Assortment of Proven credentials

• ·A unique IT professional from BFSI industry with through knowledge of Banking Operations.
• Domain Expert in Retail Banking, Digital Banking, Development Banking, Advances & Foreign Exchange.
• Headed teams in Software Design (Functional), Development & Testing area.  
• Business Re-engineering and Resource management has been hallmark of his achivements.
• Pioneered Missed call Enquiry practice in Banking Industry while heading IT in a PSB.
• Participated in core banking implementation (asset side products) in SBI.
• Headed SBI's International IT Operations.
• Headed Central bank of India IT Division.
• Headed IT Division of Bandhan Bank.
• Functioned as IT Auditor in Fino Payment Bank.
• Headed IT division of Bandhan Bank.
• Consulted many IT Startups for Regulatory Reporting Framework (ADF)
• Performed as consultant to Odisha Gramya Bank.
• Expert in framing IT policy at enterprise level/ IT audit process for Banks. 

• ·  Banking  Experience of  40  years in  OBC  covering a broad spectrum of banking areas including Corporate& Commercial Credit, Risk Management, IT, Inspection & Control and Credit Monitoring.
• Retired as General Manager of Oriental Bank of Commerce (OBC) in charge of Risk Management, Inspection & Control, Credit Monitoring and Information Technology (IT)  
• Performed as  Deputy General Manager - Executive Secretary to Chairman & Managing Director.  
•   Participated in meetings of the Board of Directors,  Sub-Committees of the  Board,  viz.,  Supervisory  Committee of  Board of Directors on  Risk  Management, Audit  Committee of the  Board, Management Committee of Board, Committee on Large value frauds, Customer Service Committee etc.
•  Was a member of all the key Executive Committees of the Bank, viz. Assets Liabilities Committee, Credit Risk Management Committee, Operational Risk Management Committee, Credit Approval Committee, ICAAP Committee, Audit Committee of Executives, KYC-AML & Fraud Committee of Executives, Risk Based Supervision Committee, Premises Committee, New Business Group, etc. 
• Worked as an outside expert on Risk Management in the Risk Management Committee of ‘The National Housing Bank’ 
• Formulated critical policies of the Bank, viz., Corporate Governance Policy, Lending Policy and delegated lending powers, Credit Risk Management Policy, ALM & Liquidity Risk Management Policy, Capital Planning, Market Risk & Operational Risk Policy, Inspection & Audit Policy, Risk Based on Internal Audit (RBIA) Policy, Disaster Recovery and Business Continuity Plan, KYC/AML Policy, Fraud Risk Management Policy.
• He served in various capacities and locations in branches, administrative office of the Bank during the earlier days of his career.
• Supervised automation of various functions of the  Bank,  viz.,  Audit automation, ALM Processes, Off-site Surveillance, Buildup of a comprehensive database of frauds, etc.

Post Retirement Assignments:

• Advisor to OBC from 01.03.2014 to 30.11.2014. Coordinated automation of Centralised Anti-money Laundering (AML) process for transaction monitoring and KYC controls and automation of Risk Based Internal Audit project using a software solution.
• Visiting      Faculty for Centre of Excellence in Banking & Finance, NIIT      University, Neemrana, Rajasthan on Operational Banking, Credit Management and Risk Management.
• Visiting      Faculty to BML Munjal University, Dharuhera, Haryana for their MBA / BBA      programs on Operational Banking, Credit Management and Risk Management.
•  Visiting faculty to IIBF, New Delhi and IMI New Delhi on Risk Management & Credit Management. 
• Conducted a training program on Internal Control for China Trust Banking      Corporation.
• Designed the Risk Management Policy for State Co-op Banks through NASSCOB –      National Association of State Co-operative Banks.
• Imparted      Training on Risk Management to Senior Officers of State Cooperative Banks in Delhi and Chandigarh.
• Developed Multiple Choice Questions for the training of officers of Cooperative Banks 
• Completed the Succession Planning of a PSB using a 360-degree assessment of chosen AGMs / DGM.
• Designed the Academic syllabus & assignments for the Post-Graduate course on Advanced Bank Management Program for NIIT University.

