RANI RAVINDRA JOSHI
Mumbai
Summary
Senior Delivery Leader with 27+ years of experience driving large-scale digital banking, payments, and application delivery programs across global banks and financial institutions. Known for P&L ownership, high-stakes incident leadership, and delivering measurable operational and financial outcomes. Proven record of: Managing $5M–$10M project portfolios and multi-million-dollar managed services contracts Leading cross-functional teams of 40–75 resources across Development, Support, L2/L3, QA Improving SLA compliance from ~85% to 98%+, reducing incidents by 15–30%, and increasing operational efficiency through automation Driving digital transformation programs across Core Banking (Finacle, Flexcube), Payments (UPI, IMPS, BBPS, Cards, E-COM), Fraud Analytics (SAS), and Data Warehousing Specialized in Delivery Management, Program Governance, Incident & Crisis Management, Digital Payments Implementation, ITIL-based Service Delivery, Vendor & Stakeholder Management, and Account Growth.
Overview
29
29
years of professional experience
Work History
Director – Service Delivery
PERFIOS SOFTWARE SOLUTIONS PVT LTD
Mumbai
05.2025 - Current
- Account owner for a large PSU bank, accountable for end-to-end delivery, operations governance, P&L, and SLA outcomes for Digital Lending product.
- Brought into the organization to lead the end-to-end delivery of the Digital Lending transformation for a major PSU bank. Took over a project in severe delivery, governance, and financial distress—stabilized execution, restored customer confidence, rebuilt governance frameworks, and brought the account back to positive revenue flow.
- Beyond project delivery, actively contribute to organizational initiatives including product enhancements, leadership reviews, and resource optimization across accounts.
- Key Achievements: Turned around a red-flagged, financially bleeding account, stabilizing scope, streamlining billing processes, and restoring predictable revenue flow within the first 4 months.
- Fixed project governance by introducing structured cadence, stakeholder alignment mechanisms, and risk/issue management—resulting in significantly reduced escalations and improved client satisfaction.
- Accelerated delivery velocity by reorganizing teams, removing bottlenecks, and enforcing sprint discipline—leading to improved milestone adherence.
- Rebuilt trust with the PSU Bank leadership through transparent reporting, proactive communication, and consistent delivery performance.
- Contributed to organization-wide initiatives, including product improvement discussions, capacity planning, and resource allocation strategy across other client accounts.
Associate Director – Delivery Management
KYNDRYL SOLUTIONS PVT LTD
Mumbai
08.2022 - 01.2025
- Delivery leader and account owner for a large private sector bank and a small finance bank, accountable for end-to-end delivery, operations governance, P&L, and SLA outcomes across multiple digital banking and application portfolios.
- Key Achievements: Managed $5M+ annual managed services portfolio, ensuring contract profitability through proactive resource planning and cost optimization.
- Improved SLA compliance from 92% to 98.5%, reducing monthly escalations by 30% through process improvements and automation.
- Led 24x7 service operations for 35+ critical banking applications, improving MTTR by 20% and stabilizing high-priority S1 incidents.
- Identified 10+ manual processes for automation, increasing operations productivity by 18–22%.
- Strengthened crisis management framework; successfully drove resolution of 50+ major incidents, ensuring minimal customer impact.
- Enhanced client satisfaction and contributed to renewal of multi-year managed services contract.
Global Delivery Lead
FINACUS SOLUTIONS PVT LTD
Mumbai
07.2018 - 07.2022
- Led delivery of digital payments and mobility solutions (UPI, Mobile Banking, Wallets, ATM/POS, BBPS) for cooperative banks and SFBs across India and international markets.
- Key Achievements: Delivered 40+ payment system go-lives, improving transaction success rates and compliance with NPCI standards.
- Reduced development and support effort by 25% through reusable component design and talent-pool optimization.
- Improved customer onboarding TAT by 30% through streamlined delivery and automation.
- Contributed to 15–20% YOY account growth by partnering with presales for solution demos, estimation, and proposals.
- Spearheaded analytics initiatives (Chatbot, WhatsApp Banking, PDF extractor) generating new revenue streams.
Delivery Manager / Customer Program Manager
HP / HPE / DXC TECHNOLOGY
Mumbai
08.2007 - 07.2018
- Managed delivery of large transformation programs and multi-application managed services for leading Indian banks.
- Key Achievements: Directed application development + AMS operations serving 8+ major BFSI clients.
- Managed 45-member delivery team across multiple engagements.
- Achieved 98%+ SLA adherence across multiple years by introducing structured governance and risk controls.
- Reduced production defects by 22% and accelerated release cycles by implementing standardized processes.
- Increased account profitability through optimized resource allocation and improved project planning.
Project Manager
ORACLE FINANCIAL SERVICES SOFTWARE (i-flex)
Mumbai
11.2006 - 08.2007
- Managed Flexcube implementation for Canara Bank; coordinated with IBM (System Integrator).
- Led 15-member onsite team for customization, integration, and defect resolution.
- Ensured delivery milestones, SIT/UAT cycles, and deployment readiness.
Asst. Project Manager / Developer
INFRASOFT TECHNOLOGIES LTD
Mumbai
07.1998 - 10.2006
- Delivered core banking and AML implementations across India and internationally.
- Highlights: Led implementations for Saraswat Bank, AP State Coop Bank, Abhyudaya Bank, Bharat Co-op, Mahesh Bank.
- Executed AML projects for First Gulf Bank (Abu Dhabi), Rabo Bank (Indonesia), Ahli United Bank (Bahrain).
- Part of payments migration project for Coutts NatWest (UK) to Royal Bank of Scotland.
Software Developer
NELITO SYSTEMS LTD
07.1997 - 07.1998
- Developed and customized banking modules for Sakura Bank and Central Bank of India (CBI).
Education
Bachelor of Commerce -
Mumbai University
Skills
- Delivery & Program Management
- P&L / Financial Governance
- Digital Banking & Payments (UPI, BBPS, IMPS, ATM/ECOM)
- Managed Services & Operations
- Core Banking (Finacle, Flexcube, Omni)
- Incident & Problem Management (S1/S2)
- SLA Governance & Continuous Improvement
- Client Engagement & CX Improvement
- Automation & Process Optimization
- Vendor / Partner Management
- Risk, Compliance & Audit Management
- Agile
- Waterfall
- ITIL Delivery Models
Technology And Tools
Flexcube, Finacle, Omni, UPI, IMPS, BBPS, NEFT/RTGS, ATM/POS/ECOM, ISO 8583, .NET, Java, React, SAS Analytics, PeopleSoft, JIRA, Confluence, ServiceNow, HP ALM, MS Project, ITIL, Agile / Scrum, Waterfall
Timeline
Director – Service Delivery
PERFIOS SOFTWARE SOLUTIONS PVT LTD
05.2025 - Current
Associate Director – Delivery Management
KYNDRYL SOLUTIONS PVT LTD
08.2022 - 01.2025
Global Delivery Lead
FINACUS SOLUTIONS PVT LTD
07.2018 - 07.2022
Delivery Manager / Customer Program Manager
HP / HPE / DXC TECHNOLOGY
08.2007 - 07.2018
Project Manager
ORACLE FINANCIAL SERVICES SOFTWARE (i-flex)
11.2006 - 08.2007
Asst. Project Manager / Developer
INFRASOFT TECHNOLOGIES LTD
07.1998 - 10.2006
Software Developer
NELITO SYSTEMS LTD
07.1997 - 07.1998
Bachelor of Commerce -
Mumbai University