Talented Executive Director experienced in developing and managing staff, budgets and programs to achieve results. Offering more than [Number] years of experience at executive level. Applies skills in ministry, leadership, mentoring and training to motivate organization's members in meeting organizational mission and program goals. Successfully raises public awareness about community-based programs and services.
Overview
24
24
years of professional experience
Work History
Executive Director, Head: APAC Payments Business Risk & Controls, Global Payments Utilities Risk & Controls
JP Morgan Services India Private Limited
12.2021 - Current
India Corporate Centre Site Lead for Payments Risks & Controls
Product Coverage includes Payments, Receivables, Trade & Working Capital, Liquidity, Account Solutions, Escrow & Digital Channels
Risk families include Operational, Product, Portfolio, Fraud, Regulatory, AML, Sanctions, Outsourcing, Technology and Information & Cyber Security
Managing large multi-country teams (>40FTEs) with direct & matrix reports in India, Singapore, China, Japan, Australia & Philippines
Key focus is ensuring effective Risk assessment for New Product Roll Outs and Product Changes and ensuring establishment of a Risk & Control framework to support the Business Growth
Engaging with Horizontal teams to establish data driven risk & controls monitoring, proactive management of issues
Driving thematic reviews to identify and mitigate key risks for the business.
Director - Data Governance, Product Risk Advisor & Third-Party Risk Head - APAC
Risk families include Operational, Product, Fraud, Regulatory, AML, Sanctions, Outsourcing, Technology and Information & Cyber Security
Part of the South Asia Leadership team defining the Business Strategy, assisting the Business in Digital & Technology Transformation initiatives through use of new Technologies (APIs, RPA, Big Data) and advise & provide Oversight to Business Risk & Control Programs
Worked with Business and Function partners across APAC to ensure all risk families (Product, Regulatory, AML, Operational, Technoloyg, Third Party etc.) are adequately covered for New Product Roll Outs, Product Changes covering new Regulations, Product Enhancements & Digitization initiatives, thereby enabling better speed to market
Implemented programs for APAC for ongoing reviews and continuous monitoring of Data Integrity & Controls.
Senior Vice President, Co-Head, ICG Technology
Citibank N.A. India
06.2010 - 11.2014
LOB: Institutional Clients Group Technology
Change & Run the Bank Projects, Program Management, Technology Architecture Design & Implementation and Digitization & Transformation Initiatives
Coverage across Core Banking (Flexcube), FX, Derivatives, Fixed Income, Money Markets, Capital Markets, Loans, Liquidity, Finance & Risk
Managed a team of 100 FTEs & a budget of $10 Million, supporting large scale Technology Projects for all stages of the Software Development Life Cycle (SDLC) though a mix of permanent and vendor employees both onsite and offshore
Implemented Large Scale Technology initiatives covering Strategic Business & Product initiatives, Process Re-engineering, Digital Transformation, New Product Roll Outs, Regulatory Mandates, AML & Compliance Initiatives
Designed and Implemented an Application Architecture Roadmap for the Citi Businesses in India
Successfully migrated 70% of the legacy In-country Application Portfolio to existing Global / Regional platforms on the latest Technology stack
Engaged with Technology Vendors to ensure execution and monitoring of technology initiatives
Ensured Technology spends are optimal and as per plans.
Vice President, Head: Technology & New Initiatives
Managed a team of 25 FTEs across Project Management, Change Management and Application Support
Involved right from the set-up stage of the entire Equity Brokerage, HFT, Algo & Internet Trading and Wealth Management Platform for Citi’s Institutional & Retail Broking and Wealth Business in India
Implemented and supported the entire suite of Equity Brokerage & Wealth applications including Front End Trading systems, Back office settlement systems, Exchange and Depository servers, Co-Location & CTCL Exchange connectivity & Portfolio Management
Managed implementation of all product, process, regulatory, compliance, and risk enhancements for the Equity, MF, Wealth Management, Depository, CRM, Customer Reporting applications
New Initiatives Head Role
Designed and implemented new investment products to be offered to customers including Broking, Structured Products, Advisory Services, Trust Services and Financial Planning
Created Business Cases & Business Requirements for product and process changes to introduce new products, improve product superiority and delivery and increase operational efficiency
Presentations to senior stakeholders for getting their buy-in for implementation of process changes, product innovations and technology solutions to deliver superior client offerings and efficiency in execution.
