Raktim Sengupta
Lead Strategy Planning Consultant
Bengaluru
Summary
Results-oriented leader with 22 years of experience in US Banking, Consumer Lending, Mortgage Fulfillment, and Product Management. Expertise in designing scalable operating models, driving transformation, and implementing automation solutions. Skilled in service delivery, digital solutioning, and strategic initiatives including M&A and capability building across India, US, and Europe. Proven ability to develop tech-enabled solutions leveraging Agentic, OCR, RPA, and hyper-automation frameworks.
Overview
22
22
years of professional experience
5
5
Certifications
Work History
Sr. Strategy & Planning Consultant
Wells Fargo
02.2022 - Current
- Leading automation strategy and digital solutioning across Consumer Lending.
- Act as Product Manager / Product Owner for Consumer Lending Automation Methodology, defining solution frameworks, business cases, and benefit models.
- Design hyper-automation solutions for Mortgage, Auto Loans, Personal Lending, and Cards, integrating OCR, RPA, workflow, and analytics.
- Build and prioritize automation pipeline; partner with business, tech, and operations to shape solution roadmaps.
- Lead Agile execution: sprint planning, backlog refinement, and cross-functional alignment.
- Support solution design discussions with stakeholders for scaling automation across global locations.
Services Head, Client Operations
Infosys BPM Ltd.
04.2021 - 02.2022
- Managed service delivery for multiple US banking clients, overseeing a team of 700+ to ensure high-quality operations.
- Led solution design for renewals and expansions, including operating model definition, FTE sizing, digital levers, and commercial constructs.
- Managed MSA/SOW negotiations, service quality frameworks, and performance governance.
- Oversaw financial planning, revenue assurance, and margin improvement, establishing delivery governance to enhance operational success.
- Drove tech-led operating model design in collaboration with Digital Transformation Services, leveraging AI/ML, ICR, and workflow automation for innovative solutions.
- Led strategic initiative to build a skill-based organization for Mortgage Fulfillment.
Sr. Lead, Client Operations & Services
Infosys BPM Ltd.
07.2017 - 02.2021
- Designed and operationalized hybrid operating model for US mortgage lender, enabling scalability during 200% volume growth.
- Led RPA and process transformation initiatives, applying LEAN and continuous improvement frameworks to enhance operational effectiveness.
- Managed revenue assurance and capacity planning while overseeing contractual governance (SOW, metrics, SLAs) to ensure compliance and alignment.
- Designed and operationalized hybrid operating model for a US mortgage lender, supporting 200% volume growth.
Manager to Lead, Client Operations
Infosys BPM Ltd.
07.2008 - 07.2017
- Led RPA implementation, delivering 40% productivity improvement for a US banking client.
- Transitioned 200+ FTE from incumbent vendor across multiple locations; stabilized operations and grew engagement by 30% YoY.
- Delivered end-to-end operations for US Banking clients across Mortgage Originations, Payments, Deposits, and Fraud.
- Collaborated with organizational development teams to redesign domain-centric roles and reduce attrition.
- Managed and motivated employees to be productive and engaged in work.
- Managed and motivated employees, enhancing productivity and engagement.
- Cross-trained employees to increase team agility and performance.
- Played a key role in M&A assessment for a European bank subsidiary.
Asst. Manager, Operations
Oracle Financial Services (Equinox Global Services)
01.2004 - 06.2008
- Key Responsibilities & Achievements
- Managed daily staff scheduling, ensuring optimal coverage during peak hours while minimizing labor costs.
- Managed teams and SLAs, driving continuous improvement initiatives.
- Evaluated operational metrics to identify improvement areas and implemented corrective actions.
- Led transitions, operations management, and process improvement across Home and Hazard Insurance processes.
- Evaluated operational metrics regularly to identify areas for improvement and implement corrective actions accordingly.
Education
MBA -
Asia Pacific Institute of Management
New Delhi01-2003
Bachelor of Science - Computer Science
Vidyasagar College of Science, Arts & Commerce
Aurangabad, India01-2001
Skills
- Digital transformation
- Multi-site operations
- Business strategy
- Operating model design
- Retail banking
Accomplishments
- Designed and implemented AI/ML-based OCR solutions for Post-Closing and Loan Onboarding, delivering 50–55% efficiency improvement and strengthening digital value propositions for multiple banking pursuits.
- Architected RPA-led transformation for Deposit Operations using Blue Prism, achieving 40% cost reduction and enhancing competitiveness in renewal cycles.
- Created hyper-automation blueprint for Consumer Lending across India & Philippines, delivering USD 1.6M annual savings and improving key business metrics.
- Led solution design for hybrid mortgage fulfilment operating model, enabling 200% volume growth for a US lender through an optimized onshore–offshore construct.
- Established a new US mortgage entity, securing licenses across 46 states, enabling expansion into fulfilment and servicing operations.
- Played a key role in M&A-driven solutioning for a European mortgage JV, contributing to Infosys BPM achieving 39% market share in the Netherlands mortgage market (AUA).
Certification
Google Cloud Certified – Cloud Digital Leader (2025)
Timeline
Sr. Strategy & Planning Consultant
Wells Fargo
02.2022 - Current
Services Head, Client Operations
Infosys BPM Ltd.
04.2021 - 02.2022
Sr. Lead, Client Operations & Services
Infosys BPM Ltd.
07.2017 - 02.2021
Manager to Lead, Client Operations
Infosys BPM Ltd.
07.2008 - 07.2017
Asst. Manager, Operations
Oracle Financial Services (Equinox Global Services)
01.2004 - 06.2008
MBA -
Asia Pacific Institute of Management
Bachelor of Science - Computer Science
Vidyasagar College of Science, Arts & Commerce