer and RBI Nodal Officer.

Associate Vice President at DCB Bank, Feb 2023 - Feb 2025 · 2 yrs 1 mo, Chennai, Tamil Nadu, India, Led data management and special projects in a regulated banking environment, driving data governance, regulatory reporting readiness, and remediation programs across business, operations, and technology stakeholders. Key contributions: * Owned RBI inspection / supervisory report closure for Operations, driving end-to-end remediation and regulator readiness for IRAR, MANC, and RMP observations. * Headed the regulatory reporting / data submissions unit for periodic and ad-hoc submissions to RBI and other statutory authorities, including data quality checks and sign-off governance. * Designed a Data Quality Management Platform to strengthen data reliability, monitoring, and control outcomes. * Improved data quality across multiple applications by defining validations, implementing monitoring, and driving remediation governance via the data quality platform. * Coined and implemented the “4T” data quality framework (DetecT, CorrecT, PrevenT, RepeaT) to institutionalize continuous improvement and sustained control maturity. * Authored the Data Quality Policy from scratch and created ~7,000 data rules for validation implementation and ongoing monitoring. * Rebuilt the negative-list screening solution covering internal and external negative lists, improving screening completeness and control effectiveness. * Acted as KYC SME, ensuring onboarding and data practices aligned to regulated expectations and operational controls.

Senior Manager at Computer Age Management Services Limited, Feb 2022 - Feb 2023 · 1 yr 1 mo, Chennai, Tamil Nadu, India, Led payments and settlements for the NPS ecosystem in a regulated environment.

Associate Vice President at DCB Bank, Sep 2018 - Feb 2022 · 3 yrs 6 mos, Chennai, Tamil Nadu, India, Led enterprise customer onboarding operations and platform delivery in a regulated banking environment, managing large cross-functional teams and driving end-to-end digital transformation of onboarding and related processes. Key contributions: * Awarded “Best Employee – 2018” for high-impact delivery and outcomes. * Led customer onboarding and account opening operations along with platform execution, managing org/team size up to 105 (operations, product coordination, QA/testing and vendor staff). * Transitioned onboarding platform delivery from vendor-led to in-house and drove transformation through process redesign and automation to improve scale and control outcomes. * Built the enterprise customer onboarding platform 0→1 (research, rules, prototype, pilot/CUG, UAT, rollout plan) and scaled 1→N to 2,000+ users, enabling 1,00,000+ onboardings in 18 months. * Delivered measurable productivity and control outcomes through platform + process redesign: 10X reduction in onboarding time, 6X cost savings over 4 years, 4X capacity increase without additional manpower, 98% reduction in errors, and 97% reduction in concurrent audit observations. * Reduced cost per acquisition (CPA) by 52% by digitizing and reengineering the end-to-end onboarding journey—optimizing steps, validations, and operational handoffs while maintaining regulated controls. * Led SDLC/UAT governance including 3,000+ test cases and managed API-led integrations, release readiness and controlled rollout. * Drove large-scale digital transformation of ~72 legacy processes across multiple banking products through process reengineering, automation enablement and rollout governance. * Improved First Time Resolution (FTR) for NRI service requests raised via internet banking by redesigning the processing workflow and quality checks—reducing incorrect/partial completion alerts from ~8% to <1%.

Multiple roles - Associate, Probationary Officer, Branch Head at State Bank of India, Mar 2009 - Sep 2018 · 9 yrs 7 mos, Vellore Area, India, Progressed from Clerk to PO and Deputy Manager; achieved All-India Rank #2 in the PO program. Built a strong foundation in end-to-end retail and commercial banking operations in a highly regulated environment, spanning customer onboarding, KYC controls, service delivery, and operational governance.

Education

Senior Management Program, Organizational Leadership, Indian Institute of Management, Calcutta

Master of Business Administration - MBA, Finance, BITS Pilani Work Integrated Learning Programmes