Dipti Panchal
Summary
Strategic Banking Program Manager with 19+ years of experience delivering enterprise-scale transformation programs across banking and financial services. Proven expertise in PMO governance, regulatory compliance, Agile delivery, and cloud transformation (AWS). Successfully led high-impact initiatives including bank mergers (Citi–Axis), lending platforms, and digital banking solutions. Known for driving on-time, under-budget delivery, executive stakeholder alignment, and measurable business outcomes.
Overview
1
1
Certificate
10
10
years of professional experience
Work History
Assistant Vice President
Axis Bank
01.2023 - Current
- Led Citi–Axis merger integration, impacting multiple units and transferring 2.3 to 3 million customers.
- Achieved 43% cost savings through in-house development and vendor optimization.
- Delivered lending and digital banking initiatives on time and under budget.
- Ensured regulatory compliance while optimizing customer experience and business outcomes.
- Managed strategic / BSC program as Retail lending transformations, ensuring 99.5% uptime in home loans and asset-backed finance.
- Structured programs with strong PMO governance for executive reporting and KPI dashboards.
- Cultivated a culture of continuous learning to drive organizational growth.
Senior Manager
Axis Bank
01.2020 - 01.2023
- Led Agile project execution with zero delivery delays across critical programs like Axis Marketplace for Insurance partners
- Strengthened portfolio governance and enhanced cross-functional collaboration, ensuring successful implementation of key initiatives that improved project alignment and stakeholder satisfaction
- Implemented AWS cost optimization strategies that minimized cloud spend and maximized resource utilization
- Owned Infosec guidelines and facilitated audit and compliance closure, maintaining zero Infosec observations for Marketplace program and ensuring robust security posture
Senior Manager
Aidia Technovations Pvt Ltd
01.2018 - 01.2020
- Established agile practices and SDLC governance to enhance delivery speed.
- Directed end-to-end delivery of mobile and web applications in startup environment.
- Managed mobile app integration to ensure seamless functionality across devices.(Android)
- Onboarded celebrities onto platform by gathering requirements and implementing tailored solutions.
- Improved processes by preparing standard operating procedures and implementing version control for the team.
Senior Executive
MCX India
01.2016 - 01.2018
- Executed regulatory and compliance projects meeting SEBI requirements
- Accelerated project timelines by coordinating all operational activities related to projects/program.
- Implemented requirements and processes from stakeholders to ensure successful project execution.
- Implemented automation systems improving operational efficiency by reducing manual work
- Engaged with key stakeholders in elite FOCUSED Group to implement process improvements and increase organizational efficiency.
Earlier Roles
- Led quality assurance activities for US-based healthcare client, ensuring successful implementation of new claims model system.
- Recognized as reliable leader, motivating team to consistently exceed performance objectives.
- Functioned as an active auditee for CMMI Level 3, leading to certification.
- Structured and managed projects to ensure adherence to time, cost, and quality standards.
- Conducted TPISA audits for Citibank as a consultant throughout India.
- Collaborated with HR and talent teams to implement initiatives that enhanced work-life balance and improved team motivation.
Education
Master of Computer Applications -
Veer Narmad South Gujarat University
Gujarat, India06-2006
Bachelor of Computer Applications -
Veer Narmad South Gujarat University
Gujarat, India06-2003
Skills
- Business strategy execution
- Project governance
- Agile project management
- OKR and KPI Management
- Risk and compliance management
- Budget Management
- Cloud Strategy
- Vendor Management
- Stakeholder collaboration
- Team management of 50
- Leadership with execution
- Team leadership
- Process improvement
- Constructive feedback
- Self-Motivated
- JIRA, AI tools, MPP, AI Enthusiast
- Cultural Leadership
- Digital banking
Certification
- Google Program Management
- IBM Program Management
- Six Sigma Green Belt
- AWS Cost Management
- Agile Project Management
- AI - Brainstorming and Planning
- ChatGPT for Project Management Execution, Tracking and Success
Accomplishments
- Led the Citi–Axis Bank merger program as the central PMO, driving successful integration.
- Driven Lending Transformation Program with Finacle 10.2.25 Loans
- Delivered multiple banking programs under budget, with zero delays.
- Achieved AWS cloud cost savings through automation and optimization.
- Contributed to CMMI Level 3 certification and audit success.
- Recognized with multiple leadership and performance awards at Axis Bank.
Timeline
Assistant Vice President
Axis Bank
01.2023 - Current
Senior Manager
Axis Bank
01.2020 - 01.2023
Senior Manager
Aidia Technovations Pvt Ltd
01.2018 - 01.2020
Senior Executive
MCX India
01.2016 - 01.2018
Earlier Roles
Master of Computer Applications -
Veer Narmad South Gujarat University
Bachelor of Computer Applications -
Veer Narmad South Gujarat University
Personal Information
- Relocation: Open to Relocation within USA
- Work Permit: US Green Card Holder (No Sponsorship Required)