Gaurav Chharia

CEO

Gujarat, India17 yrs 2 mos experience
Most Likely To SwitchAI Enabled

Key Highlights

  • Over 15 years of experience in digital transformation.
  • Expertise in driving strategic growth in banking.
  • Strong background in fintech and product management.
Stackforce AI infers this person is a Fintech professional with extensive experience in digital transformation and product management.

Contact

Skills

Core Skills

Digital TransformationCustomer EngagementStrategic InitiativesBusiness PerformanceData-driven Decision-makingEmerging TechnologiesProduct InnovationDigital Transformation StrategyDigital Banking

Other Skills

CybersecurityStakeholder collaborationPerformance benchmarksData-driven cultureMarket analysisCross-functional collaborationAIBlockchainRegulatory complianceCritical ThinkingCommunicationDebit CardsStrategic PlanningCryptocurrencyCrypto assets

About

Results-driven banking professional with over 15 years of experience in digital transformation, product management, and operational excellence. At Bank of Baroda, contributed to strategic growth by implementing region-wide digital merchant banking solutions, optimizing business performance, and aligning initiatives with corporate objectives. Expertise includes fostering stakeholder collaboration, driving data-driven decision-making, and establishing measurable performance benchmarks to support sustainable growth. Previously, led digital transformation efforts at Vijaya Bank, overseeing the integration of emerging technologies and enhancing digital banking channels. Known for enabling customer-centric innovation and streamlining operations in fast-paced environments. Passionate about leveraging fintech expertise and strategic leadership to advance business objectives, enhance customer experiences, and drive organizational success.

Experience

17 yrs 2 mos
Total Experience
3 yrs 5 mos
Average Tenure
7 yrs 1 mo
Current Experience

Bank of baroda

2 roles

Branch Head

Jan 2026Present · 4 mos · On-site

  • I successfully drove digital transformation initiatives that significantly improved branch efficiency and customer engagement.
  • Led the migration of over-the-counter customers to digital platforms, enhancing service delivery.
  • Oversaw compliance with cybersecurity protocols, educating staff and customers on digital fraud prevention.
  • Mentored team members for promotions, emphasizing the importance of digital transformation in banking.
Digital transformationCustomer engagementCybersecurity

Zonal Digital Merchant Banking Solution Manager

Apr 2019Present · 7 yrs 1 mo · On-site

  • Leadership & Strategic Growth
  • Proven ability to drive strategic initiatives, optimize business performance, and achieve targeted growth in dynamic banking environments. Adept at building and maintaining strong partnerships with stakeholders, leadership, and clients to foster collaboration and business expansion. Experienced in establishing measurable performance benchmarks, conducting structured evaluations, and analyzing sales trends, operational metrics, and market insights to support data-driven decision-making. Successfully implemented regional growth strategies, ensuring seamless alignment with corporate objectives while enhancing efficiency, stakeholder engagement, and accountability.
  • Transformation & Financial Management
  • Led the seamless operational transition and team integration during Vijaya Bank’s merger with Bank of Baroda, ensuring business continuity and operational stability. Held full P&L accountability, driving financial discipline and sustained profitability. Spearheaded sales expansion for CASA and Third-Party products, strengthening revenue streams and market positioning. Managed Branch Banking and Wealth Management, aligning financial services with customer expectations and evolving market needs. Enhanced service delivery models, streamlining operations to improve client experience and operational agility.
Strategic initiativesBusiness performanceStakeholder collaboration

Vijaya bank

Senior Manager

Aug 2012Mar 2019 · 6 yrs 7 mos · Bengaluru, Karnataka, India · On-site

  • As a Senior Manager at Vijaya Bank, the role focused on driving digital transformation to enhance competitiveness. Responsibilities included integrating emerging technologies, improving digital banking channels, and fostering a data-driven culture. Oversaw cross-functional teams, project implementation, and change management, ensuring seamless adoption of digital initiatives. Success required expertise in banking operations, digital strategy, and leadership, contributing to long-term growth and customer-centric innovation.
Digital transformationEmerging technologiesData-driven culture

Ing vysya bank is now kotak mahindra bank

Product Manager

Apr 2012Aug 2012 · 4 mos · Gurugram, Haryana, India · On-site

  • Spearheaded the development of digital banking products at ING Vysya Bank, enhancing customer experience and operational efficiency through strategic product innovation. Led cross-functional collaboration, market analysis, and end-to-end product lifecycle management to drive successful digital transformation initiatives.
Product innovationMarket analysisCross-functional collaboration

Hdfc bank

Deputy Manager

May 2010Apr 2012 · 1 yr 11 mos · Delhi, India

  • Led the digital transformation strategy at HDFC Bank, driving the adoption of AI, machine learning, and blockchain to enhance customer experience and operational efficiency. Spearheaded product roadmap development, process optimization, and cross-functional collaboration, ensuring seamless integration of digital solutions while fostering a data-driven, innovation-led culture.
Digital transformation strategyAIBlockchain

Axis bank

Business Development Executive

Feb 2009May 2010 · 1 yr 3 mos · Delhi, India

  • Led the foundational digital banking initiatives to enhance online banking, ATM expansion, and mobile banking adoption while ensuring regulatory compliance and cybersecurity. Spearheaded CBS integration, customer data digitization, and digital marketing efforts, driving early-stage digital transformation and operational efficiency across banking services.
Digital bankingRegulatory complianceCybersecurity

Education

Indian Institute of Management Ahmedabad

Advanced Program in Financial Technologies and Financial Analytics — Fintech

Oct 2023Apr 2024

Indian Institute of Technology, Guwahati

Executive Program in Product Management & Digital Transformation

Aug 2024Oct 2025

Symbiosis School for Online & Digital Learning

Master of Business Administration - MBA — Banking and Financial Support Services

Sep 2023Dec 2025

Dr. B. R. Ambedkar University, Agra

Post Graduate Diploma in Business Management

May 2005Jan 2006

Institute of Management Studies (IMS) Ghaziabad - Business School

Bachelor of Computer Application — Information Technology

Jan 2001Jan 2004

Stackforce found 100+ more professionals with Digital Transformation & Customer Engagement

Explore similar profiles based on matching skills and experience