• Retired as General manager - International Operations.
• Chief Executive, Singapore operations of Public Sector Bank (India's International Bank) multiple years tennure.
• MD & CEO of 100% subsidiary of the bank in UK. Multiple years tennure.
• Coversant with regulatory reporting in overseas territories in Singapore/ UK.
• Performed as GM & Head of Treasury and Investment division of the bank.
•  Project Coordinator- CBS - Implementation at international divions of the bank in India and in all overseas branches and subsidiaries of the bank.
• Multi-year exposure at International Division of the Bank coordinating  Supervision, monitoring and support responsibilities for overseas territories.
• Served as Reginal Manager with outstanding performance.
• Performed treasury and trade finance operations in multiple international business banking branches of the bank. 
• Die hard task master, team worker and result oriented personality.

• ·Banker with 15 years of experience, managing operations, IT, Core Banking and Credit Risk.
• IT trainer and pioneered ushering modern technology in a PSB. Conducted several distant learning courses on Banking Technology for bankers.
• Co-authored the book “ A Busy Banker’s Handbook on IT”.
• ·Moved to IT and spent 22 years as leader at C-level positions at the best known IT MNCs like Microsoft (Head of Banking & Capital Markets Industry), Oracle (Head of delivery for Europe, Middle East & South Asia), SunGard India (now FIS, as  MD) and Intellect Design Arena (Executive Vice-president and Head of Business India & South Asia).
• ·Key member at Oracle of team  their analytics platform, the most accepted platform for BI and risk management for banks in the world over.
• ·Currently engaged as a trusted advisor by bankers across Europe, Middle East, India and South Asia.
• Now consults several IT companies in building their product and sales strategy, business development, market penetration and general management.

• Retired as Dy Chief General Manager from the largest scheduled co-operative Bank.
• 35+ years of an illustrious career in various capacities in banking IT operations at administrative levels of the bank.
• Designing & Developing IT strategy and Implementation planning athe t enterprise level. 
• Responsible for implementing and integrating various payment systems/ applications, digital banking framework etc.
• Played critical role in developing IT training infrastructure. 
• Liasion and coordination with vendors and solution/ services providers.
• Meeting regulatory requirements in terms of security/ audits etc. Defining infra and application security policies from time to time.
• Vast knowledge of core banking solution.
• Estabilished Digital Banking Division. -17- innovative digital products were introduced in the bank.
• Played important role in data center setup, near & far DR, Enterprise Service Bus, Network & security architecture design and cuber security framework.

• Completed 34 years of illustrious career in the bank. 
• A rare blend of practical banking, use of IT in business solution with proven communication and inter-personal proficiencies.  
• Performed various roles in Credit, Inspection & Control, HR, IT & MIS department of a PSB.
• Headed reginal staff training college & administrative units of the bank. 
• Headed MIS Cell of the bank. 
• Experienced in supporting statutory audits/ regulatory audits/ inspections internal audits and compliance related functions.
• A hard task master and believer in timeline based execution of projects.

• An IT expert having through knowledge of IRAC Norms, Payments, NACH & Govt Sponsored schemes operations.
• Vast exposure in implementation and automation of various banking functions especially IRAC Norms as per regulatory guidelines.
• Played pivotal role in core banking automation exercise in a public sector bank particularly IRAC Norms.
• Data migration expert.
• Data Integration expert.
• Played key role in integrating enterprise level data under amalgamation of banks.
• Instrumental in migration of Finacle-7 to Finacle-10 for as Public Sector bank.
• Experianced banker and expert of Finacle implementation.
• Ex serviceman, always timeline conscious and result oriented.

• 35+ years of experience in multi-functional domains in Banking and Financial Services Industry (BFSI)

• Techno-functional expert in Banking and Digital Payments, Enterprise Solution Architect for BFSI

• Functional knowledge of Insurance, Mutual Funds, Mutual funds, Capital Markets, Cyber Security, Healthcare

• Certified Project Management Professional (PMP) and Certfied Scrum Manager (CSM)

• Worked for leading public sector banks, performed requirement analysis across diverse stakeholders, designed integrated solutions and successfully executed projects within Time, Cost and Scope constraints.

