Suresh Subramaniam
Thane
Summary
Dynamic executive with a proven track record at RBL Bank, driving digital payment innovations and operational excellence. Expert in automation transformation and strategic operations management, enhancing service offerings and governance. Adept at stakeholder engagement and problem-solving, delivering impactful results in transaction banking and financial processes.
Overview
30
30
years of professional experience
Work History
Principal : AI Strategy & Private Wealth Advisory
AIVISTA ANALYTICS, Co-founder
Mumbai
11.2025 - Current
- Artificial Intelligence & Machine Learning solutions
- Industry specific AI & Analytics
- Conversational AI
- Intelligent Document Automation
- Industry agnostic, Onboarding Quality Control Solution
Executive Vice President | Head – Transaction Banking, Digital Payments, Wealth Ops
RBL BANK
07.2013 - 10.2025
- Led digital payment expansion, integrating fintech solutions to enhance service offerings
- Drove automation and reconciliation transformation, implementing AI to streamline processes
- Built and scaled enterprise-wide payment and transaction operations
- Headed ATM product operations and internal reconciliation units, ensuring operational integrity and efficiency
- Strategic partner to COO on operations, resilience, and cost governance
Vice President – Operations, Transformation & Business Management
DEUTSCHE BANK
01.2006 - 01.2013
- Led large transformation programs across transaction banking
- Facilitated implementation of new operating models in APAC, enhancing regional efficiency
- Delivered sourcing efficiencies and governance uplift, optimizing financial processes
- Led receivables and payments operations for India, driving operational excellence
- Business Manager to COO – India
Head – Operations (India & MEMSA)
TATA-AIG GENERAL INSURANCE
01.2001 - 01.2006
- Led regional operations across Middle East and South Asia
- Developed outsourcing and STP frameworks ahead of industry standards
- Established centralized and branch operations from inception
Retail Asset Operations Leadership
ICICI BANK & STANDARD CHARTERED BANK
01.1996 - 01.2001
- Centralized loan operations for improved consistency and scalability
- Managed disbursements, accounting, and vendor ecosystems to streamline operations
- Led migrations and developed ISO-aligned process frameworks to enhance compliance
Education
Executive Certifications - Strategic Thinking & Entrepreneurial Mindset, Customer Centricity
Institute of Management, Singapore
Mumbai Chapter09-2019
Masters DBA - Finance
Symbiosis Institute of Management Studies
Pune, Distance Learning04-2004
B. Com -
Mumbai University
Mumbai03-1989
Skills
- Payment solutions
- Automation
- Operations management
- Automation transformation
- Business process optimization
- Process optimization
- Operations oversight
- Strategic operations management
- Budget forecasting
- Financial controls implementation
- Data-driven decision making
- Change management
- Negotiation skills
- Stakeholder engagement
- Team leadership
- Employee retention
- Data-driven decisions
- Critical thinking
- Ethics and integrity
- Customer care
Education And Professional Development
- Masters DBA (Finance), Symbiosis Institute of Management Studies
- B. Com, Mumbai University
- Executive Certifications, Institute of Management, Singapore, Strategic Thinking & Entrepreneurial Mindset, Customer Centricity
Technology Orientation
- Core Banking (Finacle), Payments Architecture
- Workflow, RPA, AI/ML for Operations
- SaaS, CRM, reconciliation engines, MIS & analytics
- Strong translator between business, operations, and technology teams
Functional Expertise
End-to-end ownership of Cash Management, Payments & Settlements, Deep exposure to UPI, IMPS, RTGS, NEFT, AEPS, RuPay, Visa, Mastercard, Domestic and cross-border remittances, escrow & nodal account operations, Client delivery for NBFCs, fintech, insurers, AMCs, and corporates, Representation with RBI, NPCI, SEBI, and industry forums, ATM & Debit Card operations leadership, Channel settlement, dispute handling, and reconciliation, Product ownership for ATM networks and card operations, Operational readiness for new payment products and networks, Operations for Mutual Funds, Insurance distribution, Investment products, Bespoke operating models for wealth and investment platforms, Governance, controls, and regulatory alignment for investment operations, Large-scale process re-engineering and operating model redesign, RPA-led automation across payments, reconciliations, trade finance, and servicing, Introduction of AI/ML-driven reconciliation and exception handling, Workflow digitization, STP enablement, and capacity optimization, Department-wide budgeting, cost governance, and productivity measurement, Financial planning & analysis for operations, Vendor commercial negotiations and cost rationalization, Business case evaluation for technology and transformation initiatives, Strong command of RTB / CTB governance frameworks, AML oversight, audit management, and internal control design, Business continuity planning & operational resilience (regulatory aligned), Outsourcing governance and vendor risk management, Managed teams of 240+ direct and indirect resources, Built leadership layers, performance frameworks, and succession plans, High-volume, high-risk operations with zero-tolerance for control failures
Professional Highlights
- RBL Bank, Executive Vice President | Head – Transaction Banking, Digital Payments, Wealth Ops, 07/01/13, 10/01/25, Built and scaled enterprise-wide payment and transaction operations, Led digital payment expansion and fintech integrations, Drove automation, reconciliation transformation, and AI adoption, Headed ATM product operations and internal reconciliation units, Strategic partner to COO on operations, resilience, and cost governance
- Deutsche Bank, Vice President – Operations, Transformation & Business Management, 01/01/06, 12/31/13, Headed receivables & payments operations for India, APAC coordinator for new operating models, Business Manager to COO – India, Delivered cost saves, sourcing efficiencies, and governance uplift, Led large transformation programs across transaction banking
- Tata-AIG General Insurance, Head – Operations (India & MEMSA), 01/01/01, 12/31/06, Set up centralized and branch operations from ground zero, Implemented outsourcing and STP frameworks ahead of industry curve, Regional leadership exposure across Middle East and South Asia
- ICICI Bank & Standard Chartered Bank, Retail Asset Operations Leadership, 01/01/96, 12/31/01, Built centralized loan operations at scale, Managed disbursements, accounting, vendor ecosystems, Led large migrations and ISO-aligned process frameworks
Accomplishments
Excellence in BFSI Leadership - June 2025
Timeline
Principal : AI Strategy & Private Wealth Advisory
AIVISTA ANALYTICS, Co-founder
11.2025 - Current
Executive Vice President | Head – Transaction Banking, Digital Payments, Wealth Ops
RBL BANK
07.2013 - 10.2025
Vice President – Operations, Transformation & Business Management
DEUTSCHE BANK
01.2006 - 01.2013
Head – Operations (India & MEMSA)
TATA-AIG GENERAL INSURANCE
01.2001 - 01.2006
Retail Asset Operations Leadership
ICICI BANK & STANDARD CHARTERED BANK
01.1996 - 01.2001
Executive Certifications - Strategic Thinking & Entrepreneurial Mindset, Customer Centricity
Institute of Management, Singapore
Masters DBA - Finance
Symbiosis Institute of Management Studies
B. Com -
Mumbai University