Consultant, Banking Domain Competency Group
Infosys Technologies Limited
10.2004 - 06.2006
SME for various consulting projects in Institutional & Investment Banking
Typically, the scope of my role during various stages of a project implementation life cycle spans the RFIs & RFPs, Project initiation, Requirements gathering, Design testing and production roll out
Research on current areas of interest in the financial services industry to design innovative solutions in various areas of Banking
Solutions worked on include Financial Messaging Solution, AML Solution, Single Global Nostro Solution and Application Portfolio Analysis
Focus on Thought Leadership initiatives in the Financial Services Industry
Two articles published on gtnews.com and 1 in HSBC’s Guide to Cash & Treasury Management
Project Experience
Project Lead with ABN Amro Bank Amsterdam, in the Transaction Banking Mid-Office Application Analysis and Design, handling the Cash Management Payments Middleware Applications: 6 months
Business Analyst Lead with UBS Investment Bank London, in Global Cash Utility team specifically handling the Financial Messaging Middleware, AML & Sanctions Screening for Straight through transaction processing: 8 months.
Project Manager
Citibank N.A.
10.2003 - 10.2004
Analyzed Requirements & Prepared Business Requirement Documents and Functional Specifications for technology initiatives supporting Payments, Core Banking, Loans, Money Markets & Risk Applications
Project Planning and Delivery in a complex BAU environment under tight deadlines
Evaluated Market Solutions vs
Internal Development to recommend the right solution for the business
Managed implementation of new systems and recommend enhancements to existing systems
Designed Business process flows test plans, test cases and coordinated System UATs for new and existing systems
Liaised with various business product and testing teams and IT vendors.
Manager
Citibank N.A.
Mumbai
07.2002 - 09.2003
Operationalized new products and processes for the Small & Mid-Market Corporate customers in Transaction Banking
Worked on several projects covering Corporate Banking Branch Operations in the areas of Process Improvements, Operational & Credit Risk, CRM, Cost Reduction, Productivity Improvement and Internal Policies
Single point contact in the branch for all Small & Mid-Market Corporate Customers Cash Management & Trade.
Assistant Manager
Citibank N.A.
Hyderabad
01.2001 - 06.2002
Job responsibilities included handling the entire Payments, Receivables, Trade and Clearing Operations for the Corporate Bank, directly reporting into the Branch Manager
Single point contact at the branch for all Corporate Banking customers for all Branch Cash and Trade operations
Continuously monitor and implement business priorities addressing improvements in the areas of financial targets, customers, people and processes.
Assistant Manager
BNP Paribas
06.2000 - 12.2000
Job responsibilities included Managing the Export, Import & Local Bill Discounting Operations at the Pune Branch and Track and fulfill all the regulatory aspects of Banking Trade Operations as per Central Bank, FEMA and ECM guidelines.
Education
PGDM - Finance & General Management
Indian Institute of Management Bangalore
01.2000
B. Com (Hons.) - Finance, Accounting, Mathematics, Statistics
Osmania University
01.1997
Skills
Program Management
Stakeholder Relations
Strategic Planning
Project Management
Team leadership, training, and development
Negotiation
Talent management and staffing
Innovation and Creativity
Compliance and regulations
Program Leadership
Affiliations
Involved with an NGO working towards welfare of stray animals.
Interests
Avid Sportsman, enjoy playing badminton, football and cricket - Athletics captain of school & college with multiple accolades including the University High Jump Champion. Involved with an NGO working towards welfare of stray animals.
Timeline
Executive Director, Head: APAC Payments Business Risk & Controls, Global Payments Utilities Risk & Controls
JP Morgan Services India Private Limited
12.2021 - Current
Director - Data Governance, Product Risk Advisor & Third-Party Risk Head - APAC
Citibank N.A. India
06.2010 - 12.2021
Senior Vice President, Co-Head, ICG Technology
Citibank N.A. India
06.2010 - 11.2014
Vice President, Head: Technology & New Initiatives
Citigroup Global Markets India Private Limited
06.2006 - 06.2010
Consultant, Banking Domain Competency Group
Infosys Technologies Limited
10.2004 - 06.2006
Project Manager
Citibank N.A.
10.2003 - 10.2004
Manager
Citibank N.A.
07.2002 - 09.2003
Assistant Manager
Citibank N.A.
01.2001 - 06.2002
Assistant Manager
BNP Paribas
06.2000 - 12.2000
PGDM - Finance & General Management
Indian Institute of Management Bangalore
B. Com (Hons.) - Finance, Accounting, Mathematics, Statistics
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.