• Successfully delivered Business Process Transformation projects for large financial service providers – includes Advisory and Solution Design functions, with end-to-end delivery ownership

• Consultant for Digital Transformation, Cloud adoption, Data Warehousing, ETL, CRM 

• Gautam started his career working in different organizations and then turned to an independent consultant. He has over a decade of experience in Data Engineering having worked on various Data Management areas, specializing in Data Governance, Data Quality, Data Privacy, Metadata Management, Master Data management.
• He not only has worked in implementing these initiatives from a Data Engineer’s capacity, but he also has in-depth experience of driving these initiatives functionally.
• He has diverse experience of consulting and working with very large organizations to mid-size and small organizations giving him capability to understand the different needs of different organizations as there is no one-size fits all model.
• He strives towards understanding the needs of the organization and proposes solutions with a view of achieving a common goal: effective Data Management capabilities within organization, helping them align their overall Data Strategy.
• He has provided consulting to different clients coming from different industries like Banking, Audit-Tax, Telecom, Healthcare to implement Data Governance framework for effective regulatory compliance with policies like BCBS 239, GDPR, CCPA, HIPPA.
• He has helped clients come up with firmwide Data Policies on Data Retention, Data Masking, restricting access to datasets in lieu of Data Contracts with clients, Data Literacy. 
• He has worked with CDOs, DPOs, Firmwide Risk Teams, Information Security Teams to design operating models, ownership models to set up foundation of Data Governance. 
• He has worked with different stakeholders helping them identify CDEs, define Business Glossaries, maintain Data Dictionaries, establish Data Lineage, mask protected datasets, establish Data Quality matrix, and carrying out Data Maturity Assessments to measure the overall maturity of data.
• He has extensive experience of designing and developing Data Products for clients.
• He actively participates in data events across globe to understand the new emerging tools and trends in the technology space.
• He has worked with different corporates to provide corporate training to their new as well as experienced employees working in data space in different data management areas.

•  
• 30+ years of significant experience across the BFS domain.  Outstanding performance in credit side operations.
• Regulatory Compliance, Risk Management:  Deep understanding of regulatory compliance, governance, risk mitigation processes. 
• Internal Audit:: Intrumental in setting up and led the Credit Audit function for Scheduled Commercial Bank and have experience in auditing commercial, trade finance, SME, auto, and retail lending products. 
• Lending and Corporate Banking:  Having over a decade of experience as a Credit Decision Manager and Commercial Loan Underwriter, with authority to sanction large sized  loans . Expertise spans retail lending, commercial lending, trade finance, SME lending, priority sector lending, and credit documentation. 
• People Management and Leadership:: Proven ability to create dedicated, high-performing teams, even in constrained situations. Skilled at recruiting, mentoring, and training. Exposed to managing large and diverse teams spread across multiple locations 
• Operations and Process Management: Managed various operational functions, including asset services, clearing, Nostro reconciliation, and back-office teams. Consistently achievedoutstanding client satisfaction and spearhead process improvement initiatives. 

• A qualified banker from education point of view, A post-graduate in commerce and CAIIB Certfied.
• Retired from PSB after completing 30+ years of an illustrious career in operation and administration at various administrative location.
• Though operational banker with exceptional domain expertise in various operational area of banking.
• Headed branch banking and achieved extra-ordinary business growth be in liability side or assets sides of balancesheet of the branch. Particularly managing the NPA of branches under his supervision. 
• Honed his administrative skills during his tenure at regional offices and Central office of the bank and awarded for exemplary performance multiple times.
• Also associated with concurrent audit assignments post his retirement. 
• Successfully met challenges of branch business targets and over-achived the same many times.
• Result oriented and team worker.

• 20 yrs domain exposure in functional areas of Banking particularly in Credit management.
• 20+ years of experience in IT field  leading the design, development and deployment teams of Banking solutions in large sized banks.
• Instrumental in innovative solutions for Regulatory reporting like ADF/ Credit/ NPA Automation, Risk Management, BASEL etc. 
• Familiarity with on-premises/ cloud based transactional databases like Oracle, SQL Server and OLAP databases for analytics and data warehousing. 
• Knowledge of optimal design of databases an making recommendations for performance improvement. 
• Ability to design and develop innovative solution for complex business scenario and technology problems. 
• On-site exposure in implementation of large size projects in Banking Industry. 
• Implemented solution are operating in more than 15,000 branches in Banking Industry. Exposed to enterprise data management, data migration, data integration from disparate sources into single data repository.
• Demonstrative domain knowledge of Data Warehousing, OLAP Databases, Designing BI Solutions for Banking industry on MS platform.
• Ability to think strategically about business, product and technology. 
• Practicing leadership as manager of managers of multi product teams.
• Setting objectives, managing performance and mentoring the team  ensuring in-time, in-budget delivery.
• Customer relationship management experience in a consulting team leader role.
• Successfully met challenges of database management in an enterprise environment.
• Result oriented and team worker.
• He can be reached at vcs@bfsi-consulting.in