Led the global strategy, setup, and management of the BFS Solutions business unit, overseeing product engineering, solution management, and overall operations. Focus areas included SaaS product innovation in AI Everywhere, Banking-as-a-Service (BaaS) & Embedded Finance, NextGen Core Banking, Digital Payments Platformization, Cross-Border Payments, Digital Wealth Management, and Digital Assets, while building a global FinTech partner ecosystem.
● Successfully launched three SaaS products—InnoWallet, iMsd, and Open Banking API Hub—and developed a new suite of solutions across six high-impact themes. Filed a patent for CrediPay, a groundbreaking credit democratization concept.
● Designed and implemented the 89LS innovation program to foster next-generation solution development. Developed a comprehensive change management strategy and operating model that unified BFS assets and teams from 11 acquired companies into a single global unit. This strategic alignment drove significant business

Led product advisory, new product development, and the setup of a new business unit, with a focus on Smart Payments and Digital Financial Services. Key areas included Wallet-as-a-Service, Payments for Digital Commerce, Merchant Services, Alternative Payments, Rewards and Loyalty, Payments and Cards Analytics, Digital Banking, and Digital Wealth Management.
● Designed a new suite of solutions and guided the team in launching digital wallet and super app platforms for the U.S. market. Oversaw the design of cloud-native margin lending and commercial lending platforms, and the re-engineering of a cross-border payments platform to comply with ISO 20022 standards. Developed a digital wealth marketplace strategy, collectively driving $20M+ in realized business value.

Led product advisory and customer engagement initiatives with a focus on Digital Transformation, Core Banking Modernization, and Product Implementations for Neo and Challenger Banks. Designed strategies, solutions, and roadmaps for core banking conversions, NextGen digital core platforms, enterprise payment platforms, verticalized Neo Banks, and digital marketplaces for SMBs. Developed API banking frameworks and customer engagement platforms for auto loans and customer data management, resulting in $15M+ in realized business value.

Led product advisory, digital strategy, and new unit setup across Retail, Commercial Banking, Payments, and Risk, delivering $14M+ in realized BV. Drove end-to-end digital transformation with global banks, launched Credit Card Analytics productization, and built a FinTech partner consortium. Played a pivotal role in two acquisitions, converting acquired assets into scalable SaaS offerings.

Led the positioning of Success Cloud solutions across the Midwest and Canada, working closely with banking customers to drive engagement success. Successfully positioned consulting services for Regulatory Transformation, Marketing Cloud, CRM, and Digital Customer Journey initiatives, resulting in $8M+ in realized business value.

Led business transformation engagements across lending, payments, onboarding, and core banking, delivering $15M+ in realized BV through strategic roadmaps and digital solution design. Directed cross-functional product and engineering teams focused on BIAN/IFX, RPA, AI, and cloud-native architectures. Spearheaded cloud utility partnership strategy for scalable banking solutions.

Led digital transformation strategy and established COEs for MDM, DWH, and EA in commercial banking, delivering $25M+ in realized BV. Developed advanced analytics and ML-driven solutions for reconciliation, AML, and loan servicing. Built strategic partnerships across big data, data science, and AI to scale platform capabilities.

Led a global regulatory transformation program, delivering a multi-book, multi-GAAP IFRS solution across regions and reducing operational costs by 40% ($1.4M savings). Built and empowered multilingual solution teams and partner networks across LATAM, driving joint go-to-market initiatives in lending, treasury, cards, and wealth. Successfully expanded solution footprint across 6 countries

Led product engineering using design thinking (CID) to deliver innovative solutions like Bankers' Workstation, Margin Meter, and Portfolio Analytics, driving $15M+ in realized BV and 24% YoY product revenue growth. Scaled globally across APAC, Europe, and LATAM, and implemented FDD/semi-agile delivery to boost engineering productivity by 20%. Launched cloud-based WM platform.

Managed a ₹1B banking business with 40+ FTEs and 80+ outsourced staff, delivering 30–40% lending growth, 80% bad loan recovery, and 100% audit compliance. Led transformation initiatives across Merchant Services, Cash & Payments, Institutional Banking, ATMs, Mobile Banking, and Bancassurance, resulting in significant revenue and portfolio expansion.