ABHIJIT DEY

AI-Driven Product Strategy & Vision

• Define and drive the vision for AI-enabled banking products aligned with business goals.
• Identify key AI technologies (like Generative AI, predictive analytics, Agentic AI) to embed into banking journeys.

Customer Experience Transformation

• Build AI solutions that personalize, simplify, and enhance customer engagement across through AI-First Mobile Banking App.
• Champion intuitive, frictionless, 24x7 smart banking experiences.

AI Model Governance & Responsible AI

• Ensure AI models are ethical, unbiased, and regulatory compliant (explainability, data privacy, etc.).
• Work closely with risk, legal, and compliance teams to set AI governance frameworks.

Data Strategy and Utilization

• Drive initiatives to harness customer, transactional, and behavioral data to power intelligent decision-making and recommendations.
• Oversee partnerships with data science, analytics, and engineering teams.

API and Ecosystem Enablement

• Develop AI-powered APIs for internal consumption and external monetization (for example, AI-as-a-Service for partners).
• Foster collaborations with fintechs, hyperscalers, and innovation hubs.

Product Development and Roadmap Execution

• Lead cross-functional teams (tech, ops, design, compliance) to build, test, and scale AI solutions within agile frameworks.
• Define and track KPIs like adoption, accuracy, engagement, operational efficiencies.

• Conceptualize cutting edge API products like Video KYC Based Liabilities and Deposit products in Open API framework and deliver those for external usage.
• Build an Open Eco System for Connected Banking(Banking as a Service) partners with externalizing 50+ connected banking APIs.
• Core contributor to Axis Bank Corporate Digital transformation journey across applications by offering various integration offering like externalization of Restful APIs, Corporate Onboarding in Developer Portal and Building capabilities around cross-cutting APIs.
• Implemented WhatsApp and ChatBot banking for the bank, currently 16 million users onboarded with 300+ digital journeys available.
• Build INDUSTRY FIRST native journey to book deposits using WhatsApp banking platform.
• Build INDUSTRY FIRST paperless, digitized corporate onboarding journey through AXIS Bank API Developer portal.
• Building Bank's Corporate OMNI authentication module in APIGW to onboard Cloud ERP partner in Bank's Banking as a Service (Baas) API ecosystem.
• API monetization - devising new use cases for API Banking.
• Responsible for framing an analytical tool for API performance and enhancements.
• Delivered a catalogue for Retail & Corporate services journeys in form of API Products to the API consumer.
• Overlook the Life-Cycle, Versioning and Retirement of the API, with the IT/BSG team.
• Building an Open API framework basis the compliance and risk guidelines.
• Build and conceptualize new APIs based on Innovative use cases.
• Responsible for revamping bank's API Developer portal on IBM API Connect platform.
• Increased company growth through collaboration with sales and marketing departments.

• Prepare Product Development /enhancement plan for new API or enhancement in existing APIs.
• Discuss the requirement jointly with respective product teams, BSG-IT and other stakeholders and undertake development of the requirements to monetize the APIs.
• Carry out Partner On-boarding process for FINTECHs, TPP, aggregators.
• API monetization - devising new use cases for API Banking.
• Responsible framing an analytical tool for API performance and enhancements.
• Supervision of Open API Portal of HDFC Bank.
• Overlook the Life-Cycle, Versioning and Retirement of the API, with the IT/BSG team.
• Prepare and review the General Guidelines for API Development.
• Review competition offerings for capabilities, features, process, and benchmark it to the HDFC bank's API.
• Take development efforts to make HDFC Bank's API offering better than competition.
• Resolve queries / bugs reported by the users i.e. several business verticals of HDFC bank.
• Carry out Root Cause Analysis (RCA) for reported bugs and take corrective actions in a time-bound manner.
• Build and conceptualize new APIs on the basis of Innovative use cases.
• Responsible for revamping bank's API Developer portal on Google APIGEE platform.

• Responsible for developing and managing the Cloud Based ERP for NBFCs and Money Changing dealers.
• Managing and defining the strategy for B2C and B2B portals for Money changers in India, Mauritius and Bahrain.
• Analysis of internal and external requirements to improve the product steadfastness.
• Designed and implemented an API based portal for principle agents of 2 leading Money Transfer companies in India with Moneygram and RIA Money transfer services.
• Successfully developed and implemented scheduled environment for Money changers to fetch synchronous data to Bank of Mauritius.
• 30+ Client Acquisition with 50+ locations in a year.
• Achieved FOREX transactions completed with more than 10, 00,000+ in the ERP.
• Implemented and Migrated Windows based ERP to Cloud based for more than 10 clients.
• Implemented and Migrated Client Server based ERP to Cloud based for more than 15 clients and 50 + locations.
• Successfully implemented GST in the ERP for Foreign Exchange and MTSS Dealers.
• Successfully integrate the product with core banking solution of Bahrain Financial Corporation.

• Providing enterprise strategic direction for the IT Network Architecture while working with key stake holders to establish appropriate standards and controls to maximize service levels while minimizing costs.
• Ensuring that the communications infrastructure is maintained to provide reliable services for the region, including working with service providers and Telco Carriers to ensure that the network is stable and highly available.
• Developing strategies, road maps & defining budget needs & works to deliver projects on time within the budget scope.
• Continually investigating and implementing ways to improve the effectiveness of network services capability.
• Overseeing tracking of related IT issues, coordinating resolution and assisting in driving issues to closure.
• Escalating high severity issues and chronic problems to appropriate management.
• Spearheaded team of network operations involved in managing and maintaining network equipments.
• Managing complete network operations ensuring no downtime in the network infrastructure.
• Formulating transition roadmap, work streams and drive the execution of successful transitions.
• Developing requirements, outlines, budgets, and schedulers for information technology projects.
• Overseeing all phases of project from conception to completion.
• Undertaking implementation of the "ExchangeOnNet", an ERP for Foreign Exchange Industry.
• Administering ERP Database in SQL Server.
• Devising process of migration of existing database to new database implementing ERPs for Foreign Exchange & Travel Industry.
• Designing and implementing framework for organization web site and set development and database standards.
• Evolving Online SMS Alert System.
• Developing and managing Online HR and Payroll package.
• Undertaking execution of the ENTrav an ERP system developed for Travel Industry.
• Identifying process bottlenecks and developing new solutions for the Foreign Exchange System.
• Executing FXCM API using VBA.
• Handling data scraping and extraction using VBA.
• Supervised implementation of Microsoft Lightswitch Web Application.

• Monitored and maintained computer systems and networks.
• Involved in troubleshooting of system and network problems and diagnosing and solving hardware or software faults.
• Providing support, including procedural documentation and relevant reports.
• Organized and monitored all technical activities for various projects and ensure compliance to all objectives and prepare appropriate budgets and coordinate with various staff to ensure customer satisfaction.
• Prepared & maintained project budgets also ensured compliance to all project schedules with customer satisfaction.
• Administered and ensured optimal utilization of all company resources to increase growth and develop various new products for services to maintain effective growth.
• Established software modules for Web and Window based ERP of whole DigicableComm Services.
• Administered ERP Database in SQL Server.
• Developed: Online SMS Alert System, Online Inventory Control System for DigicableComm Services' Store, Online Accounting and Voucher Management System for DigicableComm Services, Fiber Leasing Online ERP.
• Formulated and managed Online Docket Entry and Docket Completion System for DigicableComm Services.
• Devised various reports on MIS for Inventory management.
• Evolved and monitored Online Invoice System for CATV and Fiber Leasing clients.
• Interacted and liaised with the external vendors providing SMS and Server support.
• Monitored database and preventive backup maintenance on regular basis.
• Designed and executed the backup STRATEGY for the Servers as well as assured that the scheduled/ unscheduled backups are as per backup plan and restoration.

• Managed project development from initiation to closure.
• Worked with project sponsor and stakeholders to complete project charter outlining scope, goals, deliverables, required resources, budget, and timing.
• Completed project work breakdown structure to estimate effort required for each task.
• Provided project schedule to identify when each task will be performed.
• Handed various software projects successfully for both overseas as well as domestic clients.
• Developed Online ERP Server for Message Transaction Interface.
• Implemented Online Financial Message Transaction System in Cairo, Egypt.

• Evolved and managed ERP and CRM System for Blog Users in USA.
• Coordinated with US based clients for resolving their technical issues for the blog.