VISHAL SATISH KALGUTKAR
Summary
PMP-certified Digital Transformation and Program Management leader with 19+ years of experience delivering enterprisescale banking, payments, collections, automation, and AI transformation initiatives across Mashreq Bank, Tata Capital, IndusInd Bank, ICICI Bank, Kotak Securities, and GlobeOp. Proven track record of leading large-scale transformation programs, payment ecosystem integrations, workflow automation, and operational modernization initiatives that improve productivity, reduce costs, and enhance customer experience.
Overview
1
1
Certification
12
12
years of professional experience
Work History
Program Manager - Digital Transformation & AI Operations
Mashreq Bank
01.2025 - Current
- Leading strategic digital transformation and AI-led operational modernisation initiatives across multiple business units.
- Implemented AI-assisted account opening and customer onboarding workflows, enhancing customer experience and reducing turnaround times.
- Delivered workflow automation initiatives, minimizing manual effort and mitigating operational risk across the organisation.
- Automated MIS reporting across Credit, Wealth, Cards, Insurance, and QC operations, streamlining data management and eliminating manual processes.
- Led cross-functional teams to implement banking programs and initiatives.
- Coordinated project timelines and deliverables with stakeholders across departments.
- Ensured compliance with AML, KYC and local regulations
- Managed governance, risk, fraud controls, and operational resilience
Delivery Manager - AVP, Digital Innovation & Integration
Tata Capital Ltd
09.2022 - 12.2024
- Led enterprise digital transformation and payment integration programs, enhancing operational efficiency at AVP level.
- Implemented QR and intent-based collection systems, facilitating ₹5 Cr+ in monthly transactions.
- Enabled ₹2 Cr+ in monthly collections through API-based integrations with fintech partners.
- Improved collections productivity by 40% through cloud-calling solutions and intelligent automation.
- Reduced manual interventions by 60% through end-to-end workflow automation and process re-engineering.
- Ensured compliance with AML and local regulations
Project Manager - Chief Manager, Digital Banking
IndusInd Bank
05.2020 - 05.2022
- Increased online customer engagement by 35% through improved digital journeys and UX initiatives.
- Increased digital transaction adoption by 25% through targeted campaigns and enhancements to user experience.
- Led digital banking transformation and integrated payment gateways for retail banking to enhance customer experience.
- Delivered onboarding and go-live processes for BillDesk, Razorpay, Paytm, and PhonePe payment platforms, facilitating seamless transactions.
- Managed governance, risk, fraud controls, compliance, and operational resilience
Project Manager - Digital Collections & Payments
ICICI Bank
10.2015 - 05.2020
- Achieved 98% digital collection rates - an industry-leading benchmark in retail collections.
- Increased digital collections volume by 75% through expansion of strategic payment channels, significantly elevating transaction capabilities.
- Led UPI-enabled collections modernization programs, enhancing digital payment adoption across diverse customer segments.
- Reduced operational processing time by 50% by automating tasks and streamlining processes, improving service delivery efficiency.
Testing & QA Specialist
AuditTime Quality Management Ltd
10.2014 - 09.2015
- Conducted quality assurance, developed test plans, and performed software testing for financial applications to ensure functionality and compliance.
- Conducted thorough quality inspections on products and processes.
- Developed and maintained quality assurance documentation and protocols.
- Collaborated with cross-functional teams to address quality issues promptly.
Education
MBA - IT & Management
ICFAI
Mumbai06-2010
Bachelor of Commerce -
Bedekar College
Thane03-2004
Skills
- Digital Transformation
- Program Management
- AI-driven Solutions
- Intelligent Automation
- Payments
- UPI/QR Collections
- Workflow optimization
- Data analysis
- Problem solving
- API integrations
- Fintech Integrations
- Agile Delivery
- SDLC
- Vendor Management
- Stakeholder Management
- Process Optimization
- Power BI
- SQL
- Jira
Earlier Career
- Kotak Securities Ltd, Assistant Manager- Equity Operations & Trading Support, (2010-2014)
- GlobeOp Financial Services Ltd, Financial Operations Analyst - OTC Settlement, (2007- 2010)
Experience Years
19
Certification
- PMP - Project Management Professional, 12/31/27
- Google AI Essentials
- NSE Certification in Financial Markets
- Data & AI Academy - HCL Tech
- Project Manager's Guide to Using AI -Andrew Ramdayal
Timeline
Program Manager - Digital Transformation & AI Operations
Mashreq Bank
01.2025 - Current
Delivery Manager - AVP, Digital Innovation & Integration
Tata Capital Ltd
09.2022 - 12.2024
Project Manager - Chief Manager, Digital Banking
IndusInd Bank
05.2020 - 05.2022
Project Manager - Digital Collections & Payments
ICICI Bank
10.2015 - 05.2020
Testing & QA Specialist
AuditTime Quality Management Ltd
10.2014 - 09.2015
MBA - IT & Management
ICFAI
Bachelor of Commerce -
Bedekar College