---
title: "Shraddha Jose - Finance & Business Strategy Head in Chennai | Tal"
description: "Meet Shraddha Jose, Product, Operations & Transformation Leader | Co-Founder, Studio Moca Productions | Finance, Business Operations & Client Delivery | Ex-Citibank | Ex-Standard Chartered based in Chennai. AI stack includes ChatGPT."
image: "https://tal.club/meet/shraddha-jose/share-image"
---

# Shraddha Jose on Tal

## Headline

Product, Operations & Transformation Leader \| Co\-Founder, Studio Moca Productions \| Finance, Business Operations & Client Delivery \| Ex\-Citibank \| Ex\-Standard Chartered

## About

I am a banking transformation leader with 11\+ years of experience delivering large\-scale digital platforms, client lifecycle transformation, and operating model change across global banking environments\. My work sits at the intersection of business, technology, operations, and control — turning complex, operations\-heavy and document\-driven processes into scalable, customer\-centric digital journeys with measurable impact on turnaround time, cost\-to\-serve, and platform adoption\. I have led multi\-squad, cross\-functional delivery across web and mobile ecosystems, driving enterprise initiatives spanning onboarding, KYC, payments, card platforms, regulatory programs, and core digital banking transformation\. My early foundation in engineering enables me to build deep credibility with technology teams while aligning senior stakeholders around clear execution roadmaps and outcomes\. Beyond individual product launches, my focus has been on transformation at scale — simplifying fragmented processes, reducing manual dependency, and embedding structured, data\-driven ways of working that improve both client experience and operational resilience\. Alongside my banking career, I have also managed the strategy and operations of a creative production business, leading finance, legal, and commercial workflows end\-to\-end\. This has given me a first\-hand understanding of how banking complexity impacts real businesses, strengthening my ability to design solutions that are not only digitally robust but commercially and operationally practical\. Following a purposeful maternity break that expanded my perspective on leadership, prioritisation, and long\-term value creation, I am now re\-entering the industry with renewed focus on enterprise transformation roles in digital banking, transaction banking, and client lifecycle platforms\. Currently based in Chennai, India and open to global opportunities, I am particularly interested in roles where I can: • Lead large\-scale platform and onboarding transformation • Drive cost, productivity, and turnaround\-time improvements • Align business, technology, and operations around execution at scale • Build structured, high\-trust delivery environments Colleagues know me for bringing clarity to ambiguity, building strong cross\-functional alignment, and delivering complex programs with calm, consistent momentum\.

## Location

Chennai

## AI stack

ChatGPT

## Work experience

Finance & Business Strategy Head at Studio Moca Productions Pvt Ltd, Sep 2024 \- Present · 2 yrs 2 mos, Chennai, Tamil Nadu, India, Managing Director of a creative production house, overseeing strategic finance, operational leadership, and organizational growth\. Brought corporate financial discipline into a creative entrepreneurial setup\. Responsibilities: 1\. Led finance, accounting, payroll, and vendor contract negotiations\. 2\. Owned budgeting, forecasting, and cash flow planning across projects\. 3\. Directed project planning aligned with estimated time and effort\. Key Achievements: 1\. Reduced operating costs by over 25% through strategic restructuring\. 2\. Scaled operations from ad hoc freelance setups to a sustainable team model\. 3\. Built financial systems that enabled creative freedom with business discipline\. Strategic Tasks: 1\. Created frameworks for budget approvals and cost estimations per project\. 2\. Managed employee recruitment, performance reviews, and compensation planning\. 3\. Structured P&L processes to evaluate project profitability in real\-time\.

Senior Product Manager , Digital & Retail Banking Innovation at Standard Chartered Bank, Jul 2021 \- Aug 2024 · 3 yrs 2 mos, Chennai, Tamil Nadu, India, Product Owner, Digital Banking & Enterprise Transformation Owned digital banking delivery and led global enterprise transformation programs, driving operating model change, infrastructure optimisation, and large\-scale journey digitisation across multi\-country environments\. \- Global transformation scale & business impact \* Led a 49\-country data centre consolidation program, directing senior project managers globally and delivering $1\.5M in annual cost savings \* Reduced infrastructure footprint by 30% and delivered 1,030 tonnes CO₂ reduction, improving long\-term scalability and efficiency \* Improved internal customer satisfaction from 65% → 90% through end\-to\-end digitisation and process redesign \- Operating model & governance transformation \* Established execution governance, milestone tracking, and risk management frameworks for complex global programs \* Defined delivery workflows, prioritisation structures, and stakeholder cadences in initiatives with no pre\-existing operating model \* Acted as the single convergence point for business, technology, infrastructure, operations, and external vendors \- Digital platform delivery & execution discipline \* Served as Product Owner for key digital initiatives, translating business and operational demand into prioritised backlogs and executable sprint scope \* Achieved 97% MVP delivery reliability through structured capacity planning, dependency management, and dynamic scope reprioritisation \* Led cross\-functional agile squads, working hands\-on with developers, architects, and designers to deliver outcome\-driven releases \- Leadership in complex, capacity\-constrained environments \* Resolved cross\-team dependencies, delivery risks, and timeline conflicts across concurrent programs \* Brought structure, visibility, and execution predictability to ambiguous transformation initiatives

Assistant Vice President at Citi India, Jan 2020 \- Jul 2021 · 1 yr 7 mos, Chennai, Tamil Nadu, India, Owned the platform mandate for Citi India’s internet banking channel, managing a high\-volume digital business with 3M\+ monthly logins and \~$1B in transaction value, and driving the structural shift to digital as the primary servicing model\. \- Increased digital adoption from \~65% to \~85%, moving customers from assisted to self\-service journeys \- Positioned internet banking as a core strategic customer lifecycle platform \- Established a unified, outcome\-driven roadmap across business, technology, operations, compliance, legal, and marketing \- Acted as the single convergence point for senior stakeholders, accelerating prioritisation and release predictability \- Drove end\-to\-end digitisation of key servicing and onboarding journeys, including NRI account conversion \(TAT reduced from \~2 weeks to \~2 hours\) \- Implemented governance for regulatory delivery, platform downtime communication, and content & product compliance \- Partnered with engineering, operations, and contact centre to deliver consistent cross\-channel customer experience at scale Recognition: Citi Gratitude Silver Award \| Client Obsession – Above & Beyond

Senior Manager, Digital product management at Citi India, Feb 2018 \- Jan 2020 · 2 yrs, Tamil Nadu, India, Senior Product Manager – Digital Banking Platform \| Citi Led high\-risk, time\-critical digital and regulatory transformation programs across Citi Mobile and Citibank Online, establishing the execution model, governance, and cross\-functional alignment that enabled the platform’s subsequent scale and adoption\. Delivered multiple RBI\-mandated initiatives within aggressive regulatory timelines, balancing speed, control, and customer communication for a live, high\-volume digital channel Drove the rollout of strategic digital capabilities including Citi PayAll, recurring e\-mandates across cards and accounts, Pay with Points, online NRI account opening, and Single Customer Master migration — expanding the platform’s end\-to\-end customer lifecycle coverage Built foundational platform governance and control processes for regulatory reporting, statutory audits, content management, downtime communication, and product compliance Orchestrated multi\-squad, cross\-functional delivery across product, regional and local technology, design, operations, legal, marketing, and servicing teams, creating a repeatable execution model for large programs Used UX insights and service performance data to drive cross\-channel issue resolution and customer experience improvements at scale Mentored and aligned internship programs to live transformation initiatives, strengthening the delivery pipeline

Management Associate at Citi India, Jun 2016 \- Feb 2018 · 1 yr 9 mos, India, Product Manager, ATMs & Branch Strategy  Responsible for deployment strategy, display screen management & customer communication for ATMs • Implemented incentive campaigns ensuing saving of \~ USD 150K through decrease in off\-us transactions • Rationalized the cost by \~USD 750M revising the product offers, partnering with sales and business teams  SPOC for improving digital penetration via campaigns & projects at all Citi branches • Conducted regular meetings to share updates with senior management on Always Teach Digital Campaign • Singlehandedly managed all customer communication related to branch relocation projects • Executed RBI campaign on financial literacy for branches aimed at improving financial literacy of customers Award : Consumer Business Manager Award ‘17 – Customer communication and journey revamp Project Manager, Innovation Council • Driven digital innovations from strategy to implementation by running POCs, creating test cases, etc\. • Designed solution & launched Aadhaar verification with UIDAI & seeding across Citi channels & products by partnering with vendors and senior management seamlessly • Executed Citi Campus Innovation Challenge\- 2016 for B\-schools collaborating with Business seniors & HRs

Summer Intern , Global Consumer Group at Citibank India, Apr 2015 \- Jun 2015 · 3 mos, Greater Chennai Area, Interned with Global Consumer Group in Digital Banking team of Citibank India\. Major projects were \- Worked on competitor bench\-marking of CitiMobile \(Citibank's Mobile App\) to suggest strategic enhancements in the application \- Designed functional requirement specification for new enhancements based on the specification from Citibank global team \- Designed application for multiple enhancements \- Suggested improvements in the existing application on the basis of bench\-marking and surveys

Member at Corporate Relations and Placements Committee, Aug 2014 \- Apr 2016 · 1 yr 9 mos, Kozhikode, Part of a heterarchical 11\-member committee elected through a batch\-wide vote and given a mandate to handle end\-to\-end corporate relations between companies and IIM Kozhikode for recruitments and related activities\. \- Liaised with 200\+ companies to build, sustain campus\-corporate relationship with IIM Kozhikode \- Coordinated among companies, students, and institute administration for recruitments, summer internships, company workshops, business competitions, and guest lectures \- Achieved 100% final placements for the batch of 2013\-15 and 100% summer internship placements for the batch of 2015\-17

## Education

Master of Business Administration \(M\.B\.A\.\), Business Administration and Management, General, Indian Institute of Management, Kozhikode

Bachelor of Technology \(B\.Tech\.\), Computer Science and Engineering, National institute of technology Calicut

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

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