Seasoned banking professional with over 30 years of dedicated service at the State Bank of India, currently serving as EVP and Head of Internal Audit at SBI Card. Expertise includes internal audit, SME and retail banking, digital transformation, and risk management, with a proven track record in executing complex audits, launching innovative digital platforms, and resolving large-scale NPAs. Skilled in strategic planning, operational management, and team leadership, leveraging comprehensive business acumen to drive organizational success and foster growth. Committed to aligning corporate goals with actionable strategies to achieve measurable outcomes while delivering exceptional governance and compliance results.