May 2024 – Present · 1 yr 11 mos

• Drive funding-side balance sheet optimisation for a ~$180bn balance sheet, with responsibility for deposit pricing, portfolio mix and liquidity behaviour across retail and wholesale liabilities.
• Lead the Deposits Desk, managing pricing strategy and mix across short-term vs long-term, callable vs non-callable and fixed vs floating structures, with a focus on optimising funding cost, stability and liquidity value.
• Play a key role in shaping and presenting the Treasury view at ALCO, contributing to discussions on funding composition, deposit betas, interest rate positioning and forward balance sheet outlook.
• Own the bank’s Funds Transfer Pricing (FTP) framework and internal benchmark architecture, aligning funding costs with asset origination, product strategy and NII outcomes.
• Oversee LCR and NSFR analytics and support regulatory engagement on liquidity risk, stress testing methodologies and supervisory interactions.
• Partner with Product, Finance and Risk teams to embed liquidity and funding considerations into business strategy, strengthening alignment between balance sheet objectives and front-line decisioning.

Jun 2020 – May 2024 · 3 yrs 11 mos

• Managed key strategic initiatives to ensure products were 'Fit for Market' and 'Fit for Growth,' achieving product penetration, market share growth, and profitability.
• Led the most significant transformation initiative within the wholesale bank, closely monitored by the Axis Bank board. As the leader of Project Neo, I spearheaded the effort to align with Axis Bank’s strategy to become the best Digital Wholesale Bank in India. Project Neo has redefined the digital landscape of wholesale banking platforms, evidenced by high customer uptake and international awards for innovation and solutioning. Oversaw the Bank's digital assets, ecosystem plays, and partnerships leveraging connected banking. Our leadership in APIs has enabled us to outpace competitors and achieve global firsts in banking.
• The Neo suite of products includes APIs (neo APIs and Axis neo Connect), distinct internet banking, and mobile apps for large corporates (neo for Corporates) and SMEs (neo for Business), along with a proprietary framework for extending banking into third-party platforms.

May 2017 – May 2020 · 3 yrs

• Led the digital proposition across retail and affluent credit cards, tech-based salesforce enablements and mainstreaming new & innovative technologies focused on seamless new customer onboarding. Managed the digital and voice channels for credit cards acquisition, both for internal channels as well as marketplaces and digital affiliates.
• Conceived and delivered customer journeys and worked with technology partners on agile development.
• Grew cards acquisition 4-fold and lowered unit acquisition costs by two-thirds, with over 60% of customer requests addresses through STP journeys.

Dec 2013 – Jul 2017 · 3 yrs 7 mos

• Leadership of medium-term strategic planning and execution oversight for the retail bank
• Leadership of annual operating plans on network expansion, revenue and cost planning and resource budgeting along with progress tracking and design of required interventions to ensure goal achievement
• Thought leadership for the retail bank along with managing the Bank’s representation in media interactions, award nominations, investor and analyst meetings