Babu N.S

CEO

Bengaluru, Karnataka, India30 yrs 3 mos experience

Key Highlights

Over three decades of expertise in banking technology.
Key contributor to the Finacle banking platform.
Built a digital tech platform for rapid loan disbursement.

Stackforce AI infers this person is a Fintech expert with extensive experience in banking solutions and digital technologies.

Contact

Skills

Core Skills

Product ManagementDigital Technologies

Other Skills

BankingBusiness AnalysisCore BankingCustomer OnboardingDigital TechFinacleGlobal DeliveryIT StrategyLoan DisbursementLoansManagementPerformance TuningPre-salesProduct DevelopmentProgram Management

About

Babu is the Vice President for Banking solutions at SwiffyLabs. He has over three decades of deep expertise in digital technologies, core banking technology, lending technology, payments technology and banking industry. Babu is one of the early members of Finacle. During his two and half decade long stint with Finacle he has contributed to product strategy, product management, architecture, design & development of Finacle, a widely popular UBS Banking platform. He is also very closely involved in product rollout in key markets like India, US, MENA region, Singapore with key clients with a strong focus on product thinking and making product market fit. Babu has also been an early member of the Navi Technologies team. He saw through Navi Tech's evolution from 0 to 1 and 1 to 10. Over the period of three years, he has contributed to building an end to end Digital tech platform for Navi Personal Loans, Home Loans, MFI Loans and Insurance products. This digital tech platform was able to digitally onboard the customers, approve and disburse loans in the best case 5 min. The platform saw the Navi loan book grow to over 6,000 Cr. Babu has also worked with few LSPs as advisor and consultant in the stage of 0 to 1, and contributed to building digital onboarding solutions to interact with few REs, which had reached loan disbursal of around 200 Cr. Babu is an avid golfer who also loves swimming, playing badminton, and cricket. Active Mentor and Angel Investor to startups

Experience

Swiffylabs

2 roles

Chief Product & Business Officer

Jan 2025 – Present · 1 yr 2 mos

To lead and drive product innovation, Technology direction and GTM initiatives across geographies to realise SwiffyLabs global vision.

Vice President - Banking

Oct 2023 – Feb 2025 · 1 yr 4 mos

Building world class Banking SaaS products and solutions

Freelance

Advisor to FinTechs, Consultant, Angel Investor

Jan 2023 – Oct 2023 · 9 mos

Focused on solving early startups 0 - 1 and 1 - 10 scaling up problem through Digital Technologies in BFSI space. Worked with few Loan Service Providers (LSPs) . Contributed early stage LSP to grow from 0 to 1, across Digital Tech, Products and Business. LSP platform for customer onboarding journey on channles like WhatsApp, Mobile App, WebApp, PoS (embedded Finance) etc., Helped to identify NBFC partners for the LSP, synergised the credit policy of both LSP and NBFC and LSP originated loans on NBFC books through digital tech. Grown the loan book from 0 to 200Cr

Navi

Head of Product Management - Banking Platform

Nov 2019 – Sep 2022 · 2 yrs 10 mos · Koramangla, Bangalore

Contributed to build end to end Digital Tech platform for Navi Personal Loans, Home Loans, MFI Loans and Insurance products. This digital tech platform made customer journey, onboarding very simple, made the products accessible across the all pin codes of India and available 24/7, digitally underwrite and disburse loans in 5 min. This platform is also powered with digital servicing for loans and insurance products. Focused on purely digital repayments and collections, helps improves collection efficiency both on the DPD 0 and across other DPD buckets with optimal cost of repayments/collections. As an early member of Navi Tech, Have gone through the phase of 0 to 1 and 1 to 10 journey of Navi Tech. With this platform Navi loan book has grown from 0 to 6,000 Crores.

Digital TechCustomer OnboardingLoan DisbursementProduct ManagementDigital Technologies

Infosys technologies ltd

3 roles

Associate Vice President - Head (Product Management and Development) Finacle Core Banking

Promoted

Jan 2010 – Nov 2019 · 9 yrs 10 mos

As Head of Product management and development for Finacle Core Banking, Responsible for defining product road map and plan along with product strategy and other stakeholders, plan product releases and manage the product development and delivery of Finacle Core Banking as per the plan.

Product Line Manager - Finacle

Apr 2004 – Oct 2009 · 5 yrs 6 mos

Innovating, building, managing new ideas and features developments for Finacle Core Banking across various business modules like CASA, Deposits, Overdraft, Retail Loans, Business Loans, Commercial Loans, Islamic Banking, Cash Management, Payment Systems for various Markets. Leveraging the modern technology stack, agile and development process, Automation of testing to make the product releases high quality and frequent as per product release strategy to meet Finacle customer, prospects and market evolving requirements

Product Line Manager

Sep 1995 – Feb 2010 · 14 yrs 5 mos

i have been associated with Finacle Core Banking, Finacle is a well known UBS banking platform from Infosys and has more than 110+ implementation across the world, development since 1995. My current role is Product Line Manager handling delivery of assets related part of Finacle Core Banking. My specialization and area of interest includes CASA, Terms Deposits, Interest Calculations, Retail Loans, Mortagage Loans, Securitization, Corporate Lending, Sydication Loans, Liquidity Management systems and Loan and Mortgage origination systems.
Major Initiatives i have undertaken includes
1. Improving performance and scalability of Finacle Core, specifically interest accrual and loans related batch jobs to handle volumne of more than 25Million accounts. This one is very highly innovative and complex initiative. Excellent result achieved, with the known published figures from various banking product vendors Finacle tops the interest accrual performance with 40,000+ TPS as on 2007-08. This initiative recived Finacle and Infosys excellence awards under "Innovation" category.
2. Rolling out Rational Rose and Rational System Architect (RSA) to improve productivity and quality of Finacle development. We have highly customized Rational Rose to generate "C/C++/Java/JSP" code as per Finacle Core requirements. Also customized Rational Rose to generate various UML diagrams out of existing "C/C++" Code. This innovative idea and solution has gone to final 5 of coveted infosys PRIMA Tech awards for technical innovation within Infosys.
3. Recently taken up a initiative to do Automated Testing of Finacle Core using in-house developed Automated Testing Framework. The focus of this initiave is to do White Box testing in automated way. This initiative again involves highly innovative and complex ideas, excellent result so far. Appreciated by Senior Management and Directors of Infosys
4. Innovated concept of iTree diagram to depict the functional features of a Finacle